Chapter I General Provisions Article 1 In order to regulate the business activities of information intermediaries in person-to-person lending, protect the legitimate rights and interests of information intermediaries and related parties in person-to-person lending, promote the healthy development of person-to-person lending industry, and better meet the investment and financing needs of small and medium-sized enterprises and individuals, according to the overall requirements and regulatory principles put forward in the Guiding Opinions on Promoting the Healthy Development of Internet Finance, and in accordance with the General Principles of the Civil Law of People's Republic of China (PRC), the Company Law of People's Republic of China (PRC) and the Company Law of. Article 2 Unless otherwise provided by laws and regulations, these Measures shall apply to the information intermediary business activities of person-to-person lending in China.
Peer-to-peer lending as mentioned in these Measures refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. Peer-to-peer lending information intermediary refers to a financial information intermediary company established according to law and specializing in information intermediary business activities in peer-to-peer lending. Such institutions take the Internet as the main channel to provide information collection, information release, credit evaluation, information exchange, loan matching and other services for borrowers and lenders, so as to realize direct lending.
The term "local financial supervision department" as mentioned in these Measures refers to the department that the provincial people's government undertakes the responsibility of local financial supervision. Article 3 Peer-to-peer lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm national interests and social public interests.
Borrowers and lenders shall bear the loan risks in accordance with the principles of voluntary lending, honesty and trustworthiness, self-responsibility and self-risk. Peer-to-peer lending information intermediaries bear the responsibility of objective, true, comprehensive and timely information disclosure and do not bear the risk of loan default. Article 4 The management responsibilities of all parties shall be implemented in accordance with the general requirements of "encouraging innovation, preventing risks, benefiting and avoiding disadvantages, and developing healthily" in the Guiding Opinions on Promoting the Healthy Development of Internet Finance and the regulatory principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision". The State Council Banking Regulatory Authority and its dispatched offices are responsible for formulating the supervision and management system of information intermediary institutions' business activities in peer-to-peer lending, and implementing behavioral supervision. The provincial people's government is responsible for the institutional supervision of information intermediaries in peer-to-peer lending. The Ministry of Industry and Information Technology is responsible for supervising the telecommunications business involved in the business activities of information intermediaries in personal-to-personal lending. The Ministry of Public Security takes the lead in supervising the Internet services of information intermediaries in peer-to-peer lending, investigating and punishing illegal acts violating network security supervision according to law, and severely cracking down on financial crimes and related crimes involving peer-to-peer lending. The National Internet Information Office is responsible for the supervision of financial information services and Internet information content. Chapter II Filing Management Article 5 Peer-to-peer lending information intermediaries and their branches that intend to provide information intermediary services in peer-to-peer lending shall, within 10 working days after obtaining the business license, bring relevant materials to the financial supervision department where the industrial and commercial registration is located for filing.
Local financial supervision departments are responsible for filing and registering information intermediaries in P2P lending. Local financial supervision departments shall accept the filing and registration materials submitted by peer-to-peer lending information intermediaries when they are complete, and complete the filing and registration procedures within the time limit prescribed by the provinces (autonomous regions and municipalities). Filing and registration does not constitute recognition and evaluation of the operating ability, compliance and credit status of peer-to-peer lending information intermediaries.
Local financial supervision departments have the right to evaluate and classify peer-to-peer lending information intermediaries after filing and registration according to these Measures and relevant regulatory rules, and publicize the filing and registration information and classification results on the official website in time.
P2P lending information intermediary institutions shall apply for the corresponding telecom business license in accordance with the relevant provisions of the transportation department after completing the registration with the local financial supervision department; If the telecommunications business license is not handled according to the regulations, the information intermediary business in peer-to-peer lending shall not be carried out.
Specific rules for filing, registration, evaluation and classification of peer-to-peer lending information intermediaries shall be formulated separately. Article 6 An institution engaged in peer-to-peer lending information intermediary business shall substantially define peer-to-peer lending information intermediary in its business scope, except as otherwise provided by laws and administrative regulations. Article 7 Where the registered items of an information intermediary institution change in peer-to-peer lending, it shall report to the local financial supervision department in industrial and commercial registration within 5 working days to change the registered information. Article 8 If a registered peer-to-peer lending information intermediary institution intends to terminate the peer-to-peer lending information intermediary service, it shall notify the local financial supervision department in industrial and commercial registration in writing at least 10 working days before terminating the business, and handle the record cancellation.
