Password cards are a set of ever-changing numbers. The password card is just a card with numbers, which is made up of horizontal and vertical combinations.
There are two passwords for bank online banking: 1, password card or password card, and 2, U shield.
Question 2: What does the licensee mean in securities? Refers to the practitioners who hold the securities qualification certificate (license), which is generally the name of the holder of the securities qualification certificate in Hong Kong. Of course, there are many kinds of qualifications, and the holder is just a general statement.
Question 3: What does it mean to be a licensed person in charge? Drawing lessons from Hong Kong's practice, the fund industry association introduced the concept of licensed person in charge, requiring the registered manager to have two licensed person in charge. The qualification of the licensed person-in-charge is recognized by the association, and it needs to meet four conditions, such as managing the daily operation of the company, having more than three years of working experience in the investment management industry, passing the laws and regulations examination organized by the fund industry association, having good integrity, and having no record of violation of laws and regulations in the last three years. If you register
If the fund manager violates laws and regulations, the licensed person in charge shall bear corresponding responsibilities.
Responsibilities of institutional licensees
Institutional licensees are mainly responsible for designing and implementing continuing education programs that best meet the training needs of their registered directors and representatives, so as to enhance the industry knowledge, skills and professional ethics of relevant persons.
The licensee of an organization shall review its training plan at least once a year and arrange training activities for its employees in the required priority.
When formulating the training plan, the institutional licensee must take into account the scale, organizational structure, risk management system, business scope, regulatory framework and development at that time.
The training plan can be provided internally by the organization or suitable external courses can be adopted. When the organization provides internal training courses, the licensee of the organization must ensure that the content design of the courses can match and help the employees of the organization perform their functions. As long as the subject is related to the duties of the licensee and can improve the performance of the licensee in performing his duties, it is in line with the purpose of continuous training.
The Academic Accreditation Advisory Committee will not approve in advance the internal training courses provided by institutional licensees, but institutional licensees should inform the SFC of the training date and details before holding the training, and keep attendance records for those who have completed the training. The CSRC may send personnel to attend relevant training courses to ensure the quality of training.
Criteria for evaluating the ability of the licensee
The license applicant should show that he has the knowledge, skills and ability to effectively and wholeheartedly perform his functions as a license holder. The licensee should always be competent.
The requirements listed in this guide are not exhaustive.
Even if the applicant fails to meet the specific requirements set out in these Guidelines, the SFC may still consider him a suitable licensee.
On the premise of not damaging the protection of investors, the China Securities Regulatory Commission will flexibly implement the competency standards. If the applicant or licensee is an institution, the China Securities Regulatory Commission will consider the scale and nature of its business and accept any alternative arrangement that can achieve effective risk management and appropriate internal control objectives; Whether these arrangements are made in Hong Kong or overseas, or at the level of local companies or groups. Similarly, as far as individual applicants or licensees are concerned, the SFC will consider the responsibilities of the applicants, their positions in the relevant organizations, and their qualifications or experience obtained locally or overseas.
For the purposes of these Guidelines, institutional licensees refer to companies engaged in authorized activities, including wholly-owned enterprises, limited companies and partnership companies. Individual licensee refers to the director 1 or his representative who needs to obtain a license according to relevant regulations.
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Question 4: What is the word "licensee" in the securities of a licensed financial institution? Refers to the practitioners who hold the securities qualification certificate (license), which is generally called the holder of the securities qualification certificate in Hong Kong. Of course, there are many kinds of qualifications, and the holder is just a general statement.
Question 5: What does the Hong Kong Securities and Futures Commission licensee mean? According to the licensing and registration provisions in Part V of Hong Kong's Securities and Futures Ordinance, anyone who conducts regulated activities must apply for a license from the Hong Kong Securities and Futures Commission. The licensee or individual is a "licensee of the Hong Kong Securities Regulatory Commission".
Question 6: What are the financing methods of non-financial institutions in China? First of all, the most familiar channel is bank loans. There are more than 700 banks in China, five state-owned banks and most national joint-stock banks have branches in Guangxi, and local city commercial banks include Beibu Gulf Bank, Guilin Bank and Liuzhou Bank, as well as rural credit cooperatives, rural cooperative banks and national village banks 100.
More than ten kinds of licensed financial institutions such as trust companies, insurance companies, securities companies, financial leasing companies and asset management companies can be divided into one category;
The third category is private financing channels, including small loan companies, guarantee companies, pawn shops, financial service companies, P2P/ crowdfunding websites and other public channels, as well as more flexible unlicensed private funding channels.
