• 微博
  • 微信微信二维码

广东省人民政府首页  >  要闻动态  >  广东要闻

【重磅】银监会发布网络小贷专项整治方案(附全文)

来源: 南方日报网络版     时间: 2018年12月11日 06:27:54
【字体:

手机网投平台可靠吗信誉平台官方,招龙虎和代理注册实力诚招代理Q扣99277339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站【重磅】银监会发布网络小贷专项整治方案(附全文)

深圳确定举办明年篮球3X3亚洲杯,将会成东京奥运会前重要比赛 阿里战略投资小鹏汽车 BAT齐聚汽车领域 许家印今天又立了大功,恒大帮再次拯救了国足! 刘国梁63岁接班人被德国日本轮番欺负!日乒一计划却成国际笑柄 安东尼成背锅侠?雷霆偏玩“一大四小”,效率低真心不怪他 夜读:据说,这七句话能“摆平”一切 粤港首回合战罢,广东队客场一分惜败 一新技能助力曼城赢下德比!蛰伏一季瓜帅武器库升级怎能不夺冠? 网络小贷再迎紧箍咒,黄奇帆说在重庆没有批过一个 谈股论金|震荡筑底仍将延续,急跌是买入机会 剧情反转!德国足协欲当面致歉!提出空场建议 欲与U20继续合作 五大球星退役赛季的表现!伯德依旧高效,拉塞尔场均19个篮板! 临近岁末,年终奖快到账了吧? 你准备投资点啥? 12月12日 一天体坛 女排新北长城问世!天津女排另一超新星持续爆发,郎平添未来王牌

