Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. The survey shows that the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the excessive consumption of students who have control over the flow of loans.
The China Banking Regulatory Commission, the Ministry of Education and the Ministry of Human Resources and Social Security recently issued a notice requesting the establishment of institutions to prohibit the provision of campus loan services; At this stage, the stock business of all online loans will be suspended and a rectification plan will be formulated.
Official website, the Jiangxi Provincial Financial Office recently disclosed that the China Banking Regulatory Commission, the Ministry of Education and Ministry of Human Resources and Social Security issued the "Institutions approved by the comprehensive industry supervision department on further strengthening the standardized management of campus loans" on May 27, prohibiting the provision of campus loan services; At this stage, all online lending institutions should be suspended, and it is necessary to formulate rectification plans and clarify the timetable for withdrawal.
2. What are the undergraduate colleges that stopped enrolling students in Shanxi 202/KLOC-0?
202 1 The Shanxi undergraduate schools that stopped enrolling students are north university of china Institute of Information and Business, Taiyuan University of Technology and Modern Institute of Science and Technology.
3. Have all online lending platforms suspended campus loans?
Because there is no \uD83D\uDE2D.
Four, Guangdong issued the "Interim Measures for Business Management in peer-to-peer lending", and all campus online loan business was suspended.
On February 28th, Guangdong Financial Office issued the Notice of Guangdong Banking Regulatory Bureau, Guangdong Internet Information Office, Provincial Public Security Department, Provincial Administration for Industry and Commerce and Provincial Communications Administration on Implementing the Interim Measures for the Administration of Peer-to-Peer Lending Activities of Information Intermediaries (hereinafter referred to as the Notice) in official website. The notification document will be implemented from March 26th, 20th18th, and the validity period is 3 years.
The notice called for the suspension of campus online loan business. All localities and relevant departments should carry out the rectification of campus online loans in accordance with the notice on further strengthening the standardized management of campus loans (2065438+07) No.26 and the notice on further strengthening the rectification of campus online loans (2065438+06) No.47) and other relevant regulations. At this stage, all online lending institutions are suspended to carry out online loan business for students in school, and the stock business is gradually digested. According to the above notice and the latest requirements of relevant state departments.
In addition, for the existing online lending institutions that do not cooperate with supervision, refuse to rectify, deliberately evade supervision or fail to pass the rectification and acceptance, the relevant departments will impose penalties according to the specific circumstances and investigate and deal with them according to law; Its shareholders, legal representatives, actual controllers, directors, supervisors and senior managers, etc. They are all newly established or invested online lending institutions, and all localities and departments should focus on their supervision.
Full text of the notice:
In order to implement the Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries (Order No.20 16 of the Information Office of the Ministry of Industry and Information Technology of China Banking Regulatory Commission, hereinafter referred to as the Interim Measures), standardize the business activities of person-to-person lending information intermediaries in our province (hereinafter referred to as "online lending institutions"), and promote the standardized and healthy development of the person-to-person lending industry in our province.
First, strengthen industry supervision and management.
(1) Strengthen market access. The filing and registration system shall be implemented, and the specific management measures shall be formulated separately by the Provincial Financial Office in conjunction with relevant departments. All localities and regulatory authorities at all levels should strictly follow the requirements of special rectification of Internet financial risks, conduct on-site inspection, rectification and acceptance of existing online lending institutions, and handle matters related to the filing and registration of qualified guidance. For the existing online lending institutions that do not cooperate with supervision, refuse to rectify, deliberately evade supervision or fail to pass the rectification and acceptance, the relevant departments shall punish them according to the specific circumstances and investigate and deal with them according to law; Its shareholders, legal representatives, actual controllers, directors, supervisors and senior managers, etc. They are all newly established or invested online lending institutions, and all localities and departments should focus on their supervision.
(2) Insist on penetrating supervision. For the behavior that is not clear in the Interim Measures, relevant laws and regulations, and relevant regulatory provisions on peer-to-peer lending, the regulatory authorities at all levels should integrate the whole process information such as the source of funds, intermediate links, and final investment, and define the nature of the business according to the principles of information intermediary, small amount dispersion, online operation, reasonable pricing, and focus on the main business, leaving no regulatory blind spots.
