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建议由人民银行和银监会牵头负责互联网票据监管,研究出台有关互联网票据业务指导性文件,制定互联网票据理财管理办法,防范其游离于法律法规之外。近年来,互联网金融蓬勃发展,并不断向票据领域渗透。部分民间票据中介与电商跨界合作推出互联网票据理财产品,其本质是融资企业将其所持有的银行承兑汇票作为质押担保,借助互联网平台向投资者募资,票据到期兑付后,融资企业通过平台返还投资者本金和收益。
Proposed by the People’s Bank of China and the China Banking Regulatory Commission to take the lead in charge of Internet bill regulation, research and promulgation of the guidance document on the Internet bill business, the development of Internet bill financing management approach to prevent its free from laws and regulations. In recent years, Internet finance has flourished and has continuously penetrated into the field of notes. Part of the private paper brokers and e-commerce cross-border cooperation in the introduction of Internet bill financing products, its essence is the financing of the bank held by the bank acceptance of pledges as a guarantee, with the Internet platform to raise funds to investors, bills maturity payment, the financing The enterprise returns the investors’ principal and proceeds through the platform.