这些P2P平台想备案，到底要准备多少钱？（附名单）
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/AGFUdAyHbomKD8e5rFQ9ZoOsHVsXUxuLLRYXjXTq7MmDiaClMm06rwVndorXDJBgluqtcrHQuDyNoCXGl0WsNbA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">昨天<span style="color: black;">咱们</span>聊完了P2P平台的实缴增资，<span style="color: black;">文案</span>发出来以后，<span style="color: black;">大众</span>的观点不一，并针对P2P的备案<span style="color: black;">花费</span>提出了疑问：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1.<span style="color: black;">倘若</span>平台要备案大概要花多少钱？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2.<span style="color: black;">根据</span>网贷监管备案细则<span style="color: black;">方法</span>，是不是存在自担保的嫌疑，会不会触及法律的红线？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">社长觉得这两点疑问还是比较<span style="color: black;">明显</span>的，今天<span style="color: black;">亦</span>来和<span style="color: black;">大众</span>算一笔账好好深入聊一下。</span></p><img src="https://mmbiz.qpic.cn/mmbiz_png/AGFUdAyHbol9ZfribJkmNiabzrCRTX5yeJJuzOxuA3EbuicicMickBYosqW6ZSNmoqibx7jR6DlWKRvwEDqfPdR5HSMA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;">1<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">P2P平台要备案，得准备多少钱？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">算账这个事情，社长其实并不<span style="color: black;">善于</span>，<span style="color: black;">倘若</span>有错误遗漏的<span style="color: black;">地区</span>欢迎指正~</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">根据</span>网贷备案细则<span style="color: black;">方法</span>里，关于钱的问题一共提出了三个点。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1.实缴注册资金</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这个“门槛”昨天咱们<span style="color: black;">亦</span>说了，<span style="color: black;">日前</span>全国经营<span style="color: black;">公司</span>的实缴注册资本为5亿，区域经营<span style="color: black;">公司</span>实缴<span style="color: black;">需求</span>是5000万。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">社长昨晚<span style="color: black;">亦</span>大概统计一下，<span style="color: black;">已然</span>达到全国经营<span style="color: black;">公司</span>标准的平台，<span style="color: black;">此刻</span><span style="color: black;">不外</span>8家，达到区域<span style="color: black;">公司</span>的平台<span style="color: black;">亦</span><span style="color: black;">不外</span>200余家。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">需要复习的<span style="color: black;">伴侣</span><span style="color: black;">能够</span>点击：</span><a style="color: black;"><span style="color: black;">P2P增资潮 | 5亿的入场费，<span style="color: black;">那些</span>平台<span style="color: black;">已然</span>给了？（附名单）</span></a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">以6月<span style="color: black;">做为</span><span style="color: black;">第1</span>批备案名单的分割线，社长估计能够实现实缴5亿的平台，<span style="color: black;">亦</span>就10余家。能够达到区域经营<span style="color: black;">公司</span>门槛的平台，不少，但6月底，估计还是200多家。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">第1</span>笔账：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">全国经营<span style="color: black;">公司</span>：5亿</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">区域经营<span style="color: black;">公司</span>：5千万</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">2.<span style="color: black;">危害</span>准备金</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">危害</span>准备金<span style="color: black;">大众</span>听到是不是有点耳熟。其实早在2014年P2P崛起的时候，行业就有什么“准备金”、“维权经费”、“公益信托”、“企业生前遗嘱”等。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">但<span style="color: black;">亦</span><span style="color: black;">由于</span>当时P2P发展的局限性，这些都<span style="color: black;">无</span>起到很好的<span style="color: black;">功效</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">监管在备案细则中<span style="color: black;">知道</span>提出，<span style="color: black;">危害</span>准备金的<span style="color: black;">重点</span><span style="color: black;">功效</span>是先行支付出借人<span style="color: black;">因为</span>P2P平台发布虚假信息或自融等<span style="color: black;">原由</span>时<span style="color: black;">导致</span>的损失；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">说的明白点，<span style="color: black;">危害</span>准备金<span style="color: black;">便是</span>平台的“押金”，钱是平台押在银行的，由监管进行专户管理，你敢用吗？