In recent years, Internet technology and information and communication technology have continued to make breakthroughs, promoting the rapid integration of the Internet and finance, promoting financial innovation, and improving the efficiency of financial resource allocation. However, there are also some problems and hidden risks.

In order to fully implement the spirit of the 18th National Congress of the Communist Party of China and the Second, Third, and Fourth Plenary Sessions of the 18th Central Committee of the Communist Party of China, in accordance with the decisions and arrangements of the Party Central Committee and the State Council, and in accordance with the overall policy of "encouraging innovation, guarding against risks, pursuing advantages and avoiding disadvantages, and pursuing healthy development"

It is required to proceed from the overall healthy development of the financial industry, further promote financial reform, innovation and opening up to the outside world, and promote the healthy development of Internet finance. With the approval of the Party Central Committee and the State Council, the following opinions are hereby put forward.

1. Encourage innovation and support the steady development of Internet finance. Internet finance is a new financial business model in which traditional financial institutions and Internet companies (hereinafter collectively referred to as practitioners) use Internet technology and information and communication technology to achieve financial coordination, payment, investment and information intermediary services.

The deep integration of the Internet and finance is a general trend and will have a more profound impact on financial products, businesses, organizations and services.

Internet finance has played a positive role in promoting the development of small and micro enterprises and expanding employment that cannot be replaced by existing financial institutions, opening the door to mass entrepreneurship and innovation.

Promoting the healthy development of Internet finance will help improve the quality and efficiency of financial services, deepen financial reform, promote the development of financial innovation, expand the opening of the financial industry internally and externally, and build a multi-level financial system.

(1) Actively encourage innovation in Internet financial platforms, products and services to stimulate market vitality.

Financial institutions such as banks, securities, insurance, funds, trusts and consumer finance are encouraged to rely on Internet technology to realize the transformation and upgrading of traditional financial businesses and services, and actively develop new products and services based on Internet technology.

Support qualified financial institutions to build innovative Internet platforms to carry out online banking, online securities, online insurance, online fund sales, online consumer finance and other businesses.

Support Internet companies to establish Internet payment institutions, online lending platforms, equity crowdfunding financing platforms, and online financial product sales platforms in accordance with laws and regulations, establish a multi-level financial service system to serve the real economy, and better meet the investment and financing needs of small, medium and micro enterprises and individuals.

, to further expand the breadth and depth of inclusive finance.

E-commerce enterprises are encouraged to build and improve their own online financial service systems in compliance with financial laws and regulations, and effectively expand e-commerce supply chain business.

Encourage practitioners to actively carry out product, service, technology and management innovation to enhance the core competitiveness of practitioners.

(2) Encourage practitioners to cooperate with each other and achieve complementary advantages.

Support various financial institutions to cooperate with Internet companies to establish a good Internet financial ecological environment and industrial chain.

Banking financial institutions are encouraged to carry out business innovation and provide supporting services such as fund depository, payment and clearing for third-party payment institutions and online loan platforms.

Support small and micro financial service institutions to carry out business cooperation with Internet companies to achieve business model innovation.

Support cooperation between securities, funds, trusts, consumer finance, and futures institutions and Internet companies, expand financial product sales channels, and innovate wealth management models.

Encourage insurance companies to cooperate with Internet companies to improve the risk resistance of Internet financial companies.

(3) Expand financing channels for industrial institutions and improve the financing environment.

Support social capital in initiating the establishment of Internet financial industry investment funds, and promote in-depth cooperation between practitioners, venture capital institutions, and industrial investment funds.

Encourage qualified high-quality practitioners to list and raise funds in domestic capital markets such as the Main Board and GEM.

Banking financial institutions are encouraged to support start-up institutions in accordance with various financial policies that support the development of small and micro enterprises.

Innovate financial products and services based on the characteristics of Internet companies.

(4) Adhere to streamlining administration and decentralizing power, and provide quality services.

All financial regulatory authorities must actively support financial institutions in developing Internet financial services.

In accordance with laws and regulations, implement efficient management of relevant financial businesses carried out by qualified Internet companies.

The industrial and commercial administrative departments must support Internet companies in handling industrial and commercial registration in accordance with the law.

The telecommunications authorities and the national Internet information management department must actively support Internet financial services. The telecommunications authorities shall supervise the telecommunications businesses involved in Internet financial services. The national Internet information management authorities shall be responsible for the supervision of financial information services, Internet information content and other businesses.

Actively carry out legislative research in the field of Internet finance, issue relevant management regulations in a timely manner, and create a good institutional environment conducive to the development of Internet finance.

Increase the protection of intellectual property rights such as patents and trademarks of practitioners.

Provincial people's governments are encouraged to increase policy support for Internet finance.

Support the establishment of professional Internet financial research institutions, encourage the construction of Internet financial information exchange platforms, and actively carry out Internet financial research.

(5) Implement and improve relevant fiscal and taxation policies.

In accordance with the principle of tax fairness, business institutions with small business scale and in the start-up stage that meet the conditions of my country's current tax policies for small and medium-sized enterprises, especially small and micro enterprises, can enjoy preferential tax policies in accordance with regulations.

In conjunction with the reform of replacing business tax with value-added tax in the financial industry, we will coordinate and improve Internet financial taxation policies.

Implement the pre-tax super deduction policy for new technology and new product research and development expenses of industrial institutions.

(6) Promote the construction of credit infrastructure and cultivate an Internet financial supporting service system.

Support infrastructure construction in technical fields such as big data storage, network and information security maintenance.