Port communication银监会向各家银行下发了《网络借贷资金存管业务指引（征求意见稿）》（以下简称“征求意见稿”），While causing heated discussions within the industry,，It also promotes the development of online loan platforms in the direction of compliance.。《指引》第二章第七条规定，Online lending platforms must meet five conditions if they want to access custody.，One of them is "Have an ICP license"，这或成为了网贷平台发展的一个分水岭。
据互商业资讯不完全统计 在156家网贷平台中，获得ICP经营许可证平台只有49家，占上述总数三成。
根据2025年12月28日发布的《网络借贷信息中介机构业务活动管理暂行办法（征求意见稿）》相关规定，网络借贷信息中介机构在领取营业执照后，携带相关材料向工商登记注册地地方金融监管部门备案登记，还应当依法向通信主管部门履行网站备案手续，涉及经营性电信业务的，You should apply for the corresponding telecommunications business license in accordance with the relevant regulations of the communications department.，Failure to apply for a telecommunications business license as required，No online lending information intermediary business is allowed。
besides，《互联网信息服务处理管理办法》规定，“未取得经营许可证，Engaging in commercial Internet information services without authorization，or providing services beyond the permitted items，by province、autonomous region、Municipal telecommunications management agencies ordered to make corrections within a time limit，Having illegal gains，Confiscation of illegal gains，A fine of not less than 3 times but not more than 5 times of the illegal income shall be imposed；There is no illegal income or the illegal income is less than 50,000 yuan，A fine of not less than RMB 100,000 but not more than RMB 1 million is imposed.；Serious circumstances，Order to shut down website。
"visible，ICP许可证是网贷平台运营下去的必要条件。
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