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在社长看来，<span style="color: black;">危害</span>准备金的设立其实更偏向于降低平台的杠杆，<span style="color: black;">掌控</span><span style="color: black;">危害</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">第二笔账：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">全国经营<span style="color: black;">公司</span>：</span><span style="color: black;">待收的3%</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">区域经营<span style="color: black;">公司</span>：</span><span style="color: black;">待收的1%</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">3.<span style="color: black;">危害</span><span style="color: black;">赔偿</span>金</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span>说<span style="color: black;">危害</span>准备金是针对平台内部的<span style="color: black;">危害</span>，那<span style="color: black;">赔偿</span>金<span style="color: black;">重点</span>降低<span style="color: black;">外边</span><span style="color: black;">危害</span>，<span style="color: black;">亦</span><span style="color: black;">便是</span>借款人带来的逾期，坏账等。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这<span style="color: black;">一起</span>更像是<span style="color: black;">弥补</span>履约险的<span style="color: black;">功效</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">大众</span><span style="color: black;">亦</span>清楚，</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">因为</span>P2P爆雷的波及面过大，<span style="color: black;">危害</span>还<span style="color: black;">拥有</span>传递性。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span>监管依旧放任平台与保险<span style="color: black;">机构</span>合作，保险<span style="color: black;">机构</span>理赔能力大幅度降低的规模事件有可能会再次<span style="color: black;">出现</span>，保险<span style="color: black;">机构</span>的其他业务<span style="color: black;">亦</span>会受到影响。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">与其让<span style="color: black;">危害</span>转移，不如把<span style="color: black;">危害</span><span style="color: black;">掌控</span>在源头。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>，在社长看来，</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">危害</span><span style="color: black;">赔偿</span>金除了是赔款给出借人的<span style="color: black;">功效</span>以外，更重要的是在于敦促平台加强<span style="color: black;">自己</span>的风控水平。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">毕竟平台的风控做的<span style="color: black;">欠好</span>，赔钱的还是自己。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这<span style="color: black;">一起</span>依旧和<span style="color: black;">危害</span>准备金<span style="color: black;">同样</span>，直接与待收挂钩，责任和收入，是成正比的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">第三笔账：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">全国经营<span style="color: black;">公司</span>：</span><span style="color: black;">6%</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">区域经营<span style="color: black;">公司</span>：</span><span style="color: black;">3%</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这么一笔账算下来，<span style="color: black;">大众</span>看明白其中的弯弯道道了吗？</span><strong style="color: blue;"><span style="color: black;">相比<span style="color: black;">危害</span>准备金&<span style="color: black;">危害</span><span style="color: black;">赔偿</span>金，实缴的钱<span style="color: black;">能够</span>用“杯水车薪”来形容了。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">毕竟和待收直接<span style="color: black;">根据</span>比例挂钩的，<span style="color: black;">针对</span><span style="color: black;">有些</span>大平台<span style="color: black;">来讲</span>，<span style="color: black;">她们</span>需要给付的资金其实更为庞大。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">社长<span style="color: black;">亦</span>给<span style="color: black;">大众</span>整理的待收TOP50的平台这三部分需要的<span style="color: black;">花费</span>，<span style="color: black;">倘若</span>有误，欢迎交流</span><span style="color: black;">（<span style="color: black;">微X</span>：shezhang012）</span><span style="color: black;">~</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/AGFUdAyHbol9ZfribJkmNiabzrCRTX5yeJh5lvS6mz9wZMJv9yBgYybMIe5OaRA9FG2r3jOQ1icKQtnqaPmKqh7pQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">总的<span style="color: black;">来讲</span>，除去这三部分是押在监管手上的钱，还有<span style="color: black;">需求</span>的三降，其他备案严规的影响，</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">平台所支出的资金还远远不止<span style="color: black;">咱们</span>上面估算的这些。