Article 1 The name of the Association is Shenzhen Internet Finance Association (hereinafter referred to as the Association). The English name is Shenzhen Internet Finance Association, abbreviated as SZIFA. Internet finance as mentioned in the Articles of Association refers to a legal person enterprise that provides financial intermediary services such as third-party payment and settlement, mobile payment, online credit, crowdfunding financing (equity), financial product sales, e-commerce finance, and factor platform by relying on the Internet, mobile communication, big data processing and other technical means; And innovative online financial institutions, e-commerce institutions, franchisees, R&D centers, etc. established by traditional banks, securities funds, futures, insurance and other financial institutions.
Article 2 The Association is a joint organization of Internet finance industry in Shenzhen. It is a self-regulatory organization of Shenzhen Internet finance industry, which is composed of Shenzhen financial institutions, Internet enterprises, enterprises and institutions specializing in Internet finance business, social organizations, scientific research institutions, relevant intermediaries and individuals. Is a local non-profit social organization, registered in Shenzhen according to law with the qualification of social organization legal person.
Article 3 Shenzhen Internet Finance Association, Shenzhen Online Lending Industry Association and Shenzhen Crowdfunding Association contact and discuss with each other, aiming at building a cross-industry and professional industry alliance self-discipline platform. Shenzhen Internet Finance Association co-ordinates, organizes and coordinates the major research projects, major decision-making matters and the use of funds of Shenzhen Online Lending Industry Association and Shenzhen Crowdfunding Association. Shenzhen Online Lending Industry Association and Shenzhen Crowdfunding Association accept the overall guidance and coordination of Shenzhen Internet Finance Association.
Article 4 Purpose of the Association: to build a public service platform for its members, promote self-discipline in the Internet finance industry, standardize market behavior, strengthen exchanges and cooperation, safeguard legitimate rights and interests, and promote the innovative and healthy development of Internet finance.
Article 5 The Association shall accept the supervision, management and guidance of the Financial Development Service Office of the Shenzhen Municipal People's Government (hereinafter referred to as the "Municipal Financial Office"), the financial supervision department stationed in Shenzhen and the Shenzhen Association Registration Administration.
Article 6 The domicile of this Association is located in Shenzhen.
Chapter II Duties and Responsibilities
Article 7 The Association shall perform the following duties of industry self-discipline:
(1) Organizing members to sign a self-discipline convention and its detailed rules for implementation, establishing a system for inspecting and publicizing the implementation of the self-discipline convention, accepting complaints from member units and the public, taking self-discipline and disciplinary measures, urging members to operate in compliance with laws and regulations, and maintaining a fair and competitive market environment;
(two) entrusted by the relevant government departments, organize the formulation of industry standards and business norms, promote the implementation and supervise the implementation of members, and improve the service level of the industry;
(three) to establish and improve the industry credit system and credit information system of institutions and employees, strengthen the supervision of integrity, and help promote the construction of industry credit system;
(four) to formulate the ethics and code of conduct for employees in the industry, conduct self-discipline management for employees in the industry, organize relevant training for employees in the industry, and improve the quality of employees;
(five) members who violate the articles of association, self-discipline conventions, management systems, etc. , damage the interests of the industry, can be punished according to the relevant provisions of self-discipline;
(six) to report to the relevant competent authorities in a timely manner the complaints suspected of violating laws and regulations and the acts suspected of violating laws and regulations in the industry.
Article 8 The Association shall perform the following duties of safeguarding rights in the industry:
(1) Organizing members to formulate conventions on rights protection, stopping all kinds of infringements and safeguarding the legitimate rights and interests of the industry by conducting regional credit environment rating, publishing the list of honest and trustworthy customers or customers who breach the contract, and implementing joint sanctions in the industry;
(two) to reflect the problems related to the reform and development of the industry to the relevant government departments, establish a communication mechanism with the relevant departments, and strive for an external environment conducive to the healthy development of the industry;
(3) Organizing members to carry out industry rights protection surveys, giving timely risk warnings to members, and promoting members to strengthen risk management.
