Port communicationP2P行业ICP许可证办理难度为何那么大P2P行业ICP许可证办理难度为何那么大日前，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。据互联网金融新闻中心不完全统计，Up to now，156Home bank fund depository and online loan platform，Only 49 companies have ICP operating licenses，And the vast majority of platforms have only obtained ICP registration.。
Industry insiders said，In addition to having the corresponding qualifications to obtain an ICP license，It is also necessary to obtain pre-approval from local financial regulatory authorities.。
It is understood，申请ICP经营许可证有着非常严格和漫长的审核程序，对于企业资质
Require
very high，例如根据北京市《电信业务经营许可证申办程序》规定，申请经营增值电信业务的机构，除了在最近三年内未发生过重大违法行为外，还要必须在省、autonomous region、直辖市范围内经营，其注册资本限额为100万元人民币以上。
并且要具有可行性研究报告和相关技术方案以及必要的场地和设施等。in addition，在向通信管理局申请ICP证之前，需要获取到金融监管部门的批文。而这一点，在《电信业务经营许可证申办程序》中也有类似的规定。
早在，2011年上海金融信息行业协会就ICP证与上海市通管局进行了多次沟通，并联合金融办与经信委召开了多次协调会议，但通管局以“提供金融服务要地方金融管理部门出具前置审批”为由不予办理。
申请ICP证有着比较严格的审核程序，对于企业的资质
Require
higher，除了例如经营者为依法设立的公司，注册资金大于等于100万等
Require
，还需要有健全的网络与信息安全保障措施，Includes website security measures、Information security and confidentiality management system、用户信息安全管理制度等等。
尚未获得ICP证的平台应按照
Require
，尽量办理ICP证，以保证经营合法合规。
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。
