Array
(
[fid] => 6874
[description] => 谈天说地，讲古论今。悠闲部落是您休闲娱乐的静谧港湾。
[password] =>
[icon] => 5d/common_6874_icon.png
[redirect] =>
[attachextensions] =>
[creditspolicy] => Array
(
[digest] => Array
(
[usecustom] => 1
[cycletype] => 0
[cycletime] => 0
[rewardnum] => 1
[extcredits1] => 0
[extcredits2] => 0
[extcredits3] => 0
[extcredits4] => 0
[extcredits5] => 0
[extcredits6] => 0
[extcredits7] => 0
[extcredits8] => 0
[rid] => 3
[fid] => 6874
[rulename] => 加精华
[action] => digest
[fids] => 6966,6903,6944,6958,6894,6896,6885,6857,6868,555,6783,6799,6845,6895,6817,1111,6873,6870,6821,6951,6879,6876,6948,6904,6950,6956,6862,6886,6957,6779,6907,6855,6945,6952,6954,6955,6959,6914,6965,6971,6972,6960,6953,6942,6910,6949,6962,6963,6964,6927,6926,6973,6728,6929,6874
)
[post] => Array
(
[usecustom] => 1
[cycletype] => 0
[cycletime] => 0
[rewardnum] => 1
[extcredits1] => 0
[extcredits2] => 0
[extcredits3] => 0
[extcredits4] => 0
[extcredits5] => 0
[extcredits6] => 0
[extcredits7] => 0
[extcredits8] => 0
[rid] => 1
[fid] => 6874
[rulename] => 发表主题
[action] => post
[fids] => 32,52,67,447,1120,1151,1156,6750,6762,6763,6766,6769,6772,6773,6787,6796,6808,6809,6810,6813,6814,6820,6829,6830,6846,6856,6864,6865,6827,6930,6931,6776,6858,6880,6764,6932,6871,6758,6905,1116,6788,6812,6798,6736,6759,6842,6966,6767,6828,6924,6935,6936,6938,6940,6941,6826,6909,6803,6919,6911,6908,6881,6920,6912,6913,6921,6925,6922,6789,6818,6819,6872,6928,6866,6969,6891,6889,6888,6917,6939,6947,6961,6824,6815,6937,6943,6970,6869,1121,6934,6903,6974,6944,6958,6894,6765,6896,6885,6857,6868,1113,6778,56,6844,6878,6802,6933,6811,6923,6877,6875,6918,6892,6757,6832,6833,6836,6790,6838,6794,6791,6795,6793,6848,6837,6849,6850,6851,6852,6853,6854,6863,6882,6900,6902,555,6783,6799,6845,6895,6817,1111,6873,6870,6821,6951,6879,6876,6948,6904,6950,6956,6862,6886,6957,6779,6907,6855,6945,6952,6954,6955,6959,6914,6965,6971,6972,6960,6953,6942,6910,6949,6962,6963,6964,6927,6926,6973,6728,6929,6874
)
[postattach] => Array
(
[usecustom] => 1
[cycletype] => 0
[cycletime] => 0
[rewardnum] => 1
[extcredits1] => 0
[extcredits2] => 0
[extcredits3] => 0
[extcredits4] => 0
[extcredits5] => 0
[extcredits6] => 0
[extcredits7] => 0
[extcredits8] => 0
[rid] => 4
[fid] => 6874
[rulename] => 上传附件
[action] => postattach
[fids] => 6966,6874
)
[reply] => Array
(
[usecustom] => 1
[cycletype] => 0
[cycletime] => 0
[rewardnum] => 1
[extcredits1] => 0
[extcredits2] => 0
[extcredits3] => 0
[extcredits4] => 0
[extcredits5] => 0
[extcredits6] => 0
[extcredits7] => 0
[extcredits8] => 0
[rid] => 2
[fid] => 6874
[rulename] => 发表回复
[action] => reply
