已连续发行十期、募资超过1亿的人人贷【全称“人人贷商务顾问（北京）有限公司”】理财计划，却仍未得到其入驻机构温州民间借贷登记服务中心（下称“借贷中心”）和“金改牵头方之一”温州市金融办的认可。

Ten period has been issued/Raised more than 100 million of all loans[The full name"All loans business consultant(Beijing)Co., LTD."]Financial planning,But still haven't received them in wenzhou private lending registration service center(Hereinafter referred to as"Borrowing center")and"One of the reform led by party"Wenzhou financial approval.

　　“去年人人贷等中介机构入驻借贷中心时，就规定这些机构的新业务方案都要向金融办和中心汇报，类似理财计划这样的新产品要经过金融办风险评估等审批后才能发行。”3月5日，借贷中心负责人徐智潜接受本报采访时说。

"Center all loans such as intermediaries in lending last year,As these institutions as prescribed in the new business plan will be reporting to the finance office and the centre,Like financial planning of new products go through approval before they can issue such as financial do a risk assessment."On March 5,,Borrowing center director Xu Zhiqian told the newspaper.

　　现阶段人人贷的理财计划方案尚在温州金融办的研究过程中，“在此期间，我们不允许温州出资方去认购其理财计划。”徐续称。

At this stage all subprime financial planning scheme is still in the process of wenzhou financial services office of research,"During this period,We don't allow stakeholders to subscribe in wenzhou financial plan."Xu Xu said.

　　人人贷的回应是，到目前为止未接收到任何官方文件禁止理财计划的发行，“只是不允许我们在温州地区宣传，但理论上温州地区的投资人仍可通过网络认购。”5日，人人贷发言人对本报称。

Everyone's response is,So far not received any official document prohibit the issue of financial planning,"Just don't allow us to propaganda in wenzhou region,But investors are still in wenzhou region can be subscribed to through the network."5,,Everyone lend spokesman told the newspaper said.

　　同一日，人人贷发行第十期理财计划，募集资金600万，认购用时1分钟。

The same day,All its 10th issue credit financial plan,Raising money 6 million,Subscribe it for 1 minute.

　　去年底宜信公司退出借贷中心后，入驻接待中心的有8家中介机构，即速贷邦、金算子、福元运通、欢邦、攀远、翼龙贷、人人贷、浙贷通。除翼龙贷和人人贷（普信）之外，其余6家均做线下一对一借贷撮合业务。

After appropriate letter company quit lending center late last year,Eight of the intermediaries in reception center,Prompt credit bond/Gold operator/FuYuan express/Huan state/Climb far/Pterosaurs to borrow/Everyone is borrowed/Zhejiang credit through.Besides the pterosaurs loans and loans(At t)outside,The remaining six do offline matched one-to-one lending business.

试水监管效果“疲软” Try water regulation effect"The weak"

　　P2P网贷的具体监管措施在国内尚无定论，多家P2P机构入驻借贷中心也多是抱有“金改”创新政策下“好乘凉”的态度。借贷中心与当地金融办起到把控一定市场风险的角色，业界也希望对此类机构的数据监控和分析，能为未来监管政策提供试点经验和有效建议。

P2P network specific regulatory measures in the domestic loans is uncertain,Many P2P organizations center in lending also are more"Gold to change"Under the innovation policy"Are good for nothing but shade"The attitude of the.Lending center and local finance running to the control must have the role of the market risk,Industry also wants data monitoring and analysis of such institutions,For pilot experience and future regulatory policy to provide effective Suggestions.

　　但执行起来并不容易。

But is not easy to perform.

　　“我们在借贷中心每天的交易记录，借贷双方的身份信息等材料都要向中心备案。”翼龙贷CEO王思聪对本报说。

"Our daily transaction records in the center of the borrowing,Material such as lending both sides of the identity information to center for record."Pterosaurs credit CEO Wang Sicong told this newspaper.

　　但温州地区以外的业务，借贷中心和金融办就无法监测到。“我们只管温州，区域外的业务只能观察。”徐坦言称，如果整体可行，也可适用于温州；未经其认可的，就不会把中心的客户资源交给机构。

But wenzhou region outside of the business,Borrowing center and financial office cannot be detected."We just in wenzhou,Areas outside the business can only be observed.""Said xu,If the overall feasible,Also can be applied to wenzhou;Without its consent,Won't give customer resources in the center of the body.

