Port communication自深圳金融办发布备案登记管理办法征求意见稿已近半月，在深网贷平台除了关注存管行属地化以外，更关心的便是合规后备案如何进行？ 一、Online lending information intermediaries apply for filing and registration，The following conditions should be met: (one)Set up a risk control and compliance department，Have risk management capabilities to carry out online lending information intermediary services。 (two)Have independent sales supervision and complaint handling departments。
(three)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
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，Provide technical interfaces for business system data。
(Four)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。 (five)网络借贷信息中介机构的主要资金结算账户(Including special accounts for online lending funds)It should be opened in the branch of a commercial bank within the administrative jurisdiction of Shenzhen City.。
(six)与在深圳市行政辖区内设有分行以上(Contains)Commercial banks of the same level of institutions have reached fund depository arrangements.。 (seven)Engaged in financial industry related work for more than 5 years，并具有大学本科以上(Contains)学历的高级管理人员不少于3名。 (eight)law、regulations、Other conditions specified in regulations and related documents。
It can be seen，网贷机构需要设置风控部门，销售监督和投诉受理部门，这三条
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是有利于投资者的，在风控、投诉、销售三个方面更好的服务投资者。 本地化主要表现在三个方面：注册地和经营地一致、资金结算账户在深圳本市行政辖区的分支构进行、资金存管分行以上(Contains)级别机构的商业银行存管。
深圳征求意见稿备案登记中明确
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与在深圳市行政辖区设有分行以上(Contains)Commercial banks of the same level of institutions have reached fund depository arrangements.。上海征求意见稿中则明确选择在本市设有经营实体且符合相关条件的商业银行进行客户资金存管，In comparison，深圳在银行存管属地方面更加严格。 at the same time，资金结算也需要在深圳本市行政辖区的分支机构进行。
这两条的规定目的是方便监管部门对资金的监督和管理。 深圳在全国首次提出，网贷机构注册地不得为居住用地，平台经营地址和注册地址应当一致，If there is any inconsistency, the registered address should be changed to the place of business.。also，《意见稿》还对网贷机构的面积提出了具体
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，The area of the business premises should be no less than 100 square meters。
According to incomplete statistics，以深圳地区277家平台（运营地深圳）为样本，其中223家注册地区与运营地区不一致，约占80%，此外有54家一致。
截至2025年7月3日，共有50家平台与在深圳未设分行的银行签订直接存管协议（含已完成系统对接并上线的平台），占113家已签协议平台的44%，in，有17家完成直接存管系统对接并上线。 属地化的政策一方面降低异地监管成本，便于统一监管，另一方面对于网贷机构来说，合规成本也会相应增加。
two、联席会议制度 本级协同监管 在意见稿中第三条： Municipal Finance Office、Shenzhen Banking Regulatory Bureau jointly takes the lead，In conjunction with the Municipal Market and Quality Supervision and Administration Commission、Municipal Public Security Bureau、Municipal Communications Administration、Municipal Internet Information Office and other relevant departments，建立市网络借贷监管联席会议(以下简称市联席会议)，Jointly promote the filing and registration of online lending information intermediaries within the jurisdiction。
The Municipal Finance Office is responsible for the institutional supervision of online lending information intermediaries in this city.; The Shenzhen Banking Regulatory Bureau is responsible for the behavioral supervision of online lending information intermediaries in the city.; The Municipal Market and Quality Supervision and Administration Commission is responsible for the commercial registration of online lending information intermediaries in this city.; The Municipal Public Security Bureau is responsible for the safety supervision of the Internet services of online lending information intermediaries in this city.; The Municipal Communications Administration Bureau is responsible for supervising the telecommunications business involved in the business activities of online lending information intermediaries.; The Municipal Cyberspace Administration of China collaborates with relevant departments to review the content of Internet financial information services.、Supervision of online financial information security and other businesses。
各区政府、新区管委会以及前海管理局(以下统称区政府，前海管理局参照区政府职责执行)按权责一致原则,负责本辖区网络借贷中介机构的备案登记实质性审查、监管协助和风险处置工作。区政府应参照市联席会议制度，建立本级协同监管机制，推进备案登记相关工作。
Finance Office、Banking Regulatory Bureau、Municipal Public Security Bureau、Municipal Communications Administration、市网办共建市联席会议分工管理与监督，在权利和职责上分工明确，避免以后监督管理和办理过程中的相互推诿。 three、网贷机构注册必须注明“信息中介” 第六条 新设立的网络借贷信息中介机构应当按
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到商事登记机关申请办理注册登记手续并领取营业执照。
网络借贷信息中介机构可以在公司名称中使用“网络借贷信息中介”字样，The relevant content of “online lending information intermediary services” should be clarified in the business scope。 Four、高管从业条件 第九条 (seven)Engaged in financial industry related work for more than 5 years，并具有大学本科以上(Contains)学历的高级管理人员不少于3名。
第十条网络借贷信息中介机构董事、Supervisors and senior managers shall not have the following circumstances:: (one)有犯罪记录或严重不良信用记录的。 (two)Company in charge of bankruptcy liquidation、corporate director、Supervisors and senior managers，to the company、Personal responsibility for the bankruptcy of a business，Since the company、It has been less than 3 years since the date of completion of enterprise bankruptcy liquidation。
(three)担任因违法被吊销营业执照、Companies ordered to close、Legal representatives and senior managers of enterprises，and bear personal responsibility，Since the company、It has been less than 3 years since the company’s business license was revoked。 (Four)被国家金融监管部门取消董事、Qualifications for supervisors or senior managers，or are prohibited from working in the financial industry for a period that has not yet expired。
高管负面清单的硬性条件是
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具有犯罪记录的、公司破产的、有不良记录的从业人员避免经营网贷机构时非法吸存等情况的发生；at the same time，
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至少3名本科以上(Contains)学历的高级管理人员，也是提高金融机构从业人员的门槛，
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专业的人干专业的事！
five、网贷机构加入深圳市互金协会 第三十一条网络借贷信息中介机构应加入深圳市互联网金融协会，进一步加强自律管理。
深圳市互联网金融协会负责对本市备案的网络借贷信息中介机构实施自律管理，制定自律规则、经营细则和行业标准并组织实施，教育会员遵守法律法规和网络借贷有关监管规定;依法维护会员的合法权益，协调会员关系，组织相关培训，向会员提供行业信息、法律咨询等服务;受理有关投诉和举报，开展自律检查;参与行业仲裁，加强纠纷调解等。
这条规定在法律上明确了深圳市互金协会的地位和作用，对于互金协会以后工作的开展具有很大的意义。具体备案详情可咨询 港信通-张经理！
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