</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">亦</span>就这短短几个月，<span style="color: black;">每日</span>宣布清退倒下的平台怕是越来越多，毕竟小平台要撑过这一段的时间，没几个钱是熬<span style="color: black;">不外</span>去，没本事的想熬都没资格。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">回到<span style="color: black;">咱们</span>一<span style="color: black;">起始</span>的问题：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">“<span style="color: black;">倘若</span>是<span style="color: black;">根据</span>网贷监管备案细则<span style="color: black;">方法</span>，这些<span style="color: black;">危害</span>准备金&<span style="color: black;">危害</span><span style="color: black;">赔偿</span>金都是平台自掏腰包的话，是不是存在自担保的嫌疑，会不会触及法律的红线？”</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这话是问的没问题的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">毕竟当时说自融自担保违法的依旧是监管，但<span style="color: black;">针对</span><span style="color: black;">此刻</span>的<span style="color: black;">状况</span><span style="color: black;">来讲</span>，<span style="color: black;">危害</span>准备金&<span style="color: black;">赔偿</span>金的存在是真的不<span style="color: black;">恰当</span>吗？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">社长个人还是持有<span style="color: black;">保存</span>意见。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">虽然<span style="color: black;">此刻</span>监管暗地里<span style="color: black;">需求</span>平台是做好“刚兑”的准备，但<span style="color: black;">针对</span>我们投资人<span style="color: black;">来讲</span>，</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">必定</span>要牢记好P2P平台本身就<span style="color: black;">做为</span>一个“<span style="color: black;">中间商</span>”的角色存在。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">无论是<span style="color: black;">针对</span>投资人自己<span style="color: black;">或</span>是<span style="color: black;">全部</span>行业的发展<span style="color: black;">来讲</span>，一昧的<span style="color: black;">需求</span>平台刚兑既不<span style="color: black;">恰当</span>，<span style="color: black;">亦</span>不现实。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>只能说<span style="color: black;">咱们</span>投资人的合法权益应该是要<span style="color: black;">守护</span>好的，但<span style="color: black;">危害</span>这个东西，只能降低，消灭不了。</span></p><span style="color: black;"><span style="color: black;">举荐</span>阅读</span><a style="color: black;"><span style="color: black;">不投P2P，还有这些<span style="color: black;">长时间</span>理财<span style="color: black;">制品</span><span style="color: black;">能够</span>选！</span></a><a style="color: black;"><span style="color: black;">这些短期<span style="color: black;">可靠</span>理</span></a>财<span style="color: black;">制品</span>你<span style="color: black;">必定</span>要<span style="color: black;">晓得</span>！<a style="color: black;"><span style="color: black;">年化8%的理财<span style="color: black;">制品</span>，<span style="color: black;">能够</span>代替P2P吗？</span></a><a style="color: black;"><span style="color: black;">必看！</span></a><a style="color: black;"><span style="color: black;">怎么<span style="color: black;">才可</span>买到年化超6%的银行理财<span style="color: black;">制品</span>？</span></a>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">更加多</span>投资理财攻略</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">请扫描下方二维码添加社长助理<span style="color: black;">微X</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">▼ ▼ ▼</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/AGFUdAyHbon2POicbOcPLSG4mTb7NI9vsmGhugnXdjgoX4QtAZRyGKk6c30NibvicwJAS5as85trOLS7tdwMib1u5A/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">原创<span style="color: black;">很难</span>，点赞，分享给<span style="color: black;">更加多</span>投友！</span></p><img src="https://mmbiz.qpic.cn/mmbiz_png/AGFUdAyHbom7RNYgvRibQPEqzuS8WpjfibmeWvNlnmlQ8xlFJcSURW3QMEKqdGGXc2ibhpIjPicXicicC6UVD02S1H0g/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;">听说点了“好看”的人，都暴富了！
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