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我国网贷监管的主体有哪些(p2p网贷平台的运营主体有哪些)

银监会监管的网贷有哪些?

所有贷款均应报中国银行业监督管理委员会监督。事实上,大多数小额网贷都没有列出。

《网络借贷信息中介机构业务活动管理暂行办法》明确了谁是监管主体?

第一章总则

第一条【立法目的和依据】为规范网络借贷信息中介机构的经营活动,保护出借人和关联方的合法权益,促进网络借贷行业健康发展,更好地满足中小微企业和个人的投融资需求,按照《关于促进互联网金融健康发展的指导意见》提出的总体要求和监管原则,按照《民政通《中华人民共和国法》、《中华人民共和国合同法》、《中华人民共和国公司法》等法律法规,本办法。

第二条【适用范围和解释】本办法适用于中国境内的网络借贷信息中介业务活动,法律、法规另有规定的除外。

本办法所称网络借贷,是指个人与个人之间通过互联网平台进行的直接借贷。个人包括自然人、法人和其他组织。网络借贷信息中介机构是指依法设立的专门从事网络借贷信息中介业务活动的金融信息中介企业。该类机构以互联网为主要渠道,为借款人与贷款人(即贷款人)提供信息采集、信息发布、信用评价、信息交互、贷款撮合等服务,实现直接借贷。

本办法所称地方金融监管部门是指承担地方金融监管职责的各省(区、市)人民政府部门。

第三条【基本原则】互联网借贷信息中介机构按照依法、诚信、自愿、公平的原则,为借贷双方提供信息服务,保护借贷双方的合法权益,不得提供信用增级服务。不得设立基金池,不得非法集资,不得损害国家利益和社会公共利益。

借款人和贷款人按照“自愿借款、诚实守信、责任和风险”的原则承担借款风险。网络借贷信息中介机构应当承担客观、真实、全面、及时的信息披露责任,不承担贷款违约风险。

第四条【管理机制】按照“鼓励创新、防范风险、谋利避弊、健康发展”的总体要求和“依法监管、适度监管、分类监管、协同监管”的监管原则、创新监管”,落实各方管理责任。国务院银行业监督管理机构负责制定统一规范的网络借贷信息中介机构业务发展政策措施和监督管理制度,指导地方金融监管部门做好网络借贷监管和引导工作。贷款和风险处理。工业和信息化部负责监督网络借贷信息中介机构经营活动中涉及的电信业务。公安部牵头监督网络借贷信息中介机构经营活动的网络安全,严厉打击网络借贷金融犯罪。国家互联网信息管理办公室负责金融信息服务、互联网信息内容等业务的监管。

地方金融监管部门负责辖区内网络借贷信息中介机构的规范指导、备案管理、风险防范和处置工作,指导辖区内网络借贷行业自律组织工作。

第二章备案管理

第五条【备案登记】网络借贷信息中介机构从事网络借贷信息中介服务的,除分支机构外,应当持相关材料到工商注册地地方金融监督管理机构备案。获得营业执照注册。

地方金融监管部门应当办理网络借贷信息中介机构备案登记。备案登记不构成对组织经营能力、合规水平、信用状况的认可和评价。

地方金融监管部门有权按照本办法和相关监管规则对备案后的机构进行评估和分类p2p个人无抵押小额信贷市场发,并及时在官网公布备案信息和分类结果。

网络借贷信息中介机构还应当依法向通信主管部门办理网站备案手续。涉及商业电信业务的,应当按照通信主管部门的有关规定申请相应的电信业务经营许可证;未按规定申请电信业务经营的。经许可,不得开展网络借贷信息中介业务。

网络借贷信息中介机构注册登记、评价分级等具体规定另行制定。

第六条【机构名称】从事网络借贷信息中介业务的机构年p2p个人无抵押小额信贷市场发,其名称应当包含“网络借贷信息中介机构”字样,但法律、行政法规另有规定的除外。

第七条【备案变更】网络借贷信息中介机构备案事项发生变更的,应当在5个工作日内向工商注册地地方金融监督管理机构报告,并作出备案。备案信息变更。

第八条【备案注销】备案的网络借贷信息中介机构终止网络借贷信息中介服务的,应当在终止业务前5个工作日内书面通知当地金融监管部门,并完成备案和取消。

已注册的网络借贷信息中介机构应当依法解散、撤销或者宣告破产,除依法清算外,工商注册地地方金融监督管理机构应当注销其备案。

第 3 章业务规则与风险管理

第九条【机构义务】网络借贷信息中介机构应当履行以下义务:

