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债权转让功能今天上线

发布时间:2018-11-15来源:欢乐合家
<p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">大家好,在刚刚过去的十一长假里,经过合家程序猿小哥的加班和努力,东融系债权登记系统中的债转功能,暂定会在今天晚些时候上线试运行。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"></span><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">关于债转功能,很早就向大家预告过。债转功能意思就是,通过现金交易,将一方的债权转让给另一方。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">其实,很多其他互金平台,一直就有债转功能,债转的规则在行业内也已经比较成熟。我们的债权登记系统,由于是后期开发的,所以债转功能上线得也比较晚。在这里,有一些关于东融系债转的细则,要向大家再说明一下。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">1.债权转让功能,仔细划分起来,会分为发布和接收两部分。其中,发布功能仅面向已经确权的用户开放。而接收功能,则面向全体用户开放,就是已经确权和未确权的用户都能接收其他人的债权。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">2.关于转让折扣的问题,之前征求过大家的意见。我们目前设计的最低转让折扣是70%,最高为100%。7折的最低折扣是为了防止踩踏。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">3.关于犹豫期,犹豫期是用来给买卖双方冷静思考的时间。如果买卖的任意一方,在犹豫期内反悔了,交易就会立即终止。目前设置的犹豫期是,发布债权转让后的5天(120小时)。注意,是发布转让信息起的120小时,意思是,A某发布债转信息,到第100小时,B某提交接受意向,并支付转让金额,如果B某在剩余的20小时内要求反悔,那么金额和债权都将原路返回。所以,其实接收方B某的犹豫期只有20小时。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">4.目前的规则里,只允许东融系现有的债权人之间的转让。这条规则的设置,依然是防止第三方进场收购债权,避免踩踏。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">5.关于债转中的支付通道的问题。债转是使用现金对债权的买卖,势必会关系到支付,目前我们使用的是第三方支付通道——易宝,所有现金在易宝账户内流转,东融不直接接触现金。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">最后,债转功能在试运行期间,交易时间暂定为每天早上8:00至下午17:00,超过这个时间段将不能发布也不能收取债权转让。以及,试运营期间,债转双方的手续费也将暂不收取。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">以上,是关于债转功能的一些说明,大家如果有什么其他建议也欢迎留言告诉我们。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">此外,决策委的招募还在持续进行中,选举决策委的初衷,是为了明确监督和决策的不同职责,构建更加科学合理、具有约束的力的管理机制,以推进处置还款工作。整个招募工作会持续到10月12日,欢迎广大有识之士继续自荐或者他荐。</span></p>