(3) Strengthen supervision means. According to the needs of performing their duties, the regulatory authorities can take various measures to supervise and manage the online lending institutions according to law, including but not limited to on-site inspection and off-site supervision, and conduct regulatory talks with shareholders, legal representatives, actual controllers, directors, supervisors and senior managers. The Provincial Finance Office can entrust a third party or joint relevant departments to evaluate and classify the online lending institutions after filing and registration through the way of government purchasing services.
(4) Strengthen network and information security. To carry out network security level protection, the public security department shall guide and supervise online lending institutions to go through the filing procedures for network security level protection at the municipal public security organ of the place of registration within 30 days after completing the filing and registration, and the security level shall be no less than level 3; Supervise the selection of nationally recognized rating agencies to carry out network security level assessment and risk assessment. Only after passing the rating assessment can it be put into operation, and rating assessment and risk assessment shall be carried out regularly according to regulations. The communication management department shall, in accordance with the laws, regulations and technical safety standards of the telecommunications and Internet industries, guide and supervise the online lending institutions to do a good job in network and information security; Guide and supervise online lending institutions to strengthen the security protection of communication networks.
(5) Strengthen the supervision of the application of science and technology. Regulatory authorities at all levels should actively use big data, cloud computing, artificial intelligence and other technologies to enrich financial supervision means, improve the ability of online loan risk monitoring and early warning, and realize early risk identification, early warning, early detection and early disposal. The Provincial Finance Office, together with relevant departments, is responsible for establishing and improving the off-site supervision system of online lending institutions in the province, collecting, sorting out and analyzing the business activities of online lending institutions, and continuously monitoring the risks. Local financial supervision departments at all levels or designated departments of the listed people's government (hereinafter referred to as "municipal local financial supervision departments") guide online lending institutions to access the off-site supervision system of provincial online lending institutions after obtaining the telecom business license and before opening. Encourage existing online lending institutions to access the off-site supervision system of provincial online lending institutions before applying for registration.
(6) Strengthen the punishment for dishonesty. All localities and relevant departments should, in accordance with relevant laws and regulations, list online lending institutions with serious dishonesty, their legal representatives, main persons in charge and other directly responsible personnel, list online lending institutions that seriously undermine fair market competition order and normal social order, refuse to perform or fail to perform their legal obligations as required, and implement measures that relevant personnel are not allowed to enter the market and industry.
(7) Strengthen supervision. Supervision departments at all levels and localities should strengthen supervision capacity building, establish a professional and relatively stable supervision team, and equip them with necessary supervision facilities and means to ensure the effective performance of supervision duties. Supervision departments, supervision departments and other relevant departments should strengthen collaborative supervision, form a clear division of labor, smooth communication, and pay close attention to implementation, effectively strengthen supervision power and improve supervision efficiency.
(eight) establish and improve the information sharing mechanism. Provincial Finance Office, Guangdong Banking Regulatory Bureau, Guangzhou Branch of the People's Bank of China, Provincial Public Security Department, Provincial Administration for Industry and Commerce, Provincial Communications Administration, Provincial Network Information Office, and Guangdong Internet Finance Association should establish and improve the information sharing mechanism of online lending institutions, and regularly * * * share information such as industrial and commercial registration, filing registration, telecom business license, and violation of laws and regulations of online lending institutions.
(nine) to strengthen the discovery and disposal of major events. The Provincial Finance Office, in conjunction with relevant departments, is responsible for establishing the system of discovering, reporting and disposing of major events in the personal loan industry, formulating disposal plans, and coordinating and handling related major events in a timely and effective manner. The municipal local financial supervision department shall timely submit the major risks and disposal information of online lending institutions within its jurisdiction to the people's government at the corresponding level and the provincial financial office. The provincial financial office shall promptly report the major risks and disposal information of online lending institutions within its jurisdiction to the provincial people's government, the CBRC and the People's Bank of China, and send a copy to the Guangzhou Branch of the People's Bank of China and the Guangdong Banking Regulatory Bureau.
