As a partner of Wang Zhi Fortune Online Loan Service, CreditEase Huimin Platform has submitted a compliance self-inspection report before September 30th according to regulatory requirements, and uploaded all administrative verification documents to Jinguantong on June 5438+1October 65438+May. For the upcoming on-site inspection work, Yixin Huimin will also actively respond to supervision.
CreditEase Huimin Compliance Details
At the beginning of August this year, CreditEase Huimin appeared in the list of the first batch of 16 institutions that made commitments in the "Beijing Online Loan Industry Self-discipline Commitment Letter" issued by Beijing Internet Finance Industry Association.
According to the information disclosure of Yixin Huimin in official website, Yixin Huimin has the value-added telecom business license issued by the Ministry of Industry and Information Technology of China and the information system security assessment certification filed by the Ministry of Public Security of China. The accumulated loan amount was 228.4 billion yuan and the accumulated loan balance was 38.5 billion yuan. All relevant information has been registered with the Financial Supervision Department.
CreditEase Huimin firmly established the concept of compliance and prudence, carried out self-examination and self-correction, and actively cooperated with the administrative verification and self-discipline inspection procedures of regulatory authorities and data institutions in strict accordance with the National Special Remediation Plan for Internet Financial Risks and the Notice on Compliance Inspection of P2P Peer-to-Peer Lending Institutions issued by the Office of the Leading Group for P2P Peer-to-Peer Lending Risk Remediation (No.63 [20 18]).
Yixin Huimin has a strict risk control system. For risk early warning management, the means adopted by CreditEase Huimin include:
1) balance method: weigh risk (measured by net credit loss) and income (measured by income);
2) Circular risk management: large-scale business can only be carried out after risk test performance evaluation;
3) Digital risk management method: measure and check the risk indicators supporting performance realization through management reports;
4) Pricing according to risk level.
In addition, CreditEase Huimin will conduct necessary audits on the qualifications of lenders and borrowers, the authenticity of information, the authenticity and legality of financing projects, and take measures to prevent fraud. If fraud or other circumstances that harm the interests of the lender are found, relevant peer-to-peer lending activities will be announced and terminated in time.
CreditEase Huimin Platform continues to carry out peer-to-peer lending knowledge popularization and risk education activities, strengthen information disclosure, guide lenders to participate in peer-to-peer lending in a small amount, and ensure that lenders are fully aware of lending risks. CreditEase Huimin shall fulfill its anti-money laundering and anti-terrorist financing obligations such as customer identification, suspicious transaction report, customer identity information and transaction record keeping according to law.
Wang Zhi Wealth Compliance Operation
CreditEase has accumulated 12 years of industry and has withstood many tests of economic cycle, regulatory policies and changes in investor demand. CreditEase plays a leading and demonstrating role in compliance, risk control and service capabilities, and assists the top-level design of the industry. As the executive director of China Internet Finance Association and the president of Beijing Internet Finance Industry Association, it has promoted the healthy and orderly development of the whole industry.
Relying on CreditEase's profound financial experience, Wang Zhi Fortune has unique advantages in investment capacity and risk control, and has been operating safely and steadily for three and a half years.
According to the third quarter operation report officially released by Wang Zhi Fortune, as of 2065438+September 30, 2008, the accumulated turnover of Wang Zhi Fortune was 3 193 billion yuan, creating accumulated income of 2.47 billion yuan for investors, and the per capita lending amount was 45,000 yuan.
CreditEase Huimin, the online loan service partner of Wangfu Fortune, cooperates with Guangfa Bank, and the customer funds are deposited online, and the bank keeps the customer funds all the time. In September this year, in the "white list" of bank depository published by China Internet Finance Association, Guangfa Bank was one of the first "white list" banks to pass the regulatory assessment.
The prospect of the industry is gradually becoming clear.
Since the implementation of the Interim Measures of peer-to-peer lending on August 24th, 20th16th, the barbaric growth of the industry has come to an end and the first year of supervision has officially started. With the continuous improvement of financial regulatory policies, compliance has also become the lifeline of industry development, and it is increasingly favored by investors.
In the middle of 20 18, the online loan industry experienced a challenging development period and gradually recovered, from a shock period to a calm buffer period. The high-quality platform with high compliance has withstood this baptism.
Since July, the favorable policies of the regulatory authorities have continued. With the landing of "Online Loan 108 Document" and the orderly promotion of local platform compliance self-inspection, the filing process of online loan industry is accelerating.
China People's Political Consultative Conference (CPPCC) published an exclusive interview with Tang Ning, founder and CEO of CreditEase, in its eighth edition. Tang Ning clearly pointed out that at present, confidence is more important than gold, systematic supervision is more important than panic, and continuous investor education is more important than panic when it is overdue.
Han Fei, head of Wang Zhi Fortune, also said in an interview that cleaning up some online lending platforms is for the better development of the industry. We have great confidence in the future development of the online loan industry, and we need to be hard-working while we fight the iron. Wang Zhi Fortune will continue to assume the leadership responsibility.
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