在越来越多的银行对网络借贷平台资金存管业务跃跃欲试的背景下,农行“关闭全部涉P2P交易接口”的反向举措,引发了业内广泛关注。农业银行(电子银行部)于1月22日发布了《关于立即停止与违规违约支付机构合作的通知》,通知指出,近期,P2P网贷平台风险事件频发,涉及客户群体及资金损失金额较大,引起社会和舆论广泛关注。“部分第三方支付机构向P2P平台提供了农行卡支付通道,导致风险蔓延至我行,给我行声誉带来极大的负面影响。”为此,农业银行要求“立即关闭全部涉P2P交易接口”。新快报记者了解到,目前尚未有银行跟进类似举措。
有支付公司早已关闭支付接口
农业银行在通知中明确表示:“严禁各级机构为P2P等各类网络借贷平台提供任何网络支付接口,严禁合作第三方支付机构将我行任何网络支付接口,提供给P2P等各类网络借贷平台。各行须立即全面排查辖区内支付机构合作接口,一经发现以上情况,立即关闭相关支付机构接口。”
贝付支付1月22日在官网发布公告称,近期P2P网贷平台风险事件频发,应中国农业银行总行要求,对第三方支付机构进行排查,要求我司禁止对农行的任何网络支付接口提供给P2P等各类网络贷平台。为此我司将于1月26日前关闭P2P等行业的农行支付渠道。有消息称,目前包括易宝支付、汇付天下、宝付支付、通联支付在内的多家第三方支付公司,已响应农行要求。不过,上述支付公司并未像贝付支付那样,在官方渠道明确表示“关闭P2P行业的农行支付渠道”。
业内人士表示,银行向第三方支付开放的接口包括了网银接口、快捷支付接口和代扣接口等。如果从目前流传出的“立即关闭全部涉P2P交易接口”的说法,所有的接口都不能使用。但农行此番动作只会对拥有农行账户的投资者的充值、取现等投资体验产生不便利的影响,但只要换个银行卡就可以操作了,也就是“其他银行没有影响”。
反应过度,仅对用户体验有影响
记者了解到,目前其他国有大行并无实施类似举措。61对153于110此事件,大多业内人士均认为是农业银行的单一行为,不会引发其他银行跟进。
“支付公司通过银行与P2P合作,本身并不会对银行产生风险,比如那么多平台出问题,没听说有投资者去找支付公司、银行的麻烦,因此,很明显更多是农行内部管理的风险。” 广州互联网金融协会会长、广州e贷CEO方颂表示:一方面,大银行对这块市场本来就不是很看重,目前积极响应的主要是中小银行;另一方面,系列风险事件暴露了农行的内部管理问题,正在进行整顿,所以先暂停一些业务,摸查清楚后再决定怎么做,这是正常的出牌套路。
网贷之家高级研究员张叶霞认为,在当前监管层力推P2P平台要求银行进行资金存管的大前提下,农行此举与监管意图是相悖的。“此举应该只是一个阶段性的行为,待风险排查过后,将来应该还是会重新开放的。”
张叶霞称,接下来要密切关注其他行会不会相继跟进。“在当前的敏感时点,如果其他大行也跟进的话,对P2P行业将有很大的伤害。”
壹宝贷CEO罗浩杰则对新快报记者表示,农行因为风险事件造成的反应过度,“我认为其他银行跟风的可能性不大”。其表示,此次事件只会在用户体验上有一定的影响。“部分用农行卡充值的用户不方便了,必须转到其他银行再充值”。
旺财谷创始人曾克庆也表示,对于行业影响甚微,但是对于投资人可能会造成心理波动,甚至加剧恐慌情绪。“这样也有助于淘汰盲目冲动型的投资人,对投资者教育而言也是一件好事。”
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