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The central bank and other ten ministries issued g
Published:7/20/2015 5:17:49 PMViews: 666
In order to encourage financial innovation, promote the healthy development of Internet banking, a clear regulatory responsibility, standardize the market order, with the approval of the CPC Central Committee and the State Council, the people's Bank of China, the Ministry of industry and information technology, Ministry of public security, Ministry of finance, State Administration for Industry and commerce, the Legislative Affairs Office of the State Council, the China Banking Regulatory Commission, China Securities Regulatory Commission, the China Insurance Regulatory Commission, the state Internet Information Office recently jointly issued the "on promoting the healthy development of Internet banking guidance" (hereinafter referred to as the "guidance").
"Guidance" in accordance with the requirements of the overall to encourage innovation, risk prevention, while avoiding disadvantages, healthy development ", put forward a series of encourage innovation, policies and measures to support the steady development of Internet banking, actively encourage the Internet banking platform, product and service innovation, encourage institutions to cooperate with each other, to broaden the financing channels for employment agencies, adhere to and implement the decentralization, improve the fiscal and taxation policy, promote credit infrastructure and supporting services system construction.
"Guidance" in accordance with the "supervision according to law, moderate supervision, classification regulation, regulatory coordination, supervision innovation" principle, established the Internet payment, network lending, raise public equity financing, Internet fund sales, Internet insurance, Internet trust and the Internet consumption of gold financial major Internet banking industry division of regulatory responsibilities, to implement the regulatory responsibility, clear business boundary.
"Guidance" to adhere to the market oriented development of Internet banking, follow the good service of the real economy, subject to macro-control and maintain the financial stability of the overall objectives, and earnestly safeguard the legitimate rights and interests of consumers, maintaining the market order of fair competition, in the management of the Internet industry, customer funds third party save tube system, information disclosure, risk warning and qualified institutional investors, to protect the interests of consumers, network and information security, anti money laundering and the prevention of financial crime, strengthen the Internet financial industry self-discipline and regulatory co-ordination and data statistics and monitoring etc. put forward specific requirements.
The next step, the relevant departments will in accordance with the "guidance" of the division of responsibilities, conscientiously implement the "guidance" of the requirements; Internet banking industry practitioners institutions should be in accordance with the relevant provisions of the "guidance", compliance with laws and regulations to carry out a variety of business activities.