[fids] => 32,52,67,447,1120,1151,1156,6750,6763,6766,6769,6772,6773,6787,6796,6808,6809,6810,6813,6814,6820,6829,6830,6846,6856,6864,6865,6827,6930,6931,6776,6858,6880,6764,6932,6871,6758,1116,6788,6812,6798,6736,6759,6842,6966,6767,6828,6924,6935,6936,6938,6940,6941,6826,6909,6803,6919,6911,6908,6881,6920,6912,6913,6921,6925,6922,6789,6818,6819,6872,6928,6866,6969,6891,6889,6888,6917,6939,6947,6961,6824,6815,6937,6943,6970,6869,1121,6934,6903,6974,6944,6958,6894,6765,6896,6885,6857,6868,1113,6778,56,6844,6878,6802,6933,6811,6923,6877,6875,6918,6892,6757,6832,6833,6836,6790,6838,6794,6791,6795,6793,6848,6837,6849,6850,6851,6852,6853,6854,6863,6900,6902,555,6783,6799,6845,6895,6817,1111,6873,6870,6821,6951,6879,6876,6948,6904,6950,6956,6862,6886,6957,6779,6907,6855,6945,6952,6954,6955,6959,6914,6965,6971,6972,6960,6953,6942,6910,6949,6962,6963,6964,6927,6926,6973,6728,6929,6874
)
)
[formulaperm] => a:5:{i:0;s:0:"";i:1;s:0:"";s:7:"message";s:0:"";s:5:"medal";N;s:5:"users";s:0:"";}
[moderators] => 实习版主2 实习版主1 实习版主3 实习版主6 实习版主4 实习版主5
[rules] =>
[threadtypes] => Array
(
)
[threadsorts] => Array
(
)
[viewperm] => 9 26 22 11 12 13 14 15 27 43 44 60 61 62 63 64 19 31 67 68 69 73 75 76 81 83 84 87 89 90 91 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 7 8 92
[postperm] => 22 11 12 13 14 15 27 43 44 60 61 62 63 64 67 68 73 75 76 83 84 87 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 92
[replyperm] => 26 22 11 12 13 14 15 27 43 44 60 61 62 63 64 67 68 73 75 76 83 84 87 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 92
[getattachperm] => 26 22 11 12 13 14 15 27 43 44 60 61 62 63 64 67 68 73 75 76 83 84 87 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 92
[postattachperm] => 26 22 11 12 13 14 15 27 43 44 60 61 62 63 64 67 68 73 75 76 83 84 87 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 92
[postimageperm] => 26 22 11 12 13 14 15 27 43 44 60 61 62 63 64 67 68 69 73 75 76 83 84 87 33 38 57 58 65 66 74 77 79 80 85 86 1 2 3 92
[spviewperm] =>
[seotitle] =>
[keywords] =>
[seodescription] => 谈天说地，讲古论今。悠闲部落是您休闲娱乐的静谧港湾。
[supe_pushsetting] =>
[modrecommend] => Array
(
[open] => 0
[num] => 10
[imagenum] => 0
[imagewidth] => 300
[imageheight] => 250
[maxlength] => 0
[cachelife] => 0
[dateline] => 0
)
[threadplugin] => Array
(
)
[replybg] =>
[extra] => a:2:{s:9:"namecolor";s:0:"";s:9:"iconwidth";s:2:"60";}
[jointype] => 0
[gviewperm] => 0
[membernum] => 0
[dateline] => 0
[lastupdate] => 0
[activity] => 0
[founderuid] => 0
[foundername] =>
[banner] =>
[groupnum] => 0
[commentitem] =>
[relatedgroup] =>
[picstyle] => 0
[widthauto] => 0
[noantitheft] => 0
[noforumhidewater] => 0
[noforumrecommend] => 0
[livetid] => 0
[price] => 0
[fup] => 6831
[type] => forum
[name] => 悠闲部落
[status] => 1
[displayorder] => 7
[styleid] => 0
[threads] => 9022
[posts] => 121766
[todayposts] => 0
[yesterdayposts] => 0
[rank] => 134
[oldrank] => 134
[lastpost] => 2808928 想问问提款问题？ 1774367397 波哥买卖
[domain] =>
