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プラグイン > バグ報告・利用に関する質問 > High-margin, investment fraud...P2P Legislation of Two-Physical Areas

バグ報告・利用に関する質問

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wooootak02
投稿日時: 2018/11/19 18:58
対応状況: −−−
半人前
登録日: 2018/11/19
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投稿: 19
High-margin, investment fraud...P2P Legislation of Two-Physical Areas
"Some companies have announced that they will develop real estate with a picture of a desolate land, but hundreds of millions of won are collected in five to ten minutes. Investors don't know exactly who the owners are, but based on their experience of being repaid by the P2P company, they believe they've taken care of it again. We have a problem with bad loans."

Regarding the "P2P loan handling result" that was held at the briefing room of the Financial Supervisory Service on Monday morning, the people in charge of asking whether or not they were responsible for the investment and stressed their ability to repay shares. The focus was on asking investors to be extra careful about the damages on the loan, which has not been eradicated since May, rather than taking measures against the insolvent P2P companies or making future plans.

The reason why regulators are so passive about P2P loans is that they have long failed to meet regulations. Although some P2P companies are cheating investors to cause financial damage, as legislation has been pending in the National Assembly, there is no arms to carefully stop operations and withdraw investment from companies such as fines.

Authorities in question and answer also complained of frustration due to lack of authority. Although the authority to inspect loan sharks linked to the P2P was granted only in March, they are also far from the actual subjects of the P2P loan business and will not be mentioned in the investigation process. In the end, it is not free from criticism that many investors who can prevent damage in the process are being neglected.

"The FSS is trying to proactively respond to the problem of bad loans in China," Lee said. Fraud and embezzlement will be illegal in itself, but there is no proper regulation on the investors` incentive, he explained.

For example, even if a 토토사이트추천P2P company attracts investors with a high interest rate of 6 to 10 percent to attract investors, it is difficult to impose sanctions on itself. However, the authorities are not in a more comfortable position to watch as some companies are known to have been involved in actual fraud, such as collecting billions of won in investments and running away.

○ Disappointment of legislationInvestors Protection Devices

The problem is that the number of victims who were neglected in the process is increasing. So far, the number of victims related to P2P loans is estimated to be around 100,000, and the amount of investment is estimated to be more than 100 billion won. As the FSS stressed the need to conduct additional inspections on 10 other companies besides the 20 companies announced on the day, the amount of damage caused by P2P loans could be expanded further.

However, there is still no legal mechanism to protect them. The Financial Services Commission plans to announce guidelines for P2P, which include strengthening consumer protection, next month, but it is also an administrative map, not mandatory, and thus effectively counteract the poor behavior of P2P companies.

Meanwhile, while legal vacuum continues, some P2P companies are becoming bolder and bold. The disclosure section posted on the website for anyone to see beyond the release of false products has also been found. It is questionable whether it will be possible for investors to thoroughly check and make investments.

"Since we are not sure whether we can trust anything more than 100 percent on the disclosure, we will try to check transparency even if it takes time to do so," said Lee Keun-woo, director of FinTech Support Division.
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