Port communication8moon，监管层陆续出台了两份关于P2P网贷的监管政策，分别是《网络借贷资金存管业务指引(Draft for comments)》和《网络借贷信息中介机构业务活动管理暂行办法》，两份监管政策均
Require
平台按照通信主管部门的相关规定申请获得相应的电信业务经营许可，这就意味着办理ICP许可证将成为互金平台未来合法开展业务的第一步，而大多数平台可能因为没有该证而无法获得资金存管的业务资质。
It is understood，ICP business license，也叫互联网信息服务业务经营许可证，Belongs to a category of value-added telecommunications services。《互联网信息服务管理办法》就规定从事经营性互联网信息服务，should report to the province、autonomous region、直辖市电信管理机构或者国务院信息产业主管部门申请办理互联网信息服务增值电信业务经营许可证。
而根据规定，Failure to obtain business license，Engaging in commercial Internet information services without authorization，将对其进行没收违法所得、fine，甚至是责令关闭网站的处罚。《电信业务经营许可证管理办法》第6条规定：申请经营性增值ICP电信业务的，The following conditions should be met：(one)The operator is a company established according to law。(two)Have funds and professionals suitable for carrying out business activities。
(three)Have the reputation or ability to provide long-term services to users。(Four)in province、autonomous region、Operating within municipalities directly under the Central Government，The minimum registered capital is RMB 1 million;Nationwide or across provinces、autonomous region、Operating within municipalities directly under the Central Government，The minimum registered capital is RMB 10 million。(five)There is a necessary venue、Facilities and technical solutions。
(six)The company and its main investors and main operating and management personnel have no illegal records of violating the telecommunications supervision and management system within three years.。(seven)Other conditions stipulated by the state。[3]手续和
Require
relatively simple，一般不需要代办。下面所介绍的只针对于ICP经营许可证。
申请ICP许可证需要的材料：Registered capital：100More than 10,000;Have an independent corporate legal person(one)Written application for operating value-added telecommunications services signed by the company’s legal representative。(two)ICP registration form。(three)Copy and copy of the company's corporate legal person business license with the company's official seal。(Four)Company Profile。Include basic information about the company，Persons who intend to engage in value-added telecommunications services、Venue and facilities, etc.。
(five)The company’s financial report or capital verification report audited by an accounting firm in the past year(New companies only provide capital verification reports)。(six)Articles of Association，The company’s equity structure and shareholders’ information。(seven)Engage in journalism，publishing，educate，healthcare，Internet information services such as medicines and medical devices，Approval documents for pre-approval from relevant competent authorities should be submitted.。
(eight)Feasibility report on operating ICP business(Including business services、scope、Business market forecast、Investment benefit analysis、development plan、Project planning and arrangement、Expected service quality、Charging methods and standards)and technical solutions(Contains network overview and structure、Networking method、Technologies and standards for network selection、Equipment configuration, etc.)。(Nine)Measures to provide users with long-term service and quality assurance。
(包括后续资金ICP保障，Technical strength guarantee，Business operation guarantee，Built-in management mode)。(ten)Information security measures。(Includes website security measures，Information security and confidentiality management system，User information security management system)。(eleven)The proof of access to basic telecom operators is the server hosting agreement(Expected service guarantee)。(twelve)A letter of commitment signed by the company’s legal representative for the company to operate telecommunications business in accordance with the law。
(Thirteen)Relevant materials proving the company’s credibility(New applicant companies do not have this item，，To convert from a non-operating company to an operating company, you need to provide)。(fourteen)The website must be logged in for registration(New applicant companies do not have this item，To convert from a non-operating company to an operating company, you need to provide)。电信与信息服务业务经营许可证另外：provinces(municipality)所需材料不相同(具体请查看各省直辖市ICP相关政策)
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