(一)根据法律法规和合同约定,为贷款人和借款人提供直接贷款信息收集、整理、筛选、在线发布、信用评估、贷款撮合、融资咨询、在线纠纷解决等相关服务;

(二)对出借人和借款人的资质、信息的真实性、融资项目的真实性和合法性进行必要的审核;

无抵押小额贷款合同_年p2p个人无抵押小额信贷市场发_个人小额抵押

(三)采取防范欺诈措施,发现欺诈或其他损害出借人利益的情况,及时公告并终止相关网络借贷活动;

(四)继续开展网络借贷知识普及和风险教育活动,加强信息公开,引导出借人小规模、分散参与网络借贷,确保出借人充分认识借贷风险;

(五)根据法律法规及网络借贷相关监管规定,需提交相关信息,其中与债权债务相关的网络借贷信息应报送中央数据库备案。网贷行业及时;

(六)妥善保管出借人与借款人的信息和交易信息,不得删除、篡改,不得非法买卖或泄露出借人和借款人的基本信息和交易信息;

(七)依法采取预防和监测措施,建立健全客户身份识别制度、客户身份识别信息和交易记录保存制度、可疑交易报告制度,开展反洗钱和反恐融资工作义务,接受反洗钱监督管理;

(八)配合相关部门做好金融犯罪预防和调查工作;

(九)配合相关部门做好互联网信息内容管理、网络与信息安全相关工作;

(十)国务院银行业监督管理机构和工商注册地省级人民政府规定的其他义务。

网络借贷行业中央数据库管理办法另行制定。

第十条【禁止行为】网络借贷信息中介机构不得从事或受托从事下列活动:

(一)利用机构的互联网平台为自身或相关借款人融资;

(二)直接或间接接受和收取贷款人的资金;

(三)向贷款人提供担保或承诺保证本息;

(四)向非实名注册用户推广或推广融资项目;

(五)发放贷款,法律法规另有规定的除外;

(六)分割融资项目期限;

(七)销售银行理财、经纪资产管理、基金、保险或信托产品;

(八)除法律法规及相关监管规定外,不得与其他机构投资、代理销售、推广、经纪等业务进行任何形式的混合、捆绑、代理;

(九)故意捏造、夸大融资项目的真实性和盈利前景,隐瞒融资项目的缺陷和风险,使用含糊不清的语言或其他欺骗手段进行虚假片面的宣传或宣传,捏造和传播虚假信息或不完整信息损害他人商业信誉,误导借款人或借款人;

(十)为以借贷为目的的股市投资融资提供信息中介服务;

(十一)从事股权众筹、实体众筹等业务;

(Ten二)法律法规、网络借贷法规和规章禁止的其他活动。

第十一条【实名登记】参与网络借贷的出借人、借款人应当为经网络借贷信息中介机构验证的实名注册用户。

第十二条【借款人的义务】借款人应当履行以下义务:

个人小额抵押_年p2p个人无抵押小额信贷市场发_无抵押小额贷款合同

(一)提供真实、准确、完整的用户信息和融资信息;

(二)保证融资项目的真实性和合法性,借款资金按照约定用途使用,不得用于借贷等其他用途;

(三)根据合同约定,贷款人将如实报告影响或可能影响贷款人权益的重大信息;

(四)贷款合同及相关协议规定的其他义务。

第十三条【借款人的禁止行为】借款人不得有下列行为:

(一)欺诈贷款;

(二)同时通过多个网贷信息中介,或通过更改项目名称、对项目内容进行非实质性更改等方式,对同一融资项目进行重复融资;

(三)在网络借贷信息中介机构以外的公共场所发布同一融资项目的信息;

(四)发现网络借贷信息中介机构提供的服务含有本办法第十条所列内容,仍进行交易;

(五)法律法规和网络借贷法规禁止的其他活动。

第十四条【贷款人条件】参与网络借贷的贷款人应具有非保本金融产品投资经验,熟悉互联网。

第十五条【出借人的义务】参与网络借贷的出借人应当履行以下义务:

