1. Financial institutions refer to financial intermediaries engaged in financial services and are an integral part of the financial system. Financial services include banking, securities, insurance, trust, funds and other industries. Correspondingly, financial intermediaries also include banks, securities companies, futures companies, insurance companies, trust and investment companies and fund management companies. All the above are licensed financial institutions and are subject to strict supervision. Securities companies, futures companies and fund management companies are supervised by China Securities Regulatory Commission, while banks, insurance companies and trust and investment companies are supervised by China Banking Regulatory Commission. Investors can check the list of legal entities on the official websites of China Securities Regulatory Commission and the Central Bank of China.
2. The formal financial companies are as follows, officially authorized. Formal and reliable lending institutions hold relevant financial licenses and accept the supervision of relevant departments. It also has a legal business license, fixed office address, company phone number, etc. Borrowers can inquire about specific information through relevant websites or other public channels. No arbitrary charges. Formal and reliable lending institutions do not charge arbitrary fees, and do not charge any fees before lending. If the loan platform charges fees in the name of pre-lending fees, it is necessary to be vigilant and beware of being deceived. There are certain requirements for borrowers. Formal and reliable lending institutions have certain application thresholds, which require borrowers' age, income and credit information.
3. The basic feature of foreign-funded enterprises is that foreign-funded enterprises refer to enterprises established in China according to the laws of China. This is the basic feature that distinguishes foreign-funded enterprises from foreign enterprises. The establishment of a foreign-funded enterprise must meet the conditions stipulated by the laws of China and China. Apply for examination and approval in accordance with legal procedures, be registered and established by the enterprise registration authority, and have their domicile in China. A foreign enterprise is incorporated in a foreign country in accordance with foreign laws, and its domicile is in a foreign country.
4. Foreign-invested enterprises are independent economic entities. The organizational form of foreign-invested enterprises is generally a limited liability company with independent legal personality and independent civil liability. This is different from the branches of foreign enterprises and other economic organizations in China. If a branch of a foreign enterprise or other economic organization does not have the status of a legal person and its property is insufficient to pay off its debts, the foreign enterprise or other economic organization to which it belongs shall bear the responsibility for paying off its debts. Foreign-invested enterprises refer to enterprises established by foreign investors in China. Specific preferential tax policies shall be determined in combination with relevant enterprises.