Chinanews.com client, December 31. On the 31st, the head of the relevant department of the China Banking and Insurance Regulatory Commission stated that in recent years, some Internet platforms have carried out online microfinance business and have played an active role in serving small and micro enterprises and individual industrial and commercial households. But there are also problems such as imperfect corporate governance, using data monopoly to seek special benefits, inducing excessive borrowing, and excessive financing leverage.
Online microfinance institutions should conduct self-examination and rectification in accordance with the overall requirements and spirit of the "Interim Measures for the Management of Online Microfinance Business (Draft for Comment)."
One is self-examination and self-correction of violations.
All violations of laws and regulations discovered in the self-examination shall be corrected and dealt with in strict accordance with relevant laws and regulations and relevant requirements.
The second is to standardize and rectify business.
Carry out loan assistance and joint loans in accordance with regulations, and comply with the requirements of the capital contribution ratio.
It is forbidden to induce borrowers to over-debt or borrow too much.
External financing in compliance with laws and regulations, and controlling financing leverage within a reasonable range.
The third is to grasp the intensity and rhythm.
New businesses must be carried out in accordance with new methods and spirits, and existing businesses must be rectified in an orderly manner.
The fourth is to protect the legitimate rights and interests of consumers.
Do not increase customer financing costs, do not reduce customer service quality and standards, and support the development of the real economy.