Port communicationWhat is the price of bank custody? P2P bank depository is extended from the capital depository of securities.。in short，It is to manage investors’ funds through banks，platform to manage transactions，Keep funds and transactions separate，Prevent P2P platforms from accessing funds，to avoid the risk of funds being misappropriated。You can consult Shenglian Guorong for specific prices.。
Bank depository for investors，Having a depository bank protects the safety of customers’ funds.，Be legal and compliant，The platform has bank fund depository，Only those who meet the "Interim Measures"
Require
。 So how much does bank deposit cost? Depository in different banks
cost
is different，Hundreds of thousands to millions。
bank depositary
cost
Mainly include：System access fee (annual fee)、System operation service fee、Deposit and withdrawal
cost
wait，also，For P2P platforms，There are also hidden costs，Such as the time cost of system docking development cycle、Depository system experience causes user churn costs、Retraining user operating habits and user migration costs, etc.。
at present，There are three models for bank and online loan platform cooperation in fund custody.，They are bank direct connection、Direct deposit and joint deposit。 Direct bank connection?It refers to the P2P online loan platform opening a payment settlement channel directly with the bank.,Investors do not need to deposit or withdraw funds。When the loan period expires，Repayments are directly transferred to the investor's account through the bank，It is equivalent to the two parties conducting online transactions directly through the bank.。
direct deposit?Compared with the first storage model, this storage model，In terms of form, there are two more steps for recharging and withdrawing money.；There are more platform depository accounts in terms of number of accounts.，If necessary, there is also a risk reserve account，third party guarantee account。Depository banks generally open separate personal accounts for both investors and financing parties and then recharge them.、Supervision of payment settlement and capital flow such as cash withdrawals。
"Bank Payment Company" Joint Depository?In joint custody mode，generally
Require
A third-party payment institution or P2P online loan platform opens a depository account at a depository bank，And complete the recharge according to the relevant instructions issued by the platform、invest、Withdrawal and other functions，The bank regulates the flow of funds。 Which one is supervision?
Require
Compliance depository model?
According to the regulations issued by the China Banking Regulatory Commission on August 24, 2025、Ministry of Industry and Information Technology、Ministry of Public Security、"Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries" jointly announced by the Cyberspace Administration of China
Require
，Internet financial platforms need to be connected with banking financial institutions，Bank custody of platform funds。
The officially issued "Guidelines for Online Lending Fund Depository Business" clearly stipulates that：“The custodian shall perform safety custody responsibilities for the funds in the special account for online lending funds.，You should not outsource or entrust other institutions to open capital accounts as agents.、Transaction information processing、Transaction password verification and other operations”。The introduction of this guideline directly circumvents the feasibility of joint depository between banks and third-party payments.。
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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。
