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2月24日,银监会发布《网络借贷资金存管业务指引》(以下简称《指引》),明确除必要的披露及监管要求外,网贷机构不得打着存管人的旗号做营销宣传。商业银行作为存管人,不对网络借贷交易等行为提供担保,不承担借贷违约责任。同时,《指引》要求商业银行不得以开展资金存管业务为由捆绑销售或变相收取不合理费用。相关业内人士表示,《指引》作
On February 24, the CBRC promulgated the “Guidance on the Depository Business of Online Lending Funds” (hereinafter referred to as the “Guideline”), specifying that, in addition to the necessary disclosure and regulatory requirements, the online banking institution may not make marketing publicity under the banner of the custodian. Commercial banks, as custodians, do not provide any guarantee for online loan transactions and do not assume the responsibility for loan default. At the same time, the Guidelines require commercial banks not to bundle sales or disguise illegitimate fees on the grounds of carrying out fund custody business. Relevant industry sources said, “Guide” for