(一)向网络借贷信息中介提供真实、准确、完整的身份等信息;

(二)借贷资金为自有资金,来源合法;

(三)了解融资项目的信用风险并确认其具有相应的风险意识和承受能力;

(四)自行承担借款产生的本息损失;

(五)贷款合同及相关协议规定的其他义务。

第十六条【网下业务】除征信信息采集、核查、贷后跟踪、抵押品管理等风险管理以及网络借贷相关监管规定明确的某些必要业务环节外,网络借贷信息中介机构应当不得在互联网、固定电话、移动电话和其他电子渠道以外的物理位置开展业务。

第十七条【风险控制】网贷额度要小。网络借贷信息中介机构应根据自身风险管理能力,控制本机构单笔借款上限和同一借款人贷款余额上限,防范信用集中风险。

第十八条【网络与信息安全】网络借贷信息中介机构应当按照国家网络安全相关规定和国家信息安全等级保护制度的要求,开展信息系统分级备案和分级测试,防火墙设置完善,入侵检测、数据加密和灾难恢复等网络安全设施和管理制度,建立信息技术管理、技术风险管理和技术审计相关制度,配置充足资源,采取综合管理控制措施和技术手段,确保网络安全稳定。信息系统的运行,保护贷款人和借款人的信息安全。

网络借贷信息中介机构应当记录并保存借款人与贷款人的在线日志信息和信息交流内容5年;至少每两年进行一次全面的安全评估,并接受国家或行业主管部门的信息安全检查和审计。

网络借贷信息中介机构应当自成立之日起两年内建立或者使用与其业务规模相适应的应用级灾备系统设施。

第十九条【募集期管理】网络借贷信息中介机构应当为单个融资项目设定募集期,最长不超过10个工作日。

第二十条【费用分配】借款人支付的本息归贷款人所有。网络借贷信息中介机构应当与出借人、借款人分别约定收费标准和支付方式。

年p2p个人无抵押小额信贷市场发_个人小额抵押_无抵押小额贷款合同

第二十一条【征信管理】互联网借贷信息中介机构应当加强与金融信用信息基础数据库运营机构、征信机构等的业务合作,依法报告、查询和使用相关金融信用信息。

第二十二条【电子签名】参与网络借贷信息中介机构业务活动的各方当事人需要对出借人、借款人的基本信息和交易信息使用电子签名和电子证明的,应当遵守法律法规的规定确保数据的真实性和完整性以及电子签名和电子认证的法律效力。

使用第三方数字认证系统的网贷信息中介机构应定期对第三方数字认证机构进行评估,确保相关认证安全、可靠、独立。

第二十三条【档案管理】网络借贷信息中介机构应当采用适当的方法和技术,对网络借贷业务活动的数据和信息进行记录、妥善保存,并做好数据备份。保留期限应当符合法律法规和网络借贷相关监管要求的要求。借款合同到期后,至少保留5年。

第二十四条【业务暂停和终止】网络借贷信息中介机构暂停、终止业务的,应当至少提前5个工作日通过官方网站等有效渠道向贷款人、借款人公告。网络借贷信息中介机构暂停或终止业务的,不影响已签订借贷合同的当事人的权利义务。

网络借贷信息中介机构因解散、注销或者破产被终止的,应当在解散、注销或者破产前妥善处理与之匹配的现有借贷业务,并按照有关法律法规的规定办理清算事宜.

【破产隔离】网贷信息中介机构清算时,出借人和借款人的资金分别属于出借人和借款人,不计入清算财产。

第四章放款人和借款人的保护

第二十五条【出借决策】网络借贷信息中介机构不得以任何形式代表出借人做出决策。每个融资项目的贷款决定均由贷款人作出并确认。

第二十六条【风险披露与评估】网络借贷信息中介机构应当以显着的方式提醒贷款人网络借贷风险和禁止性行为,并经贷款人确认。

网络借贷信息中介机构应当对出借人的年龄、健康状况、财务状况、投资经历、风险偏好、风险承受能力等进行尽职调查,不得向未进行风险评估的出借人提供交易服务。

网络借贷信息中介机构应根据风险评估结果对出借人实施分级管理,设置动态可调的借贷限额和借贷目标限制。

第二十七条【客户信息保护】网络借贷信息中介机构应当加强借贷双方信息管理,确保借贷双方信息收集、处理和使用的合法性和安全性。

网络借贷信息中介机构、其资金存管机构、其他类型的外包服务机构等应当对在业务发展过程中从出借人、借款人处收集到的信息保密,未经贷款人同意不得出借。贷款人和借款人个人和借款人提供的信息用于提供服务以外的目的。

