Third-party payment license: based on the Management Measures for Payment Services of Non-financial Institutions issued by the Central Bank on June 4, 20 10. The official name of the license is the Payment Business License, which is issued and managed by the central bank.

Internet fund sales license: The Internet fund sales license is based on the Interim Provisions on the Business Management of Securities Investment Fund Sales Institutions through Third Party E-commerce Platforms and the Measures for the Management of Securities Investment Fund Sales issued by the CSRC on March 5, 20 13. There are two kinds of license plates. One is that internet companies sell funds in their own names, and they must obtain the qualification of fund sales business through licensing. The other is that internet companies provide auxiliary services for the sales business of fund sales institutions, and the platform is filed in accordance with the regulations of the CSRC.

Internet insurance license: Based on the Interim Measures for the Supervision of Internet Insurance Business issued by CIRC on July 22, 20 15. There are two kinds of Internet insurance licenses. One is that insurance institutions (including insurance companies and insurance professional intermediaries) rely on technologies such as Internet and mobile communication to conclude insurance contracts and provide insurance services through self-operated network platforms. The other is that the third-party network platform provides network technical support and auxiliary services for insurance consumers and insurance institutions in Internet insurance business activities.

Internet Trust License: It was formally put forward for the first time in the Guiding Opinions on Promoting the Healthy Development of Internet Finance issued by the People's Bank of China and other ten departments on July 8, 2005. Internet trust business is supervised by CBRC.

Internet banking license: in essence, it refers to the banking qualification to carry out all or part of the business on the Internet, that is, Internet banks must first obtain a banking license.

Internet consumer finance license: in essence, it is the business qualification of consumer finance companies to carry out some businesses through the Internet, which was formally put forward in the Guiding Opinions on Promoting the Healthy Development of Internet Finance. Consumer finance companies are non-bank financial institutions established in China, which do not absorb public deposits and provide loans for domestic residents for consumption on the principle of small amount and dispersion.

Network micro-loan license: in essence, it refers to the micro-loan business qualification provided by internet companies to customers through their holding micro-loan companies.

At present, neither the government nor the P2P regulatory authorities have issued P2P-related financial licenses. P2P does not need and cannot apply for a responsive financial license. Especially ICP and EDI or B2 1 is uncertain.

To sum up, the P2P industry does not need a license at present, and the future is unknown.