深圳的网贷监管办法出台后对属地化要求引发热议

at present，深圳是中国网贷市场的“重镇”，拥有约300家网贷平台，贷款余额在1500亿元以上，占全国的约15%，因此备受关注。相比之前各地的监管办法，“属地化”管理的

Require

，是此次《意见稿》的一大特点，概况而言，即“本地注册、本地运营、本地存管”。this one

Require

，在深圳网贷圈里迅速炸开了锅。

《意见稿》中，Online lending information intermediaries apply for filing and registration，The following conditions should be met：

1. Set up a risk control and compliance department，Have risk management capabilities to carry out online lending information intermediary services。
2. Have independent sales supervision and complaint handling departments。
3. 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

Require

，Provide technical interfaces for business system data。

1. 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。
2. 网络借贷信息中介机构的主要资金结算账户（包括网络借贷资金专用账户）应当开设在商业银行在深圳市行政辖区内的分支机构。
3. Reach fund depository arrangements with commercial banks that have branches or above (inclusive) within the administrative jurisdiction of Shenzhen City。
4. Engaged in financial industry related work for more than 5 years，And there are no less than 3 senior managers with bachelor’s degree or above (inclusive).。
5. law、regulations、Other conditions specified in regulations and related documents。 深圳网贷备案的细则，预示着各方面的“属地化”，将成为监管的基本

Require

。

相比广东和上海的相关细则及征求意见稿，此次深圳的《意见稿》有一些地方更加严格。 one、经营和注册地应当一致 《意见稿》明确提出，“网络借贷信息中介机构注册地不得为居住用地；The business address and registered address should be consistent，不一致的应将注册地址变更为经营所在地”。

在深圳的P2P平台，不少是注册在深圳前海，但办公则在其他地方，这些平台，或将受到影响。“上海的监管细则征求意见稿也规定，平台实际经营地应当与住所相同。一般理解，公司的住所地，也即主要办事机构所在地。

” 不过，在信融财富副总裁吕良看来，存管属地化的

Require

，确保了监管机构可以及时对平台资金实施监管，便于从政策上保障投资者的资金安全。

two、数据存放“属地化” 值得关注的是，《意见稿》还提出了数据存放“属地化”，深圳P2P平台申请备案登记，须满足“信息系统的软硬件设备及系统数据原则上应当存放在深圳市行政辖区内；The data management department should be located within the administrative jurisdiction of Shenzhen City，and be able to comply with regulatory authorities

Require

，提供业务系统数据的技术接口”。

three、存管银行属地化 《意见稿》第九条提出，“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.。”而在备受关注的存管银行属地化方面，则明确

Require

：“与在深圳市行政辖区内设有分行以上(Contains)级别机构的商业银行达成资金存管安排”。

空中金融CEO赖效纲认为，深圳《意见稿》将银行存管属地化的

Require

，提到了一个空前的高度。in his opinion，该政策是目前下发的所有地方互金政策中，为严苛的。从深圳的数据来看，很多平台为适应监管将需要作出调整。for example，约80%的深圳平台注册地与经营地不一致，44%已签订银行存管协议的平台，存管银行在深圳没有分行。

深圳此番再提银行存管“属地化”管理，无疑是监管层深思熟虑之后结果。“所有的决定都是基于保障投资者及老百姓的资金安全。”深圳金融办相关负责人指出。

此次《意见稿》是深圳网贷监管层梳理非法集资风险点和总结互金整治的经验后的理性结果，深圳网贷平台将正式进入监而有管，备案而查的机制中，良币驱逐劣币的进程，将会加速。but，此次《意见稿》并非终定稿，有关单位和各界人士可在2025年7月19日前，通过信函或电子邮件方式，向深圳市金融办提交修改意见。

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