Article 9 The Association shall perform the following duties of industry coordination:
(a) to accept the entrustment of members, coordinate the relationship with the government and its relevant departments, and assist the regulatory authorities in implementing relevant policies and measures;
(two) to coordinate the relationship between members, establish and improve the internal dispute mediation mechanism, solve all kinds of contradictions and disputes fairly and reasonably, and create a good industry environment;
(three) to coordinate the relationship between members and the public, strengthen communication between members and the public, safeguard the legitimate rights and interests of members and customers, and improve the public's awareness of financial management and risk;
(four) to strengthen communication and contact with the news media, formulate and implement the industry public opinion monitoring, guidance and response mechanism, correctly guide public opinion, consciously accept the supervision of public opinion, and safeguard the reputation and business order of the industry.
Article 10 The Association shall perform the following service duties:
(1) Establish an information communication mechanism among members, organize business, technology and information exchange and cooperation among members, and provide information services for members;
(2) Organizing exchanges and cooperation with professional institutions and Internet finance industry associations inside and outside the city;
(three) to strengthen communication and coordination with banks, securities, insurance and other industry associations, and build a platform for investment and financing cooperation between banks and enterprises;
(4) Give full play to the overall publicity function of the industry, coordinate and organize members to carry out publicity and consultation activities on new businesses and policies, vigorously popularize financial knowledge and raise public financial awareness;
(5) Organize business competitions, enhance understanding and friendship among members, and cultivate a healthy and progressive industry culture.
Eleventh other matters assigned and entrusted by laws and regulations, the Municipal Finance Office and other relevant government departments and members.
Article 12 The self-discipline, rights protection, coordination and service of the Association shall be subject to the professional guidance, supervision and management of the competent department, and the management system, internal management and financial audit of various industries such as self-discipline and rights protection of the Association shall be implemented after being approved by the Municipal Finance Office.
Thirteenth annual work summary, financial report and audit report of the Association shall be submitted to the Municipal Finance Office for review every six months, and the monthly work progress or daily dynamics shall be submitted to the Municipal Finance Office in a timely manner.
Chapter III Members
Fourteenth members of the association are divided into unit members and individual members.
The list of member units and changes shall be reported to the competent department and the community registration authority for the record.
Fifteenth members who apply to join the association must meet the following conditions:
(1) Recognition of the articles of association;
(two) voluntary membership and actively undertake and fulfill the responsibilities and obligations of members;
Article 16 An institutional member or social group member applying to join the association must meet one of the following conditions:
(1) Financial institutions, Internet enterprises and Internet finance enterprises registered in Shenzhen that rely on Internet technology to provide financial services.
(2) Relevant Internet finance sub-industry associations registered and filed by relevant competent departments and association registration authorities, or enterprise associations with standardized management and willingness to join Internet finance associations.
(3) Social research institutions engaged in theoretical research on the development of Internet finance and having certain influence.
(four) the relevant units with investment and financing needs or other information needs.
Seventeenth individual members who apply to join the association must meet one of the following conditions:
(1) Entrepreneurs and senior managers engaged in internet finance;
(2) Experts and scholars who are engaged in theoretical research on Internet finance and have a high academic level;
(3) celebrities from all walks of life who care about and support the development of Internet finance;
(4) Relevant personnel with investment and financing needs or other information needs.
Article 18 A legal person who voluntarily forms a professional non-profit social organization, accepts the articles of association of the association, is willing to fulfill the obligations of membership, actively participates in the activities of the association, and pays the membership fee according to the regulations may apply for membership of the association.
Article 19 An institution applying to join the Association shall submit the following documents:
(a) the application form and membership application registration form. The application shall specify the name and legal address of the applicant who recognizes the articles of association and participates in its activities;
(2) A copy of the business license issued by the administrative department for industry and commerce;
(3) The name list and resumes of the legal representative or principal responsible person and other senior managers.
Article 20 The Association shall decide whether to accept the applicant's application within 30 days from the date of receiving the applicant's application, and notify the applicant of the decision in writing. Failing to reply within the time limit shall be deemed as accepting the application.
Article 21 After being examined and approved by the Council of the Association, the membership certificate will be awarded to the applicant, and the applicant will obtain the membership.
