As one of the industries with strict control in China, the first thing to bear the brunt is of course the qualification, that is, the license plate. Financial supervision is divided into pre-supervision, in-process supervision and post-supervision. Market access system is the core of prior supervision, and financial license plate is the normal performance of market access system. A financial license, that is, the business license of a financial institution, is an official document authorizing a financial institution to conduct business.

At present, there are more than 30 kinds of financial business qualifications that need to be approved and filed in China, including banking, insurance, trust, brokerage, financial leasing, futures, funds, fund subsidiaries, fund sales, third-party payment licenses, micro-loans and pawns.

Second, consumer finance, as a sub-industry of the financial industry, is a pilot project in China:

Consumer finance companies mentioned in the Pilot Measures for Consumer Finance Companies refer to non-bank financial institutions established in People's Republic of China (PRC) with the approval of the China Banking Regulatory Commission, which do not absorb public deposits and provide loans for consumption to individual residents in China on the principle of small amount and dispersion. "Consumer loans" as mentioned in the Measures refers to loans granted by consumer finance companies to borrowers for consumption (excluding house purchase and car purchase). The name of a consumer finance company shall be marked with the words "consumer finance". Without the approval of the CBRC, no institution may use the word "consumer finance" in its name.

Third, about the license plate for ants to borrow.

Ant Financial has licenses such as online small loans, and currently relies mainly on these licenses for business layout.