Second, improve the development level of industry norms.
(10) Improve the management level. All localities and relevant departments should urge online lending institutions to improve their internal control, risk management, information security, lender and borrower protection, customer information security protection and complaint handling systems to maintain the effectiveness of corporate governance. Encourage online lending institutions to introduce strategic investors, increase registered and paid-in capital, hire people with rich experience in financial institutions as senior managers, enhance institutional strength, strengthen employee training and education, and improve management level.
(eleven) effectively serve the real economy. All localities and relevant departments should guide online lending institutions to serve the real economy as the starting point and the end result, effectively strengthen services for small and micro enterprises, agriculture, rural areas and remote areas under the premise of effectively preventing and controlling risks, and actively explore and develop "Internet credit, agriculture, rural areas and farmers" services.
(12) Strengthen the main responsibility of risk prevention and control institutions. All localities and relevant departments should urge online lending institutions to effectively assume the main responsibility of risk prevention and control, clarify the risk management responsibilities of the board of directors (executive directors), the board of supervisors (supervisors), senior management personnel and various departments, establish and improve a comprehensive risk management system and emergency plans for major risk events that match their own operations and management, and keep the bottom line of risk prevention and control.
(thirteen) strict implementation of regulatory provisions. All localities and relevant departments should supervise the online lending institutions to implement the Interim Measures and other laws and regulations and other relevant regulatory provisions in accordance with the law, fully fulfill their obligations, and shall not engage in or accept the entrustment to engage in related prohibited activities or behaviors, and investigate and deal with the acts of providing information intermediary services for financing projects that do not conform to the national financial regulatory policies and industrial policies according to law.
(fourteen) to suspend the campus online loan business. All localities and relevant departments should carry out the rectification of campus online loans in accordance with the notice on further strengthening the standardized management of campus loans (2065438+07) No.26 and the notice on further strengthening the rectification of campus online loans (2065438+06) No.47) and other relevant regulations. At this stage, all online lending institutions are suspended to carry out online loan business for students in school, and the stock business is gradually digested. According to the above notice and the latest requirements of relevant state departments.
(fifteen) the implementation of bank funds. Local and regulatory authorities at all levels should urge online lending institutions to separate their own funds from the funds of both borrowers and lenders, select qualified banking financial institutions as fund depository institutions, and implement bank fund depository, specifically in accordance with the the State Council Banking Regulatory Authority's Guidelines for the Depository of Interbank Lending Funds and other relevant regulations. Encourage priority to choose commercial banks with operating entities in this province to realize the deposit of bank funds.
(16) Do a good job in lender qualification examination and risk warning. Local and regulatory authorities at all levels should urge online lending institutions to do a good job in auditing qualified lenders, and conduct due diligence assessment on lenders' age, financial status, investment experience, risk preference and risk tolerance. , and may not provide trading services to lenders who have not conducted risk assessment and failed risk assessment; Online lending institutions remind lenders of the risks of peer-to-peer lending and prohibited sexual behaviors in a striking way, especially the principle of taking risks at their own risk, which has been confirmed by lenders.
(seventeen) timely and accurate information disclosure. Local and regulatory authorities at all levels should urge online lending institutions to disclose information in strict accordance with the Guidelines for Information Disclosure of Peer-to-Peer Lending Business Activities by Information Intermediaries, and truthfully, accurately and timely disclose business management information such as loan projects arranged by institutions in a prominent position on their official websites and other network channels providing peer-to-peer lending information intermediary services, and submit relevant information to regulatory authorities on a regular basis as required.
(eighteen) properly solve. Disputes between online lending institutions, lenders, borrowers and other related parties are encouraged to be properly resolved through self-reconciliation, requesting mediation from industry self-regulatory organizations such as Guangdong Internet Finance Association, or applying for arbitration to the arbitration department or bringing a lawsuit to the people's court.