Article 22 Members shall enjoy the following rights: (1) Attend the general meeting of members and exercise the right of deliberation, voting, voting and being elected;
(two) to require the association to safeguard its legitimate rights and interests;
(three) to participate in various activities organized by the association and enjoy the services provided by the association;
(four) to reflect opinions and suggestions to the relevant departments through the association;
(five) to supervise the work of the association and have the right to put forward opinions and suggestions;
(six) require the association to keep business secrets for it;
(7) Freedom of voluntary membership and withdrawal;
(eight) other rights stipulated in the resolution of the general assembly.
Article 23 Members shall undertake the following obligations:
(a) abide by the articles of association and various rules and regulations, fulfill the self-discipline convention, and implement the resolutions of the association;
(two) care and support the work of the association, participate in various activities of the association, and safeguard the legitimate rights and interests and reputation of the association;
(3) To undertake various tasks assigned by the Association, accept inquiries and investigations related to the Association, and provide relevant information required by the Association;
(four) to pay membership fees in accordance with the provisions;
(5) Other obligations stipulated in the resolution of the general meeting of members.
Article 24 A member shall designate a legal representative to attend the general meeting of members. If the legal representative is unable to attend for some reason, he may entrust other principal responsible persons to attend.
Article 25 The Association shall compile a unified membership list. When the items in the member list change, the member unit shall notify the Association in writing within 15 days, so as to record the corresponding changes.
Article 26 If a member fails to participate in the activities organized by the Association or fails to pay the membership fee within one year, it shall be deemed to have voluntarily withdrawn from the Association after confirmation by the secretariat of the Association, and the member units shall be informed by the secretariat.
Article 27 Membership shall be terminated under any of the following circumstances:
Automatic withdrawal;
(2) voluntarily withdrawing from the meeting;
(3) Being disqualified from membership in violation of the articles of association;
(4) The legal person qualification is terminated according to law.
Twenty-eighth members who voluntarily withdraw from the meeting shall submit a written application to the secretariat of the association three months in advance, and go through the withdrawal procedures after being reviewed and approved by the Council of the association.
Twenty-ninth members in violation of the articles of association and the industry self-discipline system, the association may give the following sanctions according to the seriousness of the case:
(1) warning;
(2) informed criticism;
(3) Suspension of membership rights 1-6 months;
(4) cancel membership.
Members who have been punished above have the right to apply to the Council for reconsideration, or they can directly apply to the general meeting for a ruling. After receiving the application for reconsideration, the Council shall make a reply. If the member is not satisfied with the reply, he can apply to the general meeting for a ruling. The decision of the shareholders' meeting is final.
Chapter IV Organizational Structure
Article 30 The highest authority of the association is the general meeting of members. The general meeting of members consists of all members, and each member has one vote.
Article 31 The general meeting of members shall exercise the following duties:
(a) to formulate and amend the articles of association;
(2) To examine and approve the work reports of the Board of Directors and the Board of Supervisors and the financial revenue and expenditure reports of the Association;
(three) to review and approve the work plan of the association;
(four) to elect and recall the directors and supervisors of the association;
(five) to elect and recall the president, vice president and supervisor;
(six) to consider the decision to cancel the membership;
(seven) to consider and adopt the payment standard of membership fees;
(8) Deciding to terminate;
(nine) other matters that need to be considered and decided by the General Assembly.
Article 32 The general meeting of members shall be held once a year and once every two years. Upon the proposal of the board of directors or more than one third of the members, an extraordinary general meeting of shareholders may be convened. The extraordinary general meeting of shareholders shall not study matters other than the proposed topics.
Article 33 A general meeting of members shall be held only when more than two thirds of the members are present. The resolution made by the general meeting of members shall be valid only if it is passed by more than half of the members present. Under special circumstances, the shareholders' meeting may vote on the proposal by means of communication voting.
Article 34 The Association shall have a Council. The Council is the executive body of the General Assembly and is responsible to it. The board of directors is responsible for leading the association to carry out its daily work when the general meeting is not in session.
The Council consists of member directors and non-member directors. The member director shall be the legal representative of the member director unit elected by the general meeting of members. Non-member directors are recommended by the competent department and must be elected by the general meeting of members.
