No matter what investment and financial management, we must first look at whether it is safe, and then look at the income.
For convenience, the Interim Measures for the Management of Business Activities of Information Intermediaries in Peer-to-Peer Lending jointly issued by CBRC and other four departments on August 17, 2065438 is hereinafter referred to as the Measures for the Management of Online Lending.
Guo Jinbao introduced:
1, basic information:
Shanghai Yinhe Huili Financial Information Service Co., Ltd., a subsidiary of Guojinbao, was established in Shanghai in 14 with a registered capital of1300,000. The background mainly focuses on the shareholding of China Minority Economic and Cultural Development Corporation and Beijing MCC Guo Rui Asset Management Co., Ltd., which are strategic investments 15 and 16 respectively. Official website showed that after this shareholding,
2. Bank depository: Yes (not officially launched)
As can be seen from the information disclosure of Guojinbao official website, the 10,000-yuan agreement has just been signed, but it has not been officially put into bank custody, and it is expected to be officially put into operation before the end of June.
3. Category III: Yes.
It is called the three-level assessment of national information security level protection. It is the highest certification recognized by non-bank institutions in the industry and belongs to the regulatory level. Getting this certificate is equivalent to a network security gold medal. Guo Jinbao got the third-class insurance on 17 and 18.
4. Signature or deposit certificate of third-party electronic contract: Yes.
Guo Jinbao launched the third-party electronic signature and certificate depository service of Fada. It is clearly pointed out in the Measures for the Administration of Online Loans that when all parties participate in the business activities of information intermediaries in peer-to-peer lending and need to use electronic signatures and electronic authentication for the basic information and transaction information of lenders and borrowers, they should abide by the provisions of laws and regulations to ensure the authenticity and integrity of data and the legal effect of electronic signatures and electronic authentication.
5. Registration information of local financial supervision department: None.
Haven't found it yet. At present, there are few P2P online lending platforms with a financial record of 1 0,000 or more in China. In the Notice on Doing a Good Job in P2P Peer-to-Peer Lending Risk Rectification and Acceptance (No.57 Document) issued by the China Banking Regulatory Commission in June last year, it was clearly required that all large-value targets exceeding 1 10,000 should be closed, and all online lending platforms must complete filing before the end of June. Due to the extremely bad conditions, most of them can't be completed at the current speed.
6.ICP license: None.
ICP license, full name: business license for telecommunications and information services. It should be noted that ICP filing is different from ICP license. ICP filing is mainly to manage the domain name of the website, and ICP license will be much stricter if you want to get it.
7. Third Party Guarantee: None
The Measures for the Administration of Online Loans specifically pointed out that the essence of online loan information intermediaries is information intermediaries rather than credit intermediaries, so they may not provide any form of guarantee for lenders themselves. In the past, many online lending platforms were guaranteed by themselves, and the safety of users' funds was very worrying.
Generally speaking, the security of Guojinbao is only moderate in the P2P online lending industry, and it may not be too late to wait until the bank depository is officially launched. At this time, you can choose some bigger and safer platforms.
Finally, the Measures for the Administration of Online Loans stipulates that the platform is only an information intermediary and cannot provide credit guarantee, so it is not responsible for investors' investment. Please keep your eyes open and invest and manage your finances rationally.