The fourth category is equity financing channels. Shang Gao enterprises are listed on the main boards of Shanghai Stock Exchange and Shenzhen Stock Exchange for public financing. Private financing can be listed on the OTC market such as Beibu Gulf Property Rights Exchange, and seek private equity financing from various equity investment funds, professional investment companies and professional investors.
Question 7: What is particularly good about the certified teachers in Wingca? Don't worry, licensed representatives have excellent business in studying abroad, communicate with Canadians, have good English and understand policies. This is not a particularly good place.
Question: How many companies in the p2p industry have the central bank's corporate credit license? According to the prospective industry research institute's China P2P industry market prospect and investment strategy planning analysis report, since the central bank issued a personal credit license, there have been credit rating agencies, banks, small loans and other credit data service providers, third-party payment companies, social and e-commerce giants set up credit reporting companies, comprehensive.
The credit reporting companies under the financial group successively robbed. Now in addition to the Internet platform (Baidu, JD.COM. COM), the major mobile phone manufacturers have also come (Xiaomi), the operators (China Mobile) have also come, and even * * * organizations may come.
-At least two senior credit reporting executives have told reporters that the Youth League is also preparing to apply for a personal credit reporting license.
A closer look at the press conference of the Communist Youth League shows that more than two months ago, the Communist Youth League launched a youth credit system.
The pilot work of the Ministry of Construction, the first batch of pilot projects including Beijing, Guangdong and other seven provinces and cities. However, for a huge special group with low correlation with financial transactions, the reporter failed to find the connection between the * * * Youth League and the credit reporting industry.
C: How to establish a credit model? How to set the scoring index? How to collect data related to credit reporting, and what are the usage scenarios?
However, it is an indisputable fact that whether the Youth League will eventually apply for a license or whether it is a qualified applicant in the guidelines of the central bank, the main body of the domestic personal credit information industry is expanding rapidly. It is understood that China Mobile has informed that it will cooperate with China Merchants Bank to set up a credit investigation joint venture company, and both parties have set up their own preparatory groups.
However, on the one hand, people from all walks of life are surging, and on the other hand, the official license plate is stuck. As long as 1 1 month, after three rounds of acceptance, the first batch of eight personal credit information licenses have not been issued. An insider of the proposed licensee told me
Reporter: The preparation period has been postponed again and again, and the central bank is obviously still paying attention to some sensitive issues. Finally, not everyone can get it. "Of course, it is not excluded that the relationship behind the end use will be successfully obtained." He added.
The central bank recently issued the "Guidelines for the Supervision of Credit Information Agencies". Among them, Article 36 of Chapter VI sets the licensing conditions from four aspects: prudential conditions for the establishment of institutions, deposits of credit reporting institutions, off-site supervision and on-site inspection, and also
For the first time, it is clear that in case of legal disputes, individual credit reporting agencies need to withdraw the deposit according to 10% of their total registered capital to deal with the compensation of information subjects. It can be seen that the central bank wants to let the personal credit information industry blossom.
But not too much. Therefore, it will clearly raise the threshold and standardize the development of the industry.
The central bank's caution is not unreasonable. Because the credit industry is a serious and narrow industry abroad, in China, even people who make mobile phones have to apply for a license, and there are too many participants. Actually, calm down and think about it. How much of the "big data" owned by some companies is valid data related to credit reporting?
Previously, after the fast-track service of Sesame Airport was suspended by the supervision, many comments said that the personal credit information market in China was chaotic because of the dispute over the commercialization scene of the participants, which led to the abuse of credit points. But the reporter thinks this is harmless.
Elegant, because there are many use scenarios of credit points, it can also promote the audience's attention to credit. The core problem here is that the collection scenarios of credit rating factors cannot be flooded. Even if the collection scene is flooded, the rating agencies should ensure that there are enough.
Scientific algorithms and models transform weakly related data into effective indicators and issue credit reports worthy of the information subject (i.e. the assessed).
Credit investigation is becoming more and more important, which is closely related to everyone. Although there are few cases of natural persons suing rating agencies, with the deepening of market education and the increase of credit subjects, everyone has the right to safeguard their legitimate rights and interests while being evaluated. This should be the original intention of the central bank to set up a deposit system.
Therefore, those ambitious recruits who want to share credit information have to weigh their own strength again and continue to work hard.
Question 9: What is the function of the license of Gitzo Consumer Finance Company? Gitzo has developed rapidly with its licensing system, early development and rich scenes, and has become a leading enterprise in the field of consumer finance. In the first half of 20 16, Gitzo increased its loan by1900 million yuan and had 7.3 million active users, making it a veritable leading enterprise in the field of consumer finance, attracting much attention.