2025Annual P2P online loan platform registration application conditions and procedures

2025Annual P2P online lending platform filing

Application conditions

and process one、Registration conditions for online lending information intermediaries

1. Set up a risk control and compliance department，Have risk management capabilities to carry out online lending information intermediary services。
2. Have independent sales supervision and complaint handling departments。
3. Established a network security protection management system，Implement tamper resistance、Anti-intrusion、Network security protection technical measures such as data encryption and disaster recovery；In principle, the software and hardware equipment and system data of the information system should be stored within the administrative jurisdiction of Shenzhen City；The data management department should be located within the administrative jurisdiction of Shenzhen City，and be able to comply with regulatory authorities

Require

，Provide technical interfaces for business system data。

1. The registration place of online lending information intermediaries shall not be residential land；The business address and registered address should be consistent，If there is any inconsistency, the registered address should be changed to the place of business.；The area of ​​the business premises should be no less than 100 square meters。
2. The main online fund settlement account (including the special account for online lending funds) shall be opened by a lending information intermediary at a branch of a commercial bank within the administrative jurisdiction of Shenzhen City.。
3. Reach fund depository arrangements with commercial banks that have branches or above (inclusive) within the administrative jurisdiction of Shenzhen City。
4. Engaged in financial industry related work for more than 5 years，And there are no less than 3 senior managers with bachelor’s degree or above (inclusive).。
5. law、regulations、Other conditions specified in regulations and related documents。

two、Online lending institutions that do not register before February 5, 2025 will not be accepted and filed. According to the "Notice on Further Rectifying Matters Related to the City's Online Lending Information Intermediaries" issued by the Finance Office of the Shenzhen Municipal Government on January 19, 2025 (hereinafter referred to as the "Notice")：Registered in the administrative district of Shenzhen City、P2P companies that did not receive on-site inspection notice in the early stage，Application for registration rectification should be made to the financial work department of the district where the registration is located before February 5, 2025.，P2P companies that have not applied for registration within the time limit will not be included in this on-site inspection.，All districts may refuse to accept P2P enterprises that have not reported overdue for rectification acceptance and filing registration.。

Notification highlights，P2P companies that have conducted on-site inspections in the early stage should complete the resolution of illegal existing businesses before June 30, 2025.，P2P enterprises that have not completed the corresponding existing business will not be registered.。For those who have not passed this rectification acceptance before June 30, 2025，Unable to complete registration，However, institutions that are still actually engaged in online lending business，The Municipal Rectification Office will coordinate with various functional departments to deal with them in accordance with relevant regulations.。

three、Filing process

1. Modify business scope；
2. Submit application materials；
3. District government conducts substantive review；
4. Website announcement；
5. Submit to the Municipal Finance Office；
6. Shenzhen Finance Office handles registration and filing。
7. Apply for ICP business license
8. Bank Fund Depository Attention：
9. 24An online lending information intermediary institution that has been established and carried out business activities recently，A value-added telecommunications business license should be obtained within 6 months after completing the filing and registration.、Realize bank fund depository。

Four、Data Statistics According to incomplete statistics from online lending eyes，As of January 4, 2025，The number of operating online lending platforms in Shenzhen is 305，Among them, 242 platforms published cumulative transaction volume data.，total

1. 43trillions。in，There are 29 platforms with a cumulative transaction volume of more than 10 billion.，Total turnover
2. 11trillions，Accounting for the total transaction volume of 242 platforms
3. 62%。

This also means，About 10% of the platforms in Shenzhen account for nearly 80% of the transaction volume。at present，The number of platforms in Shenzhen that has been connected to the bank depository system is 138，Another 50 platforms have signed fund bank depository agreements with banks，A total of 188 platforms。

but，Among them, 76 depository banks that have launched the platform or have signed contracts do not meet the requirements for localization of bank depository.

Require

，Accounting for 40.43% of the total number of online or contracted depository platforms，These platforms face the dilemma of changing depository banks。Remove items that are not in compliance with the localization of storage

Require

platform，Only 112 companies in Shenzhen (online and signed) comply with regulatory requirements，Accounting for 36.72% of the total number of operating platforms。

at present，A total of 18 platforms have obtained value-added telecommunications business licenses。 in addition，According to statistics from online lending eyes，Shenzhen area

1. 2427 platforms have been established since then，accounting for the total
2. 1%，This means，These 27 platforms may not be able to obtain registration during this rectification process。 *Learn more，Welcome to leave a message at the bottom to communicate, learn and discuss with Tanglang Xiaozhu。

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