Third, clarify the division of responsibilities.
(nineteen) the implementation of departmental management responsibilities. The Provincial Finance Office specifically undertakes the daily work of institutional supervision of online lending institutions in this province, including the normative guidance, filing management and risk prevention and disposal of online lending institutions. The provincial agency of the banking supervision department is responsible for formulating the supervision and management system for the business activities of online lending institutions within its jurisdiction, implementing behavioral supervision, cooperating with local people's governments to do a good job in risk disposal of online lending institutions, and establishing an inter-departmental and inter-regional supervision and coordination mechanism. The Provincial Communications Administration is responsible for supervising the telecommunications business involved in the business activities of online lending institutions. The Provincial Public Security Department took the lead in supervising the Internet services of online lending institutions, investigated and dealt with illegal acts violating network security supervision according to law, and cracked down on crimes involving peer-to-peer lending according to law. The Provincial Network Information Office is responsible for the supervision of financial information services, Internet information content and other businesses. The Provincial Administration for Industry and Commerce is responsible for registering online lending institutions according to law and investigating violations of relevant industrial and commercial regulations.
(twenty) the implementation of territorial responsibility. County (city, district) people's governments at all levels bear the first responsibility for the supervision and risk disposal of online lending institutions in their respective jurisdictions. Municipal local financial supervision departments shall specifically undertake the institutional supervision and risk disposal of online lending institutions in their respective jurisdictions. The municipal agency of the banking supervision department is responsible for the behavior supervision of information intermediary activities in peer-to-peer lending within its jurisdiction, and cooperates with the Municipal People's Government to carry out institutional supervision and risk disposal.
(twenty-one) to strengthen industry self-discipline management. Guangdong Internet Finance Association should strictly perform its duties and effectively strengthen the self-discipline management of P2P lending industry in the province. The Peer-to-Peer Lending Professional Committee of Guangdong Internet Finance Association conducts self-discipline management in accordance with the Guiding Opinions on Promoting the Healthy Development of Internet Finance, the Interim Measures, this notice and the articles of association of the association, and accepts the guidance of the regulatory authorities.
Fourth, other requirements.
(twenty-two) strictly perform their duties and obligations. The local and municipal people's governments shall, in accordance with the requirements of the Interim Measures and this notice (implemented by the Shenzhen Municipal People's Government with reference to this notice), earnestly strengthen the management of online lending institutions within their respective jurisdictions. Supervision departments at all levels should strictly fulfill the relevant provisions of the Interim Measures and the relevant responsibilities of this notice. Online lending institutions, lenders and borrowers should strictly implement the Interim Measures and fulfill relevant obligations. In violation of relevant regulations, it shall be dealt with in accordance with laws and regulations; If a crime is constituted, criminal responsibility shall be investigated according to law.
(twenty-three) regularly submit the supervision situation. The municipal local financial supervision department shall report to the people's government at the corresponding level and the provincial financial office on the supervision of institutions in peer-to-peer lending in the previous year before the middle of February each year. The Provincial Finance Office shall submit the supervision of online lending institutions in this province in the previous year to the provincial people's government and the CBRC before the middle of March each year.
(twenty-four) to strengthen the management of cross regional operating institutions. Online lending institutions registered in other provinces (autonomous regions and municipalities directly under the Central Government) shall abide by the provisions of this notice in their branches established in this province. The online lending institution takes the location of its main office as the registered residence of its business license; If the local financial supervision department finds that the main office of the online lending institution is inconsistent with the domicile registered in the business license, it shall notify the administrative department for industry and commerce; After receiving the notice, the administrative department for industry and commerce shall dispose of it according to law.
(twenty-five) severely deal with illegal business institutions. Institutions that have not obtained registration or have been deregistered, but actually engage in information intermediary business in peer-to-peer lending, will be dealt with severely according to the relevant laws and regulations such as the Measures for Banning Illegal Financial Institutions and Illegal Financial Business Activities.
(XXVI) This document shall be implemented from March 26th, 20 18, with a validity period of 3 years.