银行也怂了……
最近网贷行情一般,有种屋漏偏逢连夜雨的感觉,这不几家存管银行也跑出来作妖了。
1.
上饶银行、江西银行等纷纷出来表示,合作到期将跟一些平台终止合作。
估计是都怂了。
大家跟小编来看看,最早这两家银行分别跟多少家平台合作上线了存管业务?
上饶银行全盛时期跟86家网贷平台有过合作,现在合作的还剩78家,不排除未来还会根据情况有进一步增减的动作。
而江西银行,作为接入最多平台的存管银行,从统计数据来看估计有81家,虽然已经进了白名单,不过平台踩过的雷也不少,为了不再影响银行声誉,也决定收缩业务。
从目前情况来看,有存管业务的银行都将会慢慢收缩业务,银行也会根据自家风控对于平台进行综合评估,简单来说,银行虽然是想多赚钱,但人家更在乎自家的声誉。
说说这个问题,银行存管,银行存而不管是从银行存管开始之初就已经这样了;
“存管雷”了解一下,说到银行踩雷,最多的应该就是华兴银行了,贵州银行也不甘人后,因为暴雷太多了,去年3月宣布彻底退出银行存管业务,当时跟它家合作的28家平台都得另谋出路。
现在通过银行存管白名单的只有43家平台,像在华兴银行存管的这类平台基本属于“裸奔”状态。
所以未来摆在很多平台面前的状况并不轻松,可能需要换掉现在的存管银行,跟其他已经通过白名单的银行进行合作。
已经有很多平台在进行存管银行的更换工作,其中的重要原因应该就是该银行未通过白名单审查,无法继续承接存管业务。
2.
对平台、银行、出借人来讲,换存管究竟会面临哪些问题?
首先,两个主体,银行、平台,银行以前为了抢占市场,可以说啥平台都接了,没有做任何的风控把握,结果平台雷了,银行踩雷,声誉受到影响,想存而不管都不行了,除了得严格把控现在合作的平台,到期该结束的就及时结束;
平台来讲,如果平台本身有问题,那也没啥好说的,但是合作的存管银行没进白名单,那是挺费劲的,需要抓紧时间换存管;
但咱们要知道跟银行合作也并不便宜,平台愿意花那么多钱重新跟一家平台进行合作,更重要的是时间成本,那代表着这些平台也都是积极再合规整改的。
其次,对于出借人来讲,无论在车上的平台有任何风吹草动,肯定都是要担心的,换存管银行更是不得了的大事,担心更是正常;
但换句话说,平台愿意花银子换存管银行,表示平台对自身是相当有信心的,愿意花时间、金钱成本,出借人不需要太担心。
银行收缩存管业务,对于网贷平台来说是个风险出清的过程,很多过不了这一关的平台等待他们也就只剩下退出、清盘这条路了。
所以,大家选择平台的时候,确认银行存管的真伪也是很有必要的,可以在“中国互金协会”网站登录-登记披露-资金存管查看是否是对应银行的资金存管。
银行也在出清风险,挽救声誉,我们出借人更要注意了,如果真有平台被银行拒绝的,那要小心了。
最后附上江西银行、上饶银行存管的平台名单:
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