Where a peer-to-peer lending information intermediary institution registered for the record is dissolved or declared bankrupt according to law, the local financial supervision department of the industrial and commercial registration place shall cancel its record, except for liquidation according to law. Chapter III Business Rules and Risk Management Article 9 Information intermediaries in person-to-person loans shall perform the following obligations:
(1) According to laws, regulations and contractual agreements, provide borrowers and borrowers with the collection, sorting, screening and online publishing of direct lending information, as well as credit evaluation, loan matching, financing consultation, online dispute resolution and other related services;
(two) the qualifications of lenders and borrowers, the authenticity of information, the authenticity and legality of financing projects;
(3) Take measures to prevent fraudulent acts, discover fraudulent acts or other situations that harm the interests of lenders, and promptly announce and terminate relevant peer-to-peer lending activities;
(four) continue to carry out peer-to-peer lending knowledge popularization and risk education activities, strengthen information disclosure, guide lenders to participate in peer-to-peer lending in a small amount, and ensure that lenders are fully aware of lending risks;
(five) in accordance with laws and regulations and the relevant regulatory requirements of interbank lending, timely submit and register the creditor's rights and debts related information in interbank lending to the relevant data statistics department;
(6) Properly keep the information and transaction information of lenders and borrowers, and shall not delete, tamper with, illegally trade or disclose the basic information and transaction information of lenders and borrowers;
(7) Performing anti-terrorist financing obligations such as customer identification, suspicious transaction report, customer identity information and transaction record keeping according to law;
(eight) to cooperate with relevant departments to prevent and investigate financial crimes;
(nine) in accordance with the relevant requirements to do a good job in Internet information content management, network and information security related work;
(10) Other obligations stipulated by the banking supervision institution of the State Council and the provincial people's government of industrial and commercial registration.
What are the obligations of information intermediaries in peer-to-peer lending?
The obligations of peer-to-peer lending information intermediaries are as follows: (1) According to laws, regulations and contractual agreements, provide direct lending information collection, sorting, screening and online publishing, as well as credit evaluation, loan matching, financing consultation, online dispute resolution and other related services for both borrowers and lenders; (two) the qualifications of lenders and borrowers, the authenticity of information, the authenticity and legality of financing projects; (3) Take measures to prevent fraudulent acts, discover fraudulent acts or other situations that harm the interests of lenders, and promptly announce and terminate relevant peer-to-peer lending activities; (four) continue to carry out peer-to-peer lending knowledge popularization and risk education activities, strengthen information disclosure, guide lenders to participate in peer-to-peer lending in a small amount, and ensure that lenders are fully aware of lending risks; (five) in accordance with laws and regulations and the relevant regulatory requirements of interbank lending, timely submit and register the creditor's rights and debts related information in interbank lending to the relevant data statistics department; (6) Properly keep the information and transaction information of lenders and borrowers, and shall not delete, tamper with, illegally trade or disclose the basic information and transaction information of lenders and borrowers; (7) Performing anti-terrorist financing obligations such as customer identification, suspicious transaction report, customer identity information and transaction record keeping according to law; (eight) to cooperate with relevant departments to prevent and investigate financial crimes; (nine) in accordance with the relevant requirements to do a good job in Internet information content management, network and information security related work; (10) Other obligations stipulated by the banking supervision institution of the State Council and the provincial people's government of industrial and commercial registration. Article 9 of the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries shall fulfill the following obligations: (1) To provide both borrowers and borrowers with the collection, collation, screening and online publication of direct lending information, as well as credit evaluation, loan matching, financing consultation, online dispute resolution and other related services; (two) the qualifications of lenders and borrowers, the authenticity of information, the authenticity and legality of financing projects; (3) Take measures to prevent fraudulent acts, discover fraudulent acts or other situations that harm the interests of lenders, and promptly announce and terminate relevant peer-to-peer lending activities; (four) continue to carry out peer-to-peer lending knowledge popularization and risk education activities, strengthen information disclosure, guide lenders to participate in peer-to-peer lending in a small amount, and ensure that lenders are fully aware of lending risks; (five) in accordance with laws and regulations and the relevant regulatory requirements of interbank lending, timely submit and register the creditor's rights and debts related information in interbank lending to the relevant data statistics department; (6) Properly keep the information and transaction information of lenders and borrowers, and shall not delete, tamper with, illegally trade or disclose the basic information and transaction information of lenders and borrowers; (7) Performing anti-terrorist financing obligations such as customer identification, suspicious