在中国收集的贷款人和借款人信息的存储、处理和分析应在中国进行。除法律、法规另有规定外,网络借贷信息中介机构不得提供境内贷款人和境外借款人信息。

第二十八条【客户资金保护】互联网借贷信息中介机构应当对自有资金与出借人资金实行分开管理,选择符合条件的银行业金融机构作为出借人和借款人的资金存款。管理机构。

第二十九条【争议解决】出借人与网络借贷信息中介、借贷双方、借款人与网络借贷信息中介之间的纠纷,可通过以下途径解决:

(一)自我和解;

(二)请求行业自律组织进行调解;

(三)向仲裁部门申请仲裁;

(四)向人民法院提起诉讼。

第五章信息披露

第三十条【融资信息披露和风险披露】网络借贷信息中介机构应当在其官方网站向贷款人充分披露以下信息:

(一)借款人的基本信息,包括但不限于年收入、主要财产、主要债务、信用报告;

年p2p个人无抵押小额信贷市场发_无抵押小额贷款合同_个人小额抵押

(二)Finance 项目基本信息,包括但不限于项目名称、类型、主要内容、地理位置、审批文件、还款来源、借款目的、借款金额、借款期限、还款方式及利率、信用评级或信用评分、担保状态;

(三)风险评估和可能的风险结果;

(四)匹配了未到期融资项目的相关信息,包括但不限于融资资金的使用情况、借款人的经营和财务状况、借款人还款能力的变化等。

第三十一条【机构经营管理信息披露】互联网借贷信息中介机构应当在显着位置披露本机构匹配的贷款项目的交易金额、交易笔数、贷款余额、单账户最高贷款余额在他们的官网上实时比例、最大10户的贷款余额比例、逾期贷款额、还款额、贷款逾期率、坏账率、贷方数量、借款人数量、客户投诉情况等业务管理信息。

互联网借贷信息中介机构应在其官方网站设立经营活动和管理信息公开栏目,并在工商登记注册时定期披露年度报告、法律法规、网络借贷相关规定、省级互联网借贷以公告形式向社会公开 行业自律组织要求的其他信息,包括但不限于公司治理结构、董事、监事、高级管理人员和管理团队状况、会计师事务所审计的财务会计报告、风险管理状况、实收资本及使用情况、业务经营情况、与基金存管机构、增信机构的合作等

网络借贷信息中介机构应聘请会计师事务所定期对机构出借人资金托管、信息披露、信息技术基础设施安全、业务合规等关键环节进行审计,并聘请具备资质的信息安全人员评估认证机构定期实施信息安全评估认证,并向出借人、借款人、工商注册地省级网络借贷行业自律组织公开审核评估认证结果。

网贷信息中介机构应当定期向工商登记地金融监督管理机构报送信息披露公告原稿及相关参考文件,并置于机构住所供公众查阅。

第三十二条【信息披露义务主体】网络借贷信息中介机构的董事、监事、高级管理人员应当忠实、勤勉履行职责,确保信息披露的真实、准确、完整、及时、公平。不得有虚假记载、误导性陈述或重大遗漏。

借款人应当配合网贷信息中介机构和贷款人对融资项目的相关信息进行调查核实,确保提供的信息真实、准确、完整。

第六章监督管理

第三十三条【中央金融监督管理部门的职责】国务院银行业监督管理机构除履行本办法第四条规定的相关职责外,还应当承担以下职责:

(一)Guide,协调和监督当地执行国家相关政策法规,开展监管工作;

(二) 建立跨省(区、市)运营监管协调机制,加强对网络借贷信息中介机构业务活动的风险监测分析和风险预警,提供预警和监督可能的风险;

(三)推动行业基础设施建设,建立网贷行业中央数据库;

(四)Guide 网贷行业自律组织;

(五)解释了这些措施和相关的实施规则。

第三十四条【地方金融监管部门职责】地方金融监管部门应当依照法律法规和《关于促进互联网金融健康发展的指导意见》等文件的规定,加强沟通协作,做好以下工作:监督职责:

