2. The letter wearing score index is 10. Because the compliance score contains an indicator about filing, the score of this indicator is calculated proportionally by subtracting the filing information score from the platform information disclosure score.
3. It is forbidden to sell funds/bank wealth management/insurance products on a commission basis. 4 points. As long as the platform has sales funds or bank wealth management or insurance products, this indicator does not score; If the platform separates P2P services from other services and operates independently, this indicator will score 3 points.
4. The index of prohibiting asset securitization is 4 points. The List of Compliance Inspection Issues of Information Intermediaries in Peer-to-Peer Lending prohibits asset securitization or transfer of creditor's rights in the form of packaged assets, securitized assets, trust assets and fund shares. If this provision is violated (such as the "net-worth" loan business with the creditor's rights held by the lender as the pledge), this indicator does not score.
5. All scattered standard indicators get 4 points. The North-Guangzhou-Guangzhou Mutual Gold Association requires the platform to rectify "financial planning" products, planned products and standard products. This indicator will be deducted as appropriate.
6. If the index of basic assets is 8, and the basic assets are not disclosed in the sales plan or assembly products, the index shall be deducted as appropriate.
7. It is forbidden to split the term indicator into 14 points and collect standard and planned products. If the basic loan project is inconsistent with the product term, the indicator will be deducted as appropriate.
8. The liquidity risk early warning index is 4 points. The products required to be extracted by creditor's rights transfer in the compliance inspection list of information intermediaries in peer-to-peer lending should be indicated in the product name and held for a certain period of time before being transferred, and the liquidity risk should be fully reminded to the lender, and it should be confirmed in writing in advance.
9. The liquidity management index is 8 points. The index measures the platform's control over liquidity. If the lock-up period of creditor's rights transfer is too short, the creditor's rights transfer can be withdrawn in advance within the lock-up period, or the "financial planning" product system automatically initiates the withdrawal of creditor's rights transfer, and this indicator can be deducted as appropriate.
10. The quota management index is 16, and the outstanding balance of individuals and enterprises on the same platform is not allowed to exceed 200,000 yuan and 6,543,800 yuan respectively. If there are circumstances that exceed or violate the principle of small amount dispersion, including historical stock problems, borrowing by borrowers, borrowing by shell companies, etc. , this indicator will be deducted as appropriate.
Bank depository index is 10, in which all bank depository businesses are online, and the index is 5 points; The docking depository bank has passed the evaluation of China Mutual Gold Association's fund depository system, and the index is added with 5 points.
12. Information system security certification index is 4 points. There is a public security department information system security level 3 certification, the index is 4 points; If the Shanghai regional platform has an audit receipt of peer-to-peer lending intermediaries' information security level protection, the indicator will score 3 points; If there is an assessment report issued by an assessment agency (only the cover of the assessment report is invalid), this indicator will score 2 points; If the information system security level III certification is not obtained or only the Information Security Level Protection Evaluation Result Notice issued by the evaluation institution is obtained, the indicator will get 0 point.
13. The business license index of value-added telecom services is 4 points. The telecom business license is not the ICP filing of the platform website, but the value-added telecom business license applied by the platform (for example, Guangdong B2-****). (Note: As Beijing does not explicitly require to apply for a value-added telecommunications business license, it only needs to grant Beijing B2-* * * or Beijing ICP certificate * * *, while other regions strictly require to apply for a value-added telecommunications business license. )
14. The record registration index is 5 points. If the business scope includes "person-to-person lending information intermediary service", because there is no plan, the index is 5 points.
Related Q&A: What are the p2p compliance platforms? At present, p2p has not been filed, and there is no 100% recognized compliant platform. However, we can judge the compliance process of the online lending platform according to its platform qualification, registered capital, platform evaluation, management team, risk control management and bank depository.
First look at the platform qualification. A real and legitimate P2P platform, in addition to the five certificates, must also have the qualification of Internet operation, which depends on the filing of the platform, the legality of the domain name and other information.
Second, look at the platform evaluation. Investors can check the reputation, honors and reports of the platform in the industry, as well as the reputation on search engines such as Baidu.
Third, the platform registered capital. Registered capital shows the strength of a company to a certain extent.
Fourth, look at the management team. The management team of the platform is the decisive factor of the platform's risk control strength.
Fifth, look at the risk control team. The first place is of course the risk control strength of the platform. As a P2P platform, if the risk control is not strong enough, once the bad debt rate rises, the platform will only close down or run away.
Sixth, look at bank deposits. Bank depository is one of the necessary conditions for P2P online lending platform compliance.