Port communicationAs a product of financial innovation，Online lending broadens the target group and scope of financial services，Helps provide convenient inclusive financial services to more groups in society。at the same time，Online lending also further enables low-cost small-amount investment and financing activities.、High efficiency、popularization。
By complementing traditional financial institutions、mutual promotion，Online lending institutions are improving the financial system，Improve financial efficiency，Fill the financing gap for small and micro enterprises，Alleviating financing difficulties for small and micro enterprises and meeting private investment needs, etc.，played a positive role。 Online lending information intermediaries apply for filing and registration，The following conditions should be met：(1) Establishing 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 acceptance departments。(3) Establishing 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。
(4) 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。(5) The main fund settlement accounts of online lending information intermediaries (including special accounts for online lending funds) should be opened at branches of commercial banks within the administrative jurisdiction of Shenzhen City。
(6) Reach fund depository arrangements with commercial banks that have branches or above (inclusive) within the administrative jurisdiction of Shenzhen City。(7) 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).。(8) Law、regulations、Other conditions specified in regulations and related documents。
Director of online lending information intermediary institution、Supervisors and senior managers shall not have the following circumstances:：(1) Those with criminal records or serious bad credit records。(2) Companies responsible for 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。
(3) Responsible for having a business license revoked due to violation of laws、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。(4) Removal of directorship by national financial regulatory authorities、Qualifications for supervisors or senior managers，or are prohibited from working in the financial industry for a period that has not yet expired。 How to achieve healthy development in the online lending industry，It is a question that must be considered。
In this regard，Regulatory agencies attach great importance to，and introduced a series of regulatory measures to standardize and adjust。As a product of the development of the financial industry，Management departments should continue to encourage the development of the online lending industry，At the same time, supervision should be strengthened，To achieve compliance、Healthy operation and development。For online loan platforms，Only rational development、Compliance operations，In order to break through development bottlenecks，go better、farther。For details, please consult Hong Kong Xintong-Manager Zhang!
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。