(一)建立网络借贷信息中介机构及其股东、合伙人、实际控制人、从业人员从业记录,建立和管理行业相关数据信息统计,开展风险监测分析,定期报告按要求报送国务院银行业监督管理机构;相关统计数据与中国人民银行、网贷行业中央数据库运行机构共享;

(二)监督网络借贷信息中介机构业务活动中的信息披露,制定并实施信息披露、风险管理和合同文本的规范化规则,推动机构信息披露,提高业务管理透明度;

(三)接受相关投诉举报,独立或聘请专业机构对辖区内网络借贷信息中介机构进行现场检查和非现场监管;

(四)网络借贷信息中介机构及其从业人员违反本办法及相关监管规定的,视情节轻重采取相关措施;

(五)建立舆情监测系统,监测网络借贷信息中介机构经营活动中可能涉及的非法集资等违法行为,并及时向省人民政府报告。如有涉嫌犯罪的,移送公安、司法机关查处。;

(六)定期向省人民政府和国务院银行业监督管理机构报送辖区内网络借贷行业备案和年度监督发展报告。

第三十五条【自律组织职责】省级网络借贷行业自律组织应当将章程报当地金融监督管理机构备案,履行下列职责:

(一) formulate self-discipline rules, business rules and industry standards and organize their implementation, and educate members to abide by laws and regulations and relevant regulations on online lending;

(二) safeguard the legitimate rights and interests of members in accordance with the law, coordinate member relations, organize relevant training, provide members with industry information, legal consultation and other services, and mediate disputes;

(三) accept relevant complaints and reports, and carry out self-discipline inspections;

(四)Other responsibilities given by laws and regulations and relevant regulations on online lending.

Article 36 [Customer Fund Depository] Borrowers, lenders, online lending information intermediaries, fund depository institutions, guarantors, etc. shall sign a fund depository agreement to clarify their respective rights and obligations and liabilities for breach of contract.

The fund depository institution manages and supervises the opening and use of fund accounts by the lender and the borrower, and in accordance with the contract, in accordance with the instructions issued by the lender and the borrower to the online lending information intermediary institution, the lender and the borrower Human funds are deposited, transferred, accounted and supervised.

The fund depository institution shall be responsible for the formal review of account opening and fulfillment of contractual agreement and the apparent consistency of loan transaction instructions, but shall not be responsible for the substantive review of the authenticity of financing projects and loan transaction information.

The fund depositor shall submit data and information in accordance with the relevant regulations on online lending and accept relevant supervision and management in accordance with the law.

Which is the regulatory agency for p2p online lending?

This is the regulatory body corresponding to each financial industry. P2P is an online lending platform, so the China Banking Regulatory Commission is the regulatory agency

What are the operating entities of the p2p online loan platform?

1、In mid-November 2021, the actual operating P2P online lending institutions across the country are completely zero.

2、 Borrowing is risky, so choose carefully. To ensure the safety of your personal information and property, it is recommended that you apply for a loan through a bank or a formal loan platform. If you have any funding needs, you can also apply through the official channels of our bank. Ping An Bank has launched unsecured and non-guaranteed credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. The successful approval is assessed based on your comprehensive qualifications. You can log in Ping An Pocket Bank APP-Finance-Loan, learn more and try to apply.

Response time: 2021-07-23, please refer to Ping An Bank’s official website for the latest business changes.

[Ping An Bank I know] Want to know more? Come and see "Ping An Bank, I know"~

What are the government supervision entities of my country's trust industry?

China Banking Regulatory Commission

一.The trust products issued by the trust company must be reported to the China Banking Regulatory Commission;

二.CBRC’s supervision of trust companies is mainly reflected in the general direction, and the government will also issue some policies to regulate trust companies. Therefore, the business of the trust company is innovated and developed in the running-in with the regulatory system;

三. Among the many wealth management products currently on the market, trust wealth management can be said to be the safest except bank deposits, etc. If there is a problem with the trust assets, one or two billion of funds, the trust company is for its own reputation I will also fill in the funds myself. So if there is no supervision by the China Banking Regulatory Commission, the trust company will do its own work for its own reputation, so you can rest assured to buy trust products!

What exactly does online loan regulation supervise?