The Association has several directors, each with a term of two years. Upon expiration of the term of office, a director may not be re-elected. If a member director leaves his post during his term of office, his subordinate unit shall notify the Association, and the successor will automatically take over the position of principle of the Association, and the Association will announce all member units.
Article 35 The Council shall perform the following duties:
(1) To be responsible for convening the general meeting of members and reporting the work and financial revenue and expenditure to the general meeting of members;
(2) Electing and dismissing executive directors;
(three) to implement the resolutions of the general assembly;
(four) supervise the members to abide by the articles of association and the industry self-discipline system, and punish the members who violate the articles of association and the industry self-discipline system. Among them, the punishment for canceling membership shall be reported to the shareholders' meeting for decision;
(five) to formulate the annual work plan and financial budget and final accounts of the Association;
(6) Examining and approving membership applications of members;
(seven) to examine and approve the voluntary withdrawal of members;
(eight) the examination and approval of industry self-discipline system;
(nine) to examine and approve the establishment of branches and internal institutions of the Association;
(10) To appoint and remove the Secretary-General of the Association;
(eleven) to examine and approve the appointment of the Deputy Secretary General of the Association;
(twelve) to examine and approve the appointment of the directors of various professional committees and the principal responsible persons of various institutions;
(thirteen) proposed to convene an interim general meeting of members;
(fourteen) to examine and approve the important rules and regulations of the association;
(fifteen) other major issues that need to be considered by the Council.
Article 36 The Council meeting shall be held at least once every six months. An interim meeting of the board of directors may be convened upon the proposal of the chairman or more than one third of the directors. Upon the proposal of the board of supervisors, an interim meeting of the board of directors may also be convened. Special circumstances can be held by means of communication. The meeting of the Council shall be convened and presided over by the President; When the President is unable to perform his duties due to special reasons, the President shall entrust the Vice President or the Secretary General to convene and preside over the meeting.
Article 37 A meeting of the board of directors can only be held when more than two thirds of the directors are present. The resolution made at the meeting of the board of directors shall be valid only if it is approved by more than two-thirds of the directors present at the meeting.
Article 38 When the number of the board of directors exceeds 30, the managing director shall be elected from among the directors as required, and a standing council shall be established, and the standing council shall be responsible to the board of directors. When the Council is not in session, the Standing Council shall perform its duties. The Secretary-General and the Chairman of the Board of Supervisors attended the meeting of the Standing Council.
Article 39 In principle, the meeting of the Council shall be held once every quarter, at least once every six months. Upon the proposal of the president or more than one third of the executive directors, an interim executive director meeting may be convened. Special circumstances can be held by means of communication.
Fortieth meeting of the Standing Council can only be held when more than two thirds of the members of the Standing Council are present. Resolutions made by the Standing Council shall take effect only if they are adopted by more than two-thirds of the members of the Standing Council present at the meeting.
Article 41 The Association shall have a board of supervisors, consisting of a chairman and several supervisors. A director shall not concurrently serve as a supervisor, and the supervisor shall be elected by the general meeting for a term of two years. In principle, they cannot be re-elected. The chairman of the board of supervisors shall be the legal representative of the unit to which he belongs.
Article 42 The Board of Supervisors shall perform the following duties:
(a) report to the general assembly;
(2) Attend board meetings as nonvoting delegates;
(three) to supervise the collection of membership dues and the implementation of financial budget and final accounts;
(four) to supervise the various business activities of the Association;
(five) to supervise members to fulfill their obligations as members;
(six) responsible for organizing the investigation and evidence collection of complaints from members, and may also entrust the secretariat to handle them;
(seven) the supervision association shall carry out its work in accordance with the articles of association;
(8) Proposing to convene an interim meeting of the Council.
Article 43 The Association shall hire consultants according to the needs of the municipal government to promote the development of Internet finance.
The consultant is responsible for organizing and coordinating major issues such as Internet finance development strategy, industrial policies, industry standards, and supervision mode; Responsible for organizing and coordinating major issues such as general election and personnel changes of the Association; Responsible for guiding the work of the secretariat of the association and providing guidance and suggestions for the daily work and major decision-making issues of the association.
