P2P online lending platforms operating in China generally only need to register and set up a legal person company as a legal person to operate. According to incomplete statistics, there are the following business types: investment companies, investment management companies, investment consulting companies, e-commerce companies, technology companies, financial service companies, asset management companies, industrial companies, trading companies, network technology companies and so on. And their qualifications or pre-approval management are exactly the same.
Second, what qualifications do p2p online lending companies need?
The qualifications required by P2P online lending companies are not much different from those of other industries. The qualification that Internet companies must need should be ICP. ICP certificate is a license for website operation. According to the national "Measures for the Administration of Internet Information Services", operating websites must apply for ICP certificates, otherwise they are illegal. According to the Measures for the Administration of Internet Information Services, those who, in violation of the provisions of these Measures, engage in Internet information services without obtaining a business license, or provide services beyond the permitted items, shall be ordered by the local telecommunications regulatory agency to make corrections within a time limit. Illegal income, confiscate the illegal income, and impose a fine of 3 to 5 times the illegal income; If there is no illegal income or the illegal income is less than 550,000 yuan, a fine ranging from 6,543,800 yuan to 6,543,800 yuan shall be imposed; If the circumstances are serious, it shall be ordered to close the website. According to the Administrative Measures for Internet Information Services (Order No.292 of the State Council of the People's Republic of China), the state implements a licensing system for operators engaged in Internet information services. Therefore, the ICP certificate becomes the license for website operation, and the operating website must apply for the ICP certificate, otherwise it is illegal operation. Therefore, handling ICP certificate is the need of legal operation of enterprise website. Application conditions for ICP business license: 1. The operator is a legally established company with a registered capital of1100,000. 2, there are funds and professionals to adapt to the development and operation activities; 3. Have the reputation or ability to provide users with long-term services; 4. Have a business development plan and related technical solutions; 5. Sound network and information security measures, including website security measures, information security management system and user information security management system; 6. Documents approved by the relevant competent departments of information services that require pre-approval according to the Administrative Measures for Internet Content Providers: 7 copies. Other conditions stipulated by the state. The International Comparison Programme should be reviewed annually; After the website is revised, you don't need to re-apply for ICP, you just need to change the content at the Administration Bureau.
3. What qualifications do online loan companies need?
P2P online lending platforms operating in China generally only need to register and set up a legal person company as a legal person to operate. According to incomplete statistics, there are probably the following types of companies operating P2P online loans: investment companies, investment management companies, investment consulting companies, e-commerce companies, technology companies, financial service companies, asset management companies, industrial companies, trading companies, network technology companies, etc. The registration of these companies does not require special qualifications or pre-approval, which is exactly the same as the administration of ordinary corporate bodies.
Four. What qualifications do you need to run a P2P online lending platform in China?
P2P online lending platforms operating in China generally only need to register and set up a legal person company as a legal person to operate.
According to incomplete statistics, there are probably the following types of companies operating P2P online loans: investment companies, investment management companies, investment consulting companies, e-commerce companies, technology companies, financial service companies, asset management companies, industrial companies, trading companies, network technology companies, etc. The registration of these companies does not require special qualifications or pre-approval, which is exactly the same as the administration of ordinary corporate bodies.
Extended data
The Business Model P2P P2P Lending Platform
First, the guarantee transaction mode of the guarantee institution
This is also the safest P2P mode. As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors.
The advantage of this model is that it can ensure the safety of investors' funds and is jointly guaranteed by large domestic guarantee institutions. In case of bad debts, the guarantee institution will transfer the principal and interest to the investor's account in time the next day after the repayment is delayed.
Second, the transfer mode of creditor's rights contract under P2P platform
It can be called "many-to-many" mode, which is an atypical mode-P2P offline mode. Borrowing demand and investment are both decomposed and combined. As the largest creditor, I lent the money to the borrower, and then got the creditor's rights for division, and transferred the creditor's rights to other investors in the form of creditor's rights transfer to obtain loan funds.
Its framework system can be regarded as the left docking creditor's rights and the right docking debt. Balance coefficient means that the amount of foreign loans must be greater than or equal to the transferred creditor's rights. If the loan amount is actually less than the transferred creditor's rights, it is equal to the transfer of non-existent creditor's rights. According to the Notice on Further Combating Illegal Fund-raising, it belongs to the category of illegal fund-raising.