Strengthening Internet finance supervision is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging business format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening supervision to support each other, promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business types, implement supervision responsibilities, clarify risk bottom lines, protect legal operations, and be resolute Crack down on violations of laws and regulations. [3] Online lending [4] includes individual online lending (ie P2P online lending) and online micro-loans. Individual network lending refers to direct lending between individuals and individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending, and are regulated by laws and regulations such as the Contract Law, the General Principles of Civil Law, and the relevant judicial interpretations of the Supreme People's Court. Online micro-loans refer to micro-loans provided by Internet companies to customers through the use of the Internet through micro-loan companies controlled by them. Online microfinance should abide by the existing microfinance company regulatory requirements, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission. [4] Operational model P2P model Internet credit originated in the United Kingdom, and then developed into the United States, Germany and other countries. Its typical model is: Internet credit companies provide a platform, and both lenders and borrowers freely bid and match transactions.

A total of 3 p2p models. In the traditional P2P model, the online lending platform only provides information circulation and interaction, information value determination and other services that facilitate the completion of transactions for both borrowers and lenders. They do not participate in the lending benefit chain, and both lenders and borrowers directly In the event of a debt-to-debt relationship, the online lending platform relies on charging a certain amount of handling fees from both borrowers and lenders to maintain operations. In our country, because the citizen credit system has not yet been standardized, the traditional P2P model is difficult to protect the interests of investors. Once overdue occurs, investors will lose their money. Therefore, in the continuous exploration and practice of P2P online lending, it is recommended to introduce relatives and friends for joint guarantees for credit loans, and to introduce mortgages or pledges for counter-guarantees for other loans. At the same time, the enterprise loan project introduces a third-party financing guarantee company to review the project and guarantee principal and interest, and requires its guarantee scale to match the guarantee line of the guarantor, and the guarantor must strengthen its own risk control management. Online loan, also known as P2P network loan. P2P is the abbreviation of peer to peer in English, which means "person to person". Creditor's rights transfer model The creditor's rights transfer model can better connect the borrower's financial needs and investors' financial needs, and actively carry out business in batches instead of passively waiting for each to match, thus achieving rapid expansion of scale. It is closely related to the target customer group of domestic Internet development that has not yet spread to small and micro finance. Almost all online lending platforms established since 2012 have been creditor's rights transfer models. 2、 Creditor’s rights transfer model Because of the extension of the credit chain and the high correlation between institutions and professional lenders, the P2P online lending form of creditor's rights transfer has been more questioned, and many traditional P2P organizations believe that this is “not P2P, and Out of risks will affect the P2P industry".

P2B model P2B platform is characterized by individual to organization, and the specific operation mode is for third-party organizations to do risk control. The platform connects projects or targets for which third-party institutions have done a good job in risk control with investors on the platform, thus cleverly solving the problem of unprofessional risk control and poor risk control. [5] Institutions cooperating with P2B platforms usually have strong strength, strong risk control capabilities, and higher risk control levels. Therefore, in general, the risk of P2B business model is much lower than that of P2P business model. More trustworthy for investors. [5] The P2B platform can be subdivided into the following types according to different institutions: first, the platform for cooperation with guarantee companies; second, the platform for cooperation with small loan companies; third, and factoring A platform for cooperation between companies and financial leasing companies; fourth, a platform for cooperation with strong licensed formal financial institutions such as securities companies, the four major asset management companies, and banks. This is because guarantee companies generally have weaker risk control capabilities, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, securities companies, four major asset management companies, banks and other strong licensed formal financial institutions have the most risk control capabilities. Strong, with the highest level of risk control. Therefore, among these types of P2B platforms, the first type is more risky, the second and the third type of risk are the second, and the fourth type is related to securities companies, four major asset management companies, banks and other strengths. A platform for the cooperation of stronger licensed formal financial institutions, such as Unbounded Wealth, People's Livelihood Easy Loan, has the lowest risk, the highest security, and is the most trustworthy for investors. [5] Interim Measures for Operation Management On February 28, 2021, the Guangdong Finance Office issued the "Notice on Implementing the Interim Measures for the Management of Business Activities of Online Lending Information Intermediary Institutions" on its official website, which will be implemented on March 26, 2021, valid period 3 years

The main body of p2p online lending supervision is unknown, which aspects should be started

This question is very professional, let Hengchang come back and forth to you