Port communicationHow many P2P online lending platforms will lose their lending qualifications in six months? P2P online lending in 2025 can be said to be the year of regulation，Then 2025 can be said to be the year of rectification，So how much do you know about the regulations governing Internet loans in 2025??Take a look at Datong Tiancheng's Hong Kong Information Network below - to help you interpret the necessary thresholds for the legalization of P2P online lending platforms in 2025。
policy tabloids：New Regulations on P2P Industry Rectification and Reform The "Notice on Carrying out the Rectification and Acceptance Work of Special Rectification and Acceptance of P2P Online Lending Risks" has made specific provisions on the rectification and acceptance stage of P2P online lending.、Detailed deployment，
Require
All localities will complete the filing and registration of major P2P institutions within their jurisdictions by the end of April 2025.、6All completed before the end of the month。
Among them, the following five principles are clearly stated for P2P platforms:： one、For qualified P2P platforms，be registered，ensure that it can operate normally; two、For platforms that actively cooperated with the rectification and acceptance work but failed in the end，can be based on its specific circumstances，Or guide them to gradually withdraw from the business、Exit the market，Or integrate relevant departments and resources，Take a market approach，Carry out mergers and acquisitions and reorganization; three、For serious failure to cooperate with the rectification and acceptance work，Platforms that have serious violations of laws and regulations and have even been involved in economic investigations or have lost contact with them，should be banned by relevant departments; Four、For evading rectification acceptance，Institutions that have suspended their own business or are not in normal operating conditions，Need to pay great attention to，Such institutions are also required to register as appropriate after resuming operations.; five、For industries with large business balances、greater impact、Organizations operating across regions，A joint verification mechanism will be established by the rectification office of the place where the institution is registered，Solicit relevant opinions from the places where the organization’s business takes place。
policy tabloids：New regulations for P2P industry rectification: It is worth noting that，57The document clearly stated，For new P2P platforms established after August 24, 2025，In principle, filing and registration will not be allowed during this online loan rectification period。Moreover, the "Notice" also clarified that for new P2P platforms established after August 24, 2025，In principle, filing and registration will not be allowed during this online loan rectification period。
besides，The "Notice on Carrying out Special Rectification and Acceptance Work on P2P Online Lending Risks" points out，Except for the limit、Bank depository、Information disclosure and other regulations，P2P online lending platforms must obtain the National Information System Security Level Protection Level 3 Certification(Referred to as ‘Level 3 Guarantee Assessment’)”。
P2P online lending intermediaries shall comply with relevant national network security regulations and the national information security level protection system.
Require
，Carry out information system grading filing and grade testing，Has a complete firewall、Intrusion detection、Network security facilities and management systems such as data encryption and disaster recovery，Establish information technology management、Technology risk management and technology audit related systems，Allocate sufficient resources，Adopt sound management control measures and technical means to ensure the safe and stable operation of information systems，Protect the information security of lenders and borrowers。
If there is no P2P online lending platform or the security level is not up to standard，Security protection and development capabilities should be improved，Ensure that the system can meet the requirements to protect the security of customer funds and information、Information technology security to prevent hacker attacks and system disruptions
Require
。 policy tabloids：New regulations for P2P industry rectification. So some people may not be sure about the security level registration of this website.，Below, Hong Kong Xintong of Datong Tiancheng will explain what the website security level protection levels are.。
first level：User independent protection level，The user unit shall carry out protection in accordance with relevant national management regulations and technical standards.。 Level 2：System audit protection level，The user unit shall carry out protection in accordance with relevant national management regulations and technical standards.。The national information security regulatory department provides guidance on the information security level protection of this level of information systems.。 Level 3：Security mark protection level，The user unit shall carry out protection in accordance with relevant national management regulations and technical standards.。
The national information security regulatory department supervises the information security level protection work of this level of information system、examine。 Level 4：Structured protection level，The user unit shall comply with relevant national management regulations、Technical standards and business-specific needs are protected。The national information security regulatory department conducts mandatory supervision of the information security level protection of this level of information system、examine。
Level 5：Access verification protection level，User units should comply with national management regulations、Technical standards and business-specific security requirements for protection。The state designates specialized departments to specifically supervise the information security level protection work of this level of information systems.、examine。 National information system security level protection is divided into five levels，Level five is the highest，The lowest level，And different levels，The review departments are also different.。
And in the notification，P2P online lending platforms need to obtain level three protection，In other words, P2P online lending platforms need to be evaluated according to the third level standard of national information system security level protection.，That is to say, you need to pass more than 300 tests and the test score is not less than 90 points.，Only in order to obtain the corresponding level protection certificate，Among them, the evaluation of user funds and information security is an important item.。 Want to know more，You can follow "Datong Tiancheng"
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