Consultants are appointed by the Association and reported to the Municipal Finance Office for the record.
Forty-fourth according to the needs of the work, the association may set up a number of professional committees upon the proposal of the secretariat, consideration and approval by the Council and approval by the registration authority.
Article 45 The Association shall have a secretariat, which is the daily office of the Association.
The secretariat may set up several internal working bodies according to the needs of its work. Deploy capable personnel by means of member units stationed and external employment, and gradually realize youthfulness, professionalism and specialization. If the work requires, the unit where the president, vice president and director of the professional committee work should send staff to the secretariat after active consultation. Full-time staff stationed by member units shall enjoy legitimate rights and interests in the appointed units according to law. The secretariat of the Association conducts post assessment on the full-time staff stationed by member units, and the appointing unit shall take their work performance in the secretariat of the Association as an important reference when arranging the positions and salaries of its dispatched personnel. In terms of salary and promotion, it is equivalent to similar personnel in this unit.
Article 46 The president, vice-president and supervisor of this Association shall be elected by the general meeting of members, and shall be reported to Shenzhen Civil Affairs Bureau for registration and filing after being examined and approved by Shenzhen Financial Office.
Article 47 The Association shall have a president, a vice-president and a supervisor. The term of office of the president, vice-president and supervisor is two years, and the president is held by the directors in turn. In principle, he will not be re-elected. If it is necessary to extend the term of office due to special circumstances, it shall be approved by more than 2/3 of the general meeting of members, approved by the Municipal Finance Office, and agreed by the registration and management authority of the association.
Article 46 The president is the legal representative of the Association and performs the following duties:
(1) Presiding over the meetings of the General Assembly, the Council and the Standing Council;
(two) to check the implementation of the resolutions of the general assembly, the Council and the Standing Council;
(3) Signing resolutions of the Association and relevant important documents;
(4) Organizing and leading the major work of the Association.
The vice president assists the president in his work. If the president is unable to perform his duties for some reason, he may appoint a vice president to perform his duties on his behalf.
Article 48 The chairman of the board of supervisors shall perform the following duties:
(1) Presiding over meetings of the board of supervisors;
(2) Attending meetings of the Standing Council;
(3) Presiding over the work of the Board of Supervisors.
Article 49 The Association shall have a full-time secretary-general, whose term of office shall be two years, and he shall not be re-elected.
The Secretary-General shall be nominated and recommended by the President and Vice-President, appointed by the Board of Directors after discussion and study, and registered and put on record by Shenzhen Civil Affairs Bureau after being approved by Shenzhen Financial Office.
The association has several deputy secretaries-general. The Deputy Secretary-General shall be nominated by the Secretary-General and appointed or dismissed by the Association after being approved by the Municipal Finance Office.
Article 50 The Secretary-General shall perform the following duties:
(a) to preside over the daily work of the Secretariat and organize the implementation of the annual work plan;
(2) Coordinating the work of internal organs;
(3) Nominating and appointing the principal responsible persons of various departments of the Secretariat, which shall be implemented after being approved by the Standing Council;
(four) put forward the employment list of the secretariat staff, and report it to the Standing Council for approval before implementation;
(5) Handle other daily affairs.
Article 51 The president, vice president, supervisor and secretary general shall meet the following requirements:
(a) in line with the Shenzhen Municipal Civil Affairs Bureau on the qualifications of the main person in charge of mass organizations;
(2) It has great influence and high popularity in the Internet finance industry;
(3) Having held corresponding leadership positions in well-known financial institutions or Internet companies and other related units;
(four) love the work of the association;
(5) The maximum age of the president, vice-president and secretary-general shall not exceed 70.
(6) Being in good health and having full capacity for civil conduct;
(seven) other conditions required by the general assembly.
Article 52 The general staff of the secretariat of the Association (including the principal responsible person of the department) may be dismissed in advance if they violate the law or discipline or damage the interests of the industry during their work. If the leaders of the Secretariat violate the law or discipline or damage the interests of the industry during their tenure, they may be dismissed in advance after study by the Council, and the Council will appoint temporary acting leaders or re-elect in advance.
Article 53 Shenzhen Financial Office provides professional guidance to the general meeting, board of directors, standing council and other meetings of the Association, and sends personnel to attend the meetings as nonvoting delegates.
