On July 18, the central bank issued the Guiding Opinions on Promoting the Healthy Development of Internet Finance. Personal peer-to-peer lending (P2P peer-to-peer lending) is clearly regulated by CBRC.
In this opinion, firstly, the supervisory responsibility of "one line, three meetings" is clarified, that is, the People's Bank of China is responsible for the supervision and management of Internet payment business; The CBRC is responsible for the supervision and management of person-to-person loans, including person-to-person loans and online micro-loans, as well as Internet trust and Internet consumer finance; The CSRC is responsible for the supervision and management of equity crowdfunding and Internet fund sales; China CIRC is responsible for the supervision and management of Internet insurance. It can be seen that personal peer-to-peer lending (P2P peer-to-peer lending) is clearly regulated by the CBRC.