Port communication7月3日晚间，深圳市金融办公布《深圳市网络借贷信息中介机构备案登记管理办法（征求意见稿）》（下称《深圳市网贷机构备案管理办法意见稿》）。向社会征求意见，并称有关单位和各界人士可在2025年7月19日前，提出意见。
one、银行存管本地化 设置风控、销售监督、投诉受理部门 第九条网络借贷信息中介机构申请备案登记，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
Require
，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
Require
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
Require
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
Require
，The area of the business premises should be no less than 100 square meters。
According to incomplete statistics from Wangdaizhijia Research Center，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。
另据网贷之家研究中心不完全统计，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。
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。
