互联网金融服务公司网贷经营许可及条件

After the China Banking Regulatory Commission issued the "Draft for Comments"，Many people in charge of online loan platforms believe that，At present, most platforms have carried out ICP registration，However, the industry complies with the two basic requirements of local financial regulatory filings and telecommunications value-added business operating licenses.

Require

Only a minority of platforms。

Back on October 24, 2014，China Merchants Loan has been successfully registered at the Guiyang Municipal People’s Financial Affairs Office，And obtained the "Value-Added Telecommunications Business License of the People's Republic of China" on March 21, 2025，Become one of the few Internet financial platforms besides Hongling Venture Capital and other large platforms to have the "Value-Added Telecommunications Business License of the People's Republic of China"，And passed the regular review of Guizhou Provincial Communications Administration last month。

Online lending intermediaries must meet the following conditions for filing:：

1. A company or partnership legally established within the territory of the People's Republic of China，And the business scope of the industrial and commercial business license states that the company is engaged in Internet lending information intermediary services.；
2. Have business premises suitable for business conditions、Information technology infrastructure、Information security facilities and management capabilities、Information Technology Emergency Plans and Facilities，Information system security should pass the evaluation and certification of an advanced third-party information security certification agency；
3. Shareholders holding more than 5% of the company's equity，or partner，or actual controller，Financial condition is good，No bad integrity record，No records of serious violations of laws and regulations in the past three years，and sign a letter of commitment with an online lending intermediary，Commit yourself to abide by the articles of association or articles of association of the enterprise，Properly arrange the management of existing loan contracts and corresponding services when online lending intermediaries go bankrupt.；
4. Senior managers should include relevant personnel with experience in the financial industry and information technology industry；
5. Data system serves the central database standard for the online lending industry，and actually connect to it；
6. Have a sound organizational structure、Internal control and risk management systems as well as legal independent domain names and external websites；
7. Signed a fund custody agreement with an institution qualified for fund custody；
8. Has become a member of the provincial online lending industry self-regulatory organization guided by the provincial people in the place of registration；
9. The banking regulatory agency of the State Council and the provincial people

Require

other conditions。

According to statistics from Wangdaizhijia.com，There were 477 new P2P online lending platforms in my country from January to October this year，Until October 2025，The cumulative number of P2P online lending platforms in my country has increased to 4,335。

Among the more than 4,000 P2P online lending platforms mentioned above,，It is understood，There are only a few online loan platforms such as PPmoeny (Wanhui Financial Management)、Formax Financial Circle has carried out ICP registration (Internet Content Provider) and also obtained the "Internet Information Service Business" and "Value-Added Telecommunications Business Operation License" (referred to as "ICP License") and the "Line Data Processing and Transaction Processing Business" and "Value-Added Telecommunications Business Operation License" (referred to as "EDI License") issued by the communications authorities.，Electronic Data Interchange），A few larger online lending platforms such as Lufax、Yirendai、Renrendai、Hongling Venture Capital、Lili.com、Kaixin loan、Aiqianjin and Touna.com, etc. have carried out ICP registration and obtained ICP licenses.，Most online lending platforms only carry out ICP filing.、No value-added telecommunications business license has been obtained。

Regarding the business qualifications of P2P online lending platforms，There has always been controversy。

With the release of the "Guiding Opinions on Promoting the Healthy Development of Internet Finance" (referred to as the "Guiding Opinions") and the "Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries" (referred to as the "Interim Measures")，and combined with existing regulations on Internet management，The attitude of regulatory authorities towards the business qualifications of P2P online lending platforms is becoming increasingly clear，Right now：The establishment of P2P online lending platforms adopts a management system that requires subsequent filing and registration with the financial regulatory authorities.，There is no need to obtain prior approval or obtain a business license issued by the financial regulatory authorities.，However, P2P online lending platforms engaged in Internet information services and telecommunications businesses must obtain corresponding qualifications in accordance with regulations.。

In domestic practice，Different understandings and practices regarding what business qualifications a P2P online lending platform should obtain，The author will now analyze this based on the existing regulatory regulations on P2P online lending in my country.，To further clarify the operating qualification issues of P2P online lending platforms。

About Hong Kong Xintong

Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。