[allowsmilies] => 1
[allowhtml] => 1
[allowbbcode] => 1
[allowimgcode] => 1
[allowmediacode] => 0
[allowanonymous] => 1
[allowpostspecial] => 5
[allowspecialonly] => 0
[allowappend] => 0
[alloweditrules] => 1
[allowfeed] => 0
[allowside] => 0
[recyclebin] => 1
[modnewposts] => 2
[jammer] => 1
[disablewatermark] => 0
[inheritedmod] => 0
[autoclose] => 0
[forumcolumns] => 0
[catforumcolumns] => 0
[threadcaches] => 0
[alloweditpost] => 1
[simple] => 8
[modworks] => 1
[allowglobalstick] => 1
[level] => 0
[commoncredits] => 0
[archive] => 0
[recommend] => 0
[favtimes] => 0
[sharetimes] => 0
[disablethumb] => 0
[disablecollect] => 0
[ismoderator] => 0
[threadtableid] => 0
[allowreply] =>
[allowpost] =>
[allowpostattach] =>
)
|
互联网金融诞生《指导意见》“新生儿”全解析
[复制链接]
|
当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 131 小时
本月在线: 0 分钟
|
|
互联网金融界的重要消息！如同英国诞生小公主一般，中央也终于诞生了一个对于P2P互联网金融有着非凡意义的小生命，他就是《互金指导意见》，诞生时间：7月18日11时2分，大名《关于促进互联网金融健康发展的指导意见》，个性特征：从一出生就拥有着对P2P互联网金融的管辖规范权力。 对新生儿满怀关注同时，草根们只能感叹，从央视出生，人家不是来自贵族，人家来自绝对权威。。
% g7 k( u" u4 b9 W+ d5 g. a镜头一：窥一窥"新生儿"的来源9 }/ V; O! O/ q) [; {
; |4 M3 S. w) R3 B( C' K/ y
孕育期 竟度过了16年之久。。
: B! w% d- f; \- N4 i0 p（1999年始,我国就有服务于交易的支付网关模式,标志着天朝互联网金融正式开始兴起。。）
' x& M6 Z$ S( Y2 R【诞生苗头】. I Z7 `( ?$ Q* X# S
互联网金融 最近几年势头发展迅猛，P2P、众筹等网络金融新模式继续“疯长”，传统的金融机构及其他产业公司加速转型、跨界触网。速度的加快带来环境的动荡，行业风险事件屡禁不止，新型违法行为不断涌现，希望完善互联网金融完善监管体系的呼声日益强烈。。
7 m' H. q' U7 X“互联网金融监管法规为何迟迟未有，监管难，未来路在何方? ”
; Q1 e7 Q, j4 [. e7 p9 D) c【生产前 倒数14天】
! V9 l$ }) Q9 C, ]# U7月4日，《国务院关于积极推进“互联网+”行动的指导意见》正式公开发布，支持金融机构和互联网企业依法合规开展网络借贷、网络证券、网络保险、互联网基金销售等四大业务，指出“互联网+普惠金融”的三个重点方向，希望让更多层面的群体了解“普惠金融”、融入“普惠金融。
- b9 W( t4 k8 \; Y- W( G镜头二：“新生儿”终诞生 带来受益者改变$ l* K% l$ W' l3 \6 c- O
$ ~0 j- \* H l& b$ G* j( c
投资者减少投资风险忧虑
# _2 h( y) @* v8 y7月18日11时2分，《互金指导意见》终于诞生，在千呼万唤的期待下，毋庸置疑地为投资者们增添了温暖，出自中央，庄严的管辖权帮助着投资者们在更稳定和谐的市场中合理规划生活，当然，虽然还不够成熟，但是对于市场的规范与风控也足够有力度。
& f+ G/ D" X) B" ]0 u: c给P2P证明身份
4 I5 P1 M5 n- |/ z6 H《指导意见》把备受关注的P2P明确定性为信息中介，不为信用中介，不能提供增信服务，要求将银行业金融机构作为资金存管机构，同时支持拓宽从业机构融资渠道，改善融资环境。
, V7 G# K% V |+ p至此，互联网金融终于被认可，P2P的身份定性为属于民间借贷的信用中介，主要为借贷双方的直接借贷提供信息服务，不得提供增信服务，不得非法集资。其中也包含了互联网金融机构未来在主板、创业板或新三板上市成为可能？
$ h k: _4 I" D2 f镜头三：是喜还是虑？P2P环境有哪些变化？ m9 |1 ~9 E8 a
随着《互联网金融指导意见》的出炉，业内对于P2P细则的推he-pai.cn/article-755-1.html出预期也在加大。P2P的草案已经基本完成，已处于检验细则是否有效的阶段，将选择合适的时机推出。这样，“新生儿”《指导意见》 诞生不久，在年内就可以穿上“网贷监管细则”的新衣。:）
4 l- E& H7 m; j6 b+ k& \7 }4 d- S7 c) R# @3 v8 J# D
风控、创新成新宠 洗牌已成定局。。. u+ V t5 u& y
即便网贷监管细则暂未穿上，但在指导意见的纲领性框架下，随着P2P行业管理的逐渐规范，市场将越来越繁荣，逐渐出现优胜劣汰或者大鱼吃小鱼的残酷竞争将成为必然趋势。在新一轮的竞争中，那些规模较小和资金链较弱的P2P平台，无疑面临着被洗牌的风险。由于天朝绝大部分的P2P平台都是小微企业。因此，有人甚至认为，90%以上的平台将被并购或挤出市场。
& H2 g7 N. |( |$ ?% R这一刻的互联网金融领域，“新生儿”《指导意见》的诞生，对于传统持牌金融机构进军P2P行业，大体还是利好的。随着“新衣”监管的落定，会有更多的投资人进入到这个行业。日后的P2P也很将迎来更多大资本的进入。" u* y4 i: M% p- B
转自新浪博客：blog.sina.com.cn/s/blog_14c23067c0102vueh.html |
|
|
|
|
|
|
|
|
|
