Judging whether a platform is formal and legal often depends on these:
1, whether there is official approval from the government, there will generally be official approval and publicity from local governments at all levels;
2. Whether there is a formal trading license, and the formal platform has a trading license in addition to government approval, which is issued by the financial department;
3. Can the industrial and commercial department find the registration information? This can be found on the website of the registered industrial and commercial bureau;
4. Whether the funds are in tripartite custody, and whether the general financial investment funds are in tripartite custody; What is the scale and is the operation standardized? The organizational structure and operation mode of formal platform industry and commerce are very rigorous and formal, with large scale and high visibility in the industry. China Payment and Clearing Association, 20 1 1 approved by the Ministry of Civil Affairs and headed by the central bank.
20 15 September, this association launched a financial risk information sharing system called internet, and the first batch of platforms were accessed 13. Recently, the second batch of platforms have been connected, and currently there are more than 50 platforms.
They include CreditEase, Renren Loan, Hongling Venture Capital, Yilong Loan, Paipai Loan, Cyber Loan, Xin Kai Loan, Heli Loan, Building Block, Cailutong, Jiufu, Chengxin Tong, Wang Youyi, Heng Chang, Search Easy Loan and Jin Xin. Com, Jiudouyu, Tongban Street, Zhangzhong Finance, Lending Bao, Group Lending Network, Rongtonghui. (1) Because this system runs 24 hours, the platform accessing the system needs to enjoy the loan information of the platform, so the data transparency of the platform is higher.
(2) The platform accessed by the system can find the data shared by other platforms, and make clear which borrower has overdue records, or there is a phenomenon that one person borrows more; This can reduce some credit risks. (3) It is reported that the access system should meet three hard conditions: a sound organizational structure, sound risk management measures and internal control measures; There are technical facilities that meet the requirements, the relevant processes meet the interface standards of risk information sharing system, and information security is guaranteed; Some senior managers are engaged in financial risk management and information technology industry.