transaction report, customer identity information and transaction record keeping according to law; (eight) to cooperate with relevant departments to prevent and investigate financial crimes; (nine) in accordance with the relevant requirements to do a good job in Internet information content management, network and information security related work; (10) Other obligations stipulated by the banking supervision institution of the State Council and the provincial people's government of industrial and commercial registration. Article 10 Information intermediaries in peer-to-peer lending shall not engage in or be entrusted to engage in the following activities: (1) financing for themselves or in disguised form; (2) directly or indirectly accepting and collecting the lender's funds; (three) directly or in disguised form to provide a guarantee to the lender or promise to protect the principal and interest; (4) Propagandizing or promoting financing projects in physical places other than the Internet, fixed telephones, mobile phones and other electronic channels by itself or by entrusting or authorizing a third party; (5) Granting loans, except as otherwise provided by laws and regulations; (6) Time limit for splitting financing projects; (seven) to raise funds through the sale of financial products such as wealth management, and to sell financial products such as bank wealth management, brokerage asset management, funds, insurance or trust products on a commission basis; (eight) to carry out asset securitization business or realize the transfer of creditor's rights in the form of packaged assets, securitization assets, trust assets and fund shares. ; (9) Mixing, bundling or acting as an agent in any form with investment, sales agency, brokerage and other businesses of other institutions, except as permitted by laws and regulations and relevant regulatory provisions on peer-to-peer lending; (10) Fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and spreading false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers; (eleven) to provide information intermediary services for high-risk financing such as investment in stocks, OTC fund-raising, futures contracts, structured products and other derivatives; (12) Engaged in equity crowdfunding and other businesses; (thirteen) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.
The best online lending platform _ Comments on the simplest loan app
abstract:
Online lending, also known as p2p online lending. P2p is the abbreviation of English peertopeer, which means "person to person". Peer-to-peer lending refers to the direct lending between individuals through the Internet platform. There are many online lending platforms, large and small. In the past year, there were also many informal platforms running, which made people have some concerns when investing. 20 18 which online lending platforms are more reliable? What are the most reliable online lending platforms? Let's get to know each other.
Text:
The best online lending platform
According to my experience, 20 18 10 has the following ten most reliable online lending platforms!
1, pleasant loan. Pleasant loan is a leading financial technology platform in China, which was launched by CreditEase on 20 12. Pleasant loan provides efficient, convenient and personalized credit loan consulting services for high-quality urban white-collar workers in China through technology-driven financial innovation; Provide safe and professional online wealth management services for wealthy people through "Happy Wealth".
2.lufax。 Lufax, whose full name is Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., is the world's leading Internet wealth management platform and a member of Ping An Group. It was incorporated in Shanghai on September 20 1 1 with a registered capital of 837 million yuan, located in Lujiazui, Shanghai, an international financial center.
3, everyone's loan. Renren Credit Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as "Renren Credit"), established on 20 10, is a professional information intermediary service platform for P2P lending under Renren Credit. As one of the earliest peer-to-peer lending information intermediary service platforms in China, Renren Lending Platform is committed to providing professional online credit and loan matching services for high-growth people.
4. Micro-loan network. The micro-loan network was launched on July 8, 20 1 1. As the forerunner of "Internet auto finance" in China, micro-loan network has created a standardized development model of vertical auto loan market and provided one-stop financial services for small and medium-sized enterprises and individual users.
5. pat on the loan. Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd.". Headquartered in Shanghai, an international financial center, it is a network information lending platform.
6. Point to the network. Point melting. Com (now officially renamed Dianrong) is an Internet lending information service intermediary company, providing innovative financial technology solutions for the China market, focusing on Internet lending information intermediary services. 20 12 was founded by SoulHtite, co-founder and former technical president of LendingClub, and Guo Yuhang, a Shanghai lawyer and private equity partner, and is headquartered in Huangpu District, Shanghai.
7. Group loan network. Tuandai.com was established on 20 1 1 and officially put into operation on 20 12. It is a peer-to-peer lending information intermediary service platform dedicated to helping small and micro enterprises. At present, the main operator of the group loan network is Dongguan Group Loan Network Internet Technology Service Co., Ltd., which is committed to providing high-quality services such as information collection, information release, information exchange and loan matching for both borrowers and borrowers.
8. Which net to vote for. Tuna Com was officially launched on 20 13. It is an information intermediary platform for peer-to-peer lending under Shenzhen Wangjin Financial Information Service Co., Ltd. (operated by Shenzhen Tuna Financial Service Co., Ltd.), focusing on the field of Internet auto finance and ranking first in the industry.
