Port communicationConditions for registering for Internet finance and
Require
Conditions for registering for Internet finance and
Require
， Please contact the professional agency Shenzhen Gangxintong-Business Information Co., Ltd.! The scale of my country’s Internet financial business has grown at an alarming rate in recent years.，Form an important supplement to the traditional banking service market，It also greatly enriched the financial market system。
Recently，Ant Financial is established，Legend Holdings announces investment in Yilong Loan；Baoshang Bank launches "Xiao Ma Bank"，China Merchants Bank[-0.75% Funding Research Report]"Small Business e-Home"，They all also have obvious P2P functions.。Especially at last week’s first World Internet Conference (Wuzhen Summit)，Many experts have brought the discussion of Internet finance to a climax。But every coin has two sides。
In the rapid development of Internet finance，There are also serious gaps between good and bad、A mixed bag，Especially the P2P running incidents that have become more and more intense this year，It has had a considerable impact on my country’s financial industry.。
Yu'E Bao、"Mr. Qian's" 11.11% high financial management products、The emergence of a series of cross-border products such as Duoying Financial’s “One Yuan Group Purchase” high-yield financial products，While arousing high enthusiasm from investors,，also to the regulatory system、The current financial legal system poses difficult challenges。How to respect the development rules of Internet financial business on the basis of，Ensure investment safety，It has become an urgent issue facing the construction of financial supervision system and financial legal system.。
at present，my country's Internet financial development model mainly includes Internet payment、P2P online lending、Crowdfunding、Online sales fund、Financial institution innovation platform, etc.。In various Internet financial businesses，Internet payment business has maintained rapid development momentum，And has been included in the central bank’s payment system supervision，Become the most mature business type of Internet finance。
As of the end of the third quarter，Among the 269 licensed third-party payment institutions，There are 103 companies providing Internet payment services.。P2P online lending develops more rapidly，As of the end of the first half，There are more than 1,184 P2P online lending platforms nationwide.，Lending transaction volume was 96.5 billion yuan，An increase of 60.6% over the same period last year。
Crowdfunding is another important mode of Internet financing，This is a financing process where financiers use the Internet platform to pool a small amount of funds from many people.、Fund raising to support a project or product。Today there are about 21 crowdfunding financing platforms in my country。 Due to lagging legislation and regulation，Internet financial risks continue to accumulate，The large-scale development of Internet finance in my country has accumulated many potential problems.。
for example：Lack of clear regulatory laws；Unclear division of labor among regulatory agencies；illegal fund raising、Cyber crime and money laundering incidents continue to emerge；The protection of financial consumers’ rights and interests clearly faces challenges；Lack of construction of Internet financial credit reporting system；etc.。
In developed countries such as Europe and the United States，Legislation for Internet financial supervision has been significantly strengthened in recent years.，Attach great importance to the protection of financial consumers’ rights and interests，Clarified regulatory agencies for Internet finance，Highlight the conduct supervision of Internet finance，Greatly reduces the probability of major risks occurring。
For example, in the P2P online lending field where risk events are prone to occur,，U.S. troops deployed，The Truth in Lending Act has been enacted、Equal Credit Opportunity Act、The Fair Credit Reporting Act and more than a dozen bills，and is expressly regulated by the U.S. Securities and Exchange Commission。The United Kingdom, the United States, and France all attach great importance to information disclosure in the P2P industry.，To this end, a strict information disclosure system has been established。
It is reported that，The central bank is taking the lead in formulating guidance on promoting the healthy development of my country’s Internet finance，Hope it will be officially promulgated as soon as possible。
What the author wants to say is，Learn from developed economies，Supervision ideas in the era of Internet finance in my country，Efforts should be made to reflect openness、inclusive、Adaptability，Reserve certain space for financial innovation，Encourage and regulate simultaneously，Cultivation and risk prevention coexist，Accelerate the improvement of the legal system for Internet financial supervision，Provide a complete legal basis for supervision。
After clarifying the main body of Internet financial supervision，Systematically sort out the business attributes of various Internet financial institutions，Identify the appropriate regulatory agency，Maintain a good external competitive environment。
in legislation，For Internet financial networking、electronic、Characteristics of inclusiveness，Research and formulation of the "Electronic Contract Law" should be accelerated、"Electronic Money Services Act" etc.；Regarding the protection of personal information on the Internet，Accelerate the formulation of the "Personal Information Protection Law"；Illegal operations and prohibited behaviors for Internet finance，and credit system construction、electronic signature、customer identification、Specific rules will be introduced for identity verification and other aspects.，Introduce targeted Internet financial regulatory regulations；at the same time，Timely amend and adjust the "Commercial Banking Law"、Securities Law、Negotiable Instruments Law、"Guarantee Law"，To adapt to the current situation of rapid development of Internet finance。
Upgrade the legal status of the "Measures for the Administration of Payment Services of Non-Financial Institutions" as soon as possible。 For internet payment、Third party payment、Internet virtual currency，Make it clear that the central bank assumes the main regulatory responsibility。Funds derived from payment institutions、Insurance、Financial product sales function，The central bank should cooperate with the China Securities Regulatory Commission、Together with the China Insurance Regulatory Commission，Form a behavioral supervision system for payment institutions。P2P has been clearly regulated by the China Banking Regulatory Commission。Crowdfunding is equity financing，Should be regulated by the Securities Regulatory Commission。
For Internet financial companies whose business scope covers multiple fields，the central bank and banks should be strengthened、certificate、Financial regulatory coordination to ensure。Clarify the main regulatory agency according to the main business，Establish a regulatory body as the main body，A regulatory system supplemented by relevant departments。
besides，On the basis of formulating a special "Financial Consumer Rights and Interests Protection Law"，Add content related to the protection of Internet financial consumer rights and interests，For Internet financial products、Provisions on cross-border products and their derivatives，Clarify the right to know that Internet financial consumers have、fair dealing rights、Basic rights such as property security and personal information protection。
In the process of strengthening coordination and communication among the four financial consumer protection agencies of “one bank and three committees”，Establish a unified financial consumer protection bureau。To strengthen the ability of Internet financial institutions to manage risks and prevent fraud，Effectively integrate mature P2P and crowdfunding into the central bank’s credit management system，Strengthen its credit risk management，Significantly reduce public investment and financing costs，Realize true financial inclusion。
Use big data and other technological means to monitor the behavior of Internet financial companies，Timely warning of related risks。
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