　　人人贷的理财计划，向全国发行。中心要求的交易备案，也只能是涉及温州的项目。“我们需要向中心备案的项目有两种。一是在中心现场产生的交易，二是线上借贷双方任一方涉及到在温州注册的公司和身份证签发地在温州的个人。”上述人人贷人士解释道。

Everyone borrow money management plan,To the issue.Requirements at the centre of the trade for the record,Also can only be involved in projects in wenzhou."We need to project has two center for record.A deal is in the center of the scene,2 online lending either party involved is a company registered in wenzhou and personal id issue at in wenzhou."The above all loans are explained.

　　而关键在于，人人贷方面称，报送的交易信息中并没有把涉及理财计划的项目单项列出，而是统一列在交易名录里。这意味着，中心即便规定人人贷的理财计划不能在温州地区实施，但却缺乏完备的监测手段和强硬的处罚措施。

The key lies in,Everyone says,Submit the transaction information and there is no single list involving financial planning project,But unified column in the list of transactions.This means that,Center even rules all subprime financial plan cannot be implemented in wenzhou region,But the lack of a complete monitoring means and tough penalties.

　　不过，借贷中心本身并非政府部门，是由温州工商联（一套人马、两块牌子）22个主要成员（14个法人、8个自然人）出资600万设立。

but,Borrowing center itself is not the government,Is by the federation of industry and commerce in wenzhou(A set of people/Two pieces of brand)22 key members(14 as a legal person/Eight natural person)6 million to set up.

　　而理财计划的大致模式是，投资人打给人人贷一笔款，由人人贷将款项分别投给数个借款项目。尽管徐强调涉及理财的项目需要标注，但不标注也无法得知。

And financial planning model is roughly,Investors to call everyone to borrow a sum of money,Respectively by everyone will loan money to a number of lending.Although xu stressed that involves the financial management of the project need to labeling,But not marked also don't know.

　　“我们现在还没有把这个理财计划的模式、潜在风险等问题研究清楚，不建议在温州地区推广这个产品。”徐智潜说，金融办审批主要看是否风险可控，包括理财产品的规模、资金核对、投向是否合理等。

"So far we have not put the financial planning model/Potential risk issues such as the clear,Promote the products in wenzhou region is not recommended."Xu Zhiqian said,Financial services office for examination and approval of the main see whether to risk control,Including the size of the products/Capital verification/To whether reasonable, etc.

　　据王思聪介绍，年前借贷中心的例会上曾讨论过此理财计划，本有意发行类似理财产品的翼龙贷被借贷中心明确告知不允许。“我们总部注册点就在温州，中心的指导意见很重要，后来只好打消了这个念头。”

According to Wang Sicong,Years ago borrowing center meeting discussed the financial plan,Intended to issue similar products pterosaurs credits by borrowing center told not allowed."Registered at our headquarters in wenzhou,Center of guidance is very important,Dismissed the idea."

“空壳”公司 "shell"The company

　　事实上，人人贷并非直接入驻借贷中心。为符合当地政策，人人贷另在温州市注册了一家名为“温州普信商务顾问有限公司”（下称普信）的公司，并以“普信”的身份入驻借贷中心。

In fact,,Everyone is borrowed is not directly into lending center.To comply with local policies,Everyone is another registered in wenzhou, a loan"Wenzhou's letter business consulting co., LTD"(Hereinafter referred to as at t)The company,And in order to"At t"The identity of the center in lending.

　　借贷中心方面称，涉及到温州的相关交易项目，人人贷都应该以普信的名义完成。但上述人人贷人士透露，在当地的业务仍是由人人贷完成，涉及的交易量和财务信息也都计入人人贷。

Lending center said,Project involves the wenzhou related transactions,All loans should be done in the name of Rowe.But the people said,In a local business is still done by people to borrow,Involved in trading and financial information are also included in the credit.

　　按此说法，人人贷母公司运作的交易数据、信息是否应当向借贷中心和金融办报送，仍有解释空间。即便以普信名义做项目，借贷中心也无法得知人人贷母公司是否在温州地区开展其他业务。

Click here to claim,All credit transaction data of its parent company's operation/Whether information center shall be submitted to the lending and financial newspaper,There are still explain space.Even in the name of the Rowe project to do,Borrowing center also don't know whether everyone parent loan to develop other business in wenzhou area.

　　温州工商局企业信息显示，温州普信商务顾问有限公司，于2012年4月23日成立，经营范围包括金融配套业务提供咨询代办服务，民间借贷撮合业务服务，投资咨询、经济信息咨询（以上均不含证券、期货咨询），计算机网络技术研发、服务等。

Industrial and commercial bureau of wenzhou enterprise information display,Wenzhou's letter business consulting co., LTD,Founded on April 23, 2012,Scope of business includes financial supporting business consulting agent services,Private lending set business services,Investment advisory/Economic information consultation(Above are not including securities/Futures consulting),Computer network technology research and development/Services, etc..