9.Yiyin.com. One sound. Com, an information intermediary platform in P2P lending. 20 14 was invested by Softbank China Capital (SBCVC). Adhering to the operating principles of transparency, professionalism and temperature, the platform provides information collection, information release, credit evaluation, information exchange, loan matching and other services for both borrowers and borrowers, so as to realize direct lending.
10, favorable network. The main operator of the favorable network platform is Beijing Honghe Baiji Financial Information Service Co., Ltd. (hereinafter referred to as "favorable network"), which was established on May 3, 2002, with a registered capital of 50 million yuan and paid-in capital of 50 million yuan.
Review the simplest loan app.
1. Cai Xi loan application is a mobile loan application, which can recommend loan opening. Whether you are an office worker, a self-employed person, or a person without a fixed occupation, you can find a hole that is easy to review from the Cai Xi Loan APP, and usually you can get a loan on the same day.
2. For friends with high sesame scores, salary is a loan APP that is easy to review. The amount of paid loans can reach 3,000 yuan, and the term cannot exceed 30 days or less than 7 days. Fortunately, wages do not check credit information, nor do they go to credit information.
3. For friends with credit cards, Goodwill Letter is an easy-to-review mobile loan APP. The amount can reach 1 ten thousand yuan, and the term is generally 30 days. You can pay the same day without mortgage guarantee. Like the value of goods, a good person and a good letter will also check the credit information and go to the credit information.
4. Qianzhan is also an easy-to-review loan APP, which has a great reputation in the credit industry. However, money stations only provide loans to people with good credit. The loanable amount of this loan is between 65,438+0,000-65,438+0,000,000 yuan, the monthly interest rate is no more than 0.95%, and the term is 3-36 months.
If you want to start investing in online loans yourself, you must first learn to investigate and judge whether an online loan platform is reliable. The last thing to emphasize is that investment is risky and you need to be cautious when entering the market!
How does the online loan intermediary work?
To put it simply, the job of online loan intermediaries and loan officers is the same, that is, to help customers make money and get commission. The difference is that the loan officer works in his company and gets a salary of 8,000 to 12000 a month. Online loan intermediaries do it themselves, and their income can be freely controlled.
The operation of this industry is very simple. Two people start a business, if you start the capital, four or five thousand will do. Rent a room, print out leaflets like small advertisements, and don't be stingy with publicity. Later, customers will automatically ask you to do related loan business. As long as you can brag, you can send some inducing messages in the circle of friends anyway, but you need to be clear about what kind of people can apply for the exam.
At the higher end, people with brains began to promote the current Internet platform. Some capable people set up a special opening for others, that is, how to raise credit cards, how to apply, and what people with different qualifications recommend to him. Set up a website and share a few posts for ten or twenty minutes every day. If someone applies, you will make money.
Online loan attribute
Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms.
Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.
Peer-to-peer lending information intermediaries may not engage in or accept entrusted activities.
According to Article 10 of the Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries, peer-to-peer lending information intermediaries may not engage in or be entrusted to engage in the following activities:
(1) Using the Internet platform of the institution to finance itself or its affiliated borrowers.
(2) directly or indirectly accepting and collecting the lender's funds.
(3) Providing guarantee to the lender or promising to protect the principal and interest.
(four) to publicize or recommend financing projects to unregistered users of the real-name registration system.
(5) Granting loans, except as otherwise provided by laws and regulations.
(6) Time limit for splitting financing projects.
(seven) bank wealth management, brokerage asset management, fund, insurance or trust products sales.
(8) To engage in any form of mixing, bundling or acting as an agent for investment, sales agency, promotion and brokerage with other institutions, except as permitted by laws and regulations and relevant regulatory provisions on peer-to-peer lending.
(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false and one-sided propaganda or promotion by vague language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers.
(ten) to provide information intermediary services for financing investment in the securities market.
(eleven) engaged in equity crowdfunding, in-kind crowdfunding and other businesses.
(twelve) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.
Extended data
Network loan risk
1, the virtual nature of online transactions makes it impossible to authenticate the credit status of both borrowers and borrowers, which is prone to fraud and non-payment of debts.
2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often punished for "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.
3. If loans are issued on behalf of the network platform, if the network platform neglects self-discipline, or the internal control procedures fail, or are used by others, there may be cases of fabricating loan information and illegally raising funds.