Legal basis: Notice on Standardizing and Rectifying Cash Loan Business IV. Continue to promote and improve the business management of P2P peer-to-peer lending information intermediaries.
(a) shall not arrange or arrange in disguised form the loan business that does not meet the relevant interest rate provisions of the law; It is forbidden to deduct interest, handling fee, management fee and deposit from the loan principal in advance and set high overdue interest, late payment fee and penalty interest.
(2) It is forbidden to outsource core work such as customer information collection, screening, credit evaluation and account opening.
(3) Do not match the funds of banking financial institutions to participate in P2P peer-to-peer lending.
(four) shall not provide loan matching business for students and borrowers who have no repayment source or repayment ability. It is not allowed to provide housing financing and loan matching services such as "down payment loan" and real estate fund-raising in different places. Do not provide loan matching business without specific purpose.
The joint work office of special risk remediation of peer-to-peer lending shall clean up and rectify the cash loan business of information intermediaries in peer-to-peer lending in accordance with the requirements of the Notice on Cleaning up and Rectifying Cash Loan Business Activities (17).
Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries Article 29 Disputes between lenders and information intermediaries, between lenders and borrowers, and between borrowers and personal-to-personal lending information intermediaries in personal-to-personal lending can be resolved in the following ways:
(1) Self-reconciliation;
(two) to request the mediation of industry self-regulatory organizations;
(3) applying to the arbitration department for arbitration;
(4) bring a lawsuit to the people's court.
Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries Article 27 Peer-to-Peer Lending Information Intermediaries shall strengthen the information management of both borrowers and lenders to ensure the legality and security of information collection, processing and use of both borrowers and lenders.
Outsourcing service institutions such as peer-to-peer lending information intermediaries and fund depository institutions shall keep the information of both borrowers and lenders confidential, and shall not use the information provided by both borrowers and lenders for purposes other than providing services without the consent of both borrowers and lenders.
The information of lenders and borrowers collected in China shall be stored, processed and analyzed in China. Unless otherwise stipulated by laws and regulations, peer-to-peer lending information intermediaries may not provide information on domestic lenders and borrowers to overseas.