Article 54 When a member unit violates the law and discipline, damages the interests of the industry and the reputation of the association, or faces the risk of bankruptcy, which will cause adverse social impact, or is placed on file for investigation by the public security organ and punished by the regulatory authorities or administrative organs. Depending on the seriousness of the case, the Council will terminate its membership or association membership and report to the Municipal Finance Office for approval.
Chapter V Asset Management
Article 54 The main sources of funds of the Association are:
(1) membership fees;
(2) donation;
(3) Income from activities or services provided within the approved business scope;
(four) income from government subsidies or government subsidies;
(5) Other lawful income.
Article 55 The collection of membership fees of the Association shall be based on the budget system, that is, the annual budget shall be prepared according to the needs of the Association's business work and development, and shall be implemented after being reviewed and approved by the general meeting of members and reported to the Municipal Finance Office for approval.
Fifty-sixth large-scale activities outside the annual work plan may be temporarily exempted from collecting funds or special expenses by resolution of the Council.
Article 57 The funds of the association shall be used for the business stipulated in the articles of association and the construction of the association itself, and shall not be distributed among members.
Article 58 The assets donated and subsidized by this Association shall be used according to the requirements of donors and sponsors, and the use shall be reported. Shall not be assessed in any form or in disguised form. Donors, sponsors or units, members and supervisors have the right to inquire about the use and management of donated property from the Association and put forward opinions and suggestions. The association shall truthfully answer the inquiries of donors, sponsors or units, members and supervisors.
Article 59 An association shall establish a standardized financial management system to ensure the legality, truthfulness, accuracy and completeness of accounting data, and employ professional institutions to audit financial revenue and expenditure every year.
Article 60 An association shall be equipped with accountants with professional qualifications. Accounting personnel shall not concurrently serve as cashiers. Accounting personnel shall conduct accurate accounting and exercise accounting supervision. When an accountant transfers his job or leaves his post, he shall go through the handover procedures with the recipient.
Article 61 The asset management of the Association shall implement the financial management system stipulated by the state, and accept the supervision of the general meeting of members, the board of supervisors and the municipal financial office, finance and auditing departments.
Article 62 When changing its legal representative, the Association shall accept the business guidance and financial audit organized by Shenzhen Financial Office and Shenzhen Civil Affairs Bureau.
Article 63 No unit or individual may occupy, privately divide or misappropriate the assets of the Association.
Article 64 The wages, insurance and welfare benefits of the staff of the Association shall be implemented with reference to the relevant provisions of the state.
Article 65 The financial accounting of Shenzhen Internet Finance Association, Shenzhen Online Lending Industry Association and Shenzhen Crowdfunding Association is independent, and the membership fees are used as a whole.
Chapter VI Termination and Property Disposal
Article 66 If the Association terminates or disbands itself, or needs to be cancelled due to division or merger, the board of directors shall propose a termination motion.
Article 67 The motion to terminate the association must be voted by the general meeting of members and submitted to Shenzhen Financial Office for approval.
Article 68 Before the termination of the Association, a liquidation organization shall be established under the guidance of Shenzhen Financial Office and relevant departments to clear up the creditor's rights and debts and deal with the aftermath. During the liquidation period, no activities other than liquidation shall be carried out.
Article 69 The Association shall be terminated after the cancellation of registration by Shenzhen Civil Affairs Bureau.
Article 70 Under the supervision of Shenzhen Financial Office and Shenzhen Civil Affairs Bureau, the remaining property after the termination of this Association shall be used for the development of undertakings related to the purpose of this Association in accordance with relevant state regulations.
Chapter VII Supplementary Provisions
Article 71 The Articles of Association shall be deliberated and voted by the general meeting of members.
Article 72 The Council of the Association shall be responsible for the interpretation of these Articles of Association.
Article 73 The amendment of the Articles of Association shall be submitted to the general meeting within 15 days after the board of directors deliberates and approves, the competent department deliberates and agrees, and the Shenzhen Civil Affairs Bureau approves.
Article 74 The Articles of Association shall come into force as of the date of approval by the registration authority of associations.