(原)(标)(题)(:【重)(磅)(】银)(监)(会)(发)(布)(网)(络)(小)(贷)(专)(项)(整)(治)(方)(案)((附)(全)(文)()
12月)(11日)(傍)(晚)(,网)(贷)(之)(家)(获)(悉)(,银)(监)(会)(P2P网)(络)(借)(贷)(风)(险)(专)(项)(整)(治)(工)(作)(领)(导)(小)(组)(办)(公)(室)(已)(于)(12月)(8日)(发)(布)(《小)(额)(贷)(款)(公)(司)(网)(络)(小)(额)(贷)(款)(业)(务)(风)(险)(专)(项)(整)(治)(实)(施)(方)(案)(》(下)(文)(简)(称)(“整)(治)(方)(案)(”),旨)(在)(通)(过)(专)(项)(整)(治)(,严)(格)(网)(络)(小)(额)(贷)(款)(资)(质)(审)(批)(,规)(范)(网)(络)(小)(额)(贷)(款)(经)(营)(行)(为)(,严)(厉)(打)(击)(和)(取)(缔)(非)(法)(经)(营)(网)(络)(小)(额)(贷)(款)(的)(机)(构)(。
网)(贷)(之)(家)(研)(究)(院)(院)(长)(于)(百)(程)(认)(为)(,本)(次)(《小)(额)(贷)(款)(公)(司)(网)(络)(小)(额)(贷)(款)(业)(务)(风)(险)(专)(项)(整)(治)(实)(施)(方)(案)(》是)(对)(11月)(21日)(《关)(于)(立)(即)(暂)(停)(批)(设)(网)(络)(小)(额)(贷)(款)(公)(司)(的)(通)(知)(》及)(12月)(1日)(《关)(于)(规)(范)(整)(顿)(“现)(金)(贷)(”业)(务)(的)(通)(知)(》的)(细)(化)(文)(件)(,方)(案)(对)(于)(小)(贷)(公)(司)(网)(络)(小)(贷)(业)(务)(清)(理)(整)(顿)(做)(了)(全)(面)(部)(署)(,明)(确)(了)(具)(体)(要)(求)(和)(整)(治)(进)(度)(。发)(布)(时)(间)(与)(现)(金)(贷)(整)(顿)(通)(知)(仅)(隔)(了)(一)(周)(,效)(率)(很)(高)(,也)(反)(映)(出)(监)(管)(方)(对)(此)(问)(题)(的)(重)(视)(。
相)(比)(之)(前)(的)(两)(个)(通)(知)(,整)(治)(方)(案)(有)(以)(下)(新)(的)(内)(容)(需)(要)(关)(注)(:
对)(网)(络)(小)(额)(贷)(款)(给)(了)(明)(确)(定)(义)(,突)(出)(特)(定)(场)(景)(的)(贷)(款)(。
网)(络)(小)(额)(贷)(款)(是)(指)(互)(联)(网)(企)(业)(通)(过)(其)(控)(制)(的)(小)(额)(贷)(款)(公)(司)(,利)(用)(互)(联)(网)(向)(客)(户)(提)(供)(的)(小)(额)(贷)(款)(,具)(有)(通)(过)(互)(联)(网)(平)(台)(上)(获)(取)(借)(款)(人)(,运)(用)(互)(联)(网)(平)(台)(积)(累)(的)(客)(户)(经)(营)(、网)(络)(消)(费)(等)(特)(定)(场)(景)(信)(息)(等)(评)(定)(信)(用)(风)(险)(,在)(线)(上)(完)(成)(贷)(款)(全)(业)(务)(流)(程)(等)(特)(点)(。
此)(外)(,在)(贷)(款)(排)(查)(范)(围)(中)(,也)(要)(求)(排)(查)(是)(否)(发)(放)(无)(特)(定)(场)(景)(依)(托)(、无)(指)(定)(用)(途)(的)(网)(络)(小)(额)(贷)(款)(。言)(下)(之)(意)(,具)(有)(特)(定)(场)(景)(的)(贷)(款)(才)(是)(被)(监)(管)(允)(许)(的)(。不)(过)(对)(场)(景)(并)(没)(有)(给)(出)(更)(细)(的)(定)(义)(。
对)(网)(络)(小)(额)(贷)(款)(公)(司)(的)(审)(批)(,提)(出)(更)(严)(格)(具)(体)(的)(要)(求)(。
比)(如)(由)(计)(划)(单)(列)(市)(批)(设)(的)(相)(关)(机)(构)(,将)(由)(省)(级)(政)(府)(小)(额)(贷)(款)(公)(司)(监)(管)(部)(门)(和)(计)(划)(单)(列)(市)(小)(额)(贷)(款)(公)(司)(监)(管)(部)(门)(协)(商)(核)(查)(业)(务)(资)(质)(。在)(重)(新)(审)(查)(经)(营)(资)(质)(方)(面)(,主)(要)(审)(查)(发)(起)(股)(东)(资)(质)(、借)(款)(人)(来)(源)(、互)(联)(网)(场)(景)(、内)(生)(数)(据)(基)(础)(和)(数)(字)(化)(风)(控)(技)(术)(等)(方)(面)(的)(经)(营)(资)(质)(要)(求)(是)(否)(严)(格)(合)(理)(。
明)(确)(网)(络)(小)(额)(贷)(款)(整)(改)(明)(年)(3月)(底)(完)(成)(。
和)(互)(联)(网)(金)(融)(专)(项)(整)(治)(类)(似)(,对)(网)(络)(小)(额)(贷)(款)(整)(改)(提)(出)(了)(明)(确)(的)(进)(度)(要)(求)(,并)(按)(合)(规)(类)(、整)(改)(类)(和)(取)(缔)(类)(进)(行)(分)(类)(处)(置)(。比)(如)(2018年)(1月)(底)(前)(完)(成)(摸)(底)(排)(查)(,2018年)(3月)(底)(前)(完)(成)(分)(类)(处)(置)(,2018年)(4月)(底)(前)(完)(成)(总)(结)(报)(告)(。据)(网)(贷)(之)(家)(研)(究)(中)(心)(不)(完)(全)(统)(计)(,目)(前)(全)(国)(共)(批)(准)(了)(213家)(网)(络)(小)(贷)(牌)(照)(,监)(管)(审)(批)(机)(构)(相)(对)(清)(晰)(,不)(到)(4个)(月)(的)(时)(间)(完)(成)(分)(类)(整)(改)(,难)(度)(相)(对)(不)(算)(太)(大)(。
对)(资)(金)(来)(源)(以)(及)(合)(作)(方)(提)(出)(细)(化)(要)(求)(,强)(调)(资)(金)(的)(自)(有)(性)(和)(放)(贷)(的)(自)(主)(性)(。
提)(出)(排)(查)(网)(络)(小)(贷)(公)(司)(通)(过)(股)(东)(借)(款)(方)(式)(融)(入)(的)(资)(金)(是)(否)(为)(股)(东)(自)(有)(资)(金)(,对)(通)(过)(信)(贷)(资)(产)(转)(让)(、资)(产)(证)(券)(化)(等)(方)(式)(融)(资)(提)(出)(细)(化)(要)(求)(。与)(第)(三)(方)(机)(构)(合)(作)(开)(展)(贷)(款)(业)(务)(的)(,是)(否)(将)(授)(信)(审)(查)(、风)(险)(控)(制)(等)(核)(心)(业)(务)(外)(包)(,是)(否)(通)(过)("抽)(屉)(协)(议)("等)(方)(式)(接)(受)(无)(担)(保)(资)(质)(的)(第)(三)(方)(机)(构)(提)(供)(增)(信)(服)(务)(以)(及)(兜)(底)(承)(诺)(等)(变)(相)(增)(信)(服)(务)(,第)(三)(方)(机)(构)(是)(否)(向)(借)(款)(人)(收)(取)(息)(费)(,意)(在)(强)(调)(网)(络)(小)(贷)(公)(司)(放)(贷)(的)(自)(主)(性)(。
网)(贷)(之)(家)(注)(意)(到)(,本)(次)(专)(项)(整)(治)(主)(要)(排)(查)(小)(额)(贷)(款)(公)(司)(利)(用)(互)(联)(网)(开)(展)(小)(额)(贷)(款)(业)(务)(的)(合)(法)(合)(规)(性)(,打)(击)(无)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(甚)(至)(无)(放)(贷)(资)(质)(却)(经)(营)(网)(络)(小)(额)(贷)(款)(的)(机)(构)(。网)(贷)(之)(家)(注)(意)(到)(,此)(次)(整)(治)(突)(出)(排)(查)(和)(整)(治)(以)(下)(11个)(方)(面)(:
1、严)(格)(管)(理)(审)(批)(权)(限)(。
小)(额)(贷)(款)(公)(司)(的)(批)(设)(部)(门)(应)(符)(合)(国)(务)(院)(有)(关)(文)(件)(规)(定)(。对)(于)(不)(符)(合)(相)(关)(规)(定)(的)(已)(批)(设)(机)(构)(,要)(重)(新)(核)(查)(业)(务)(资)(质)(。已)(由)(计)(划)(单)(列)(市)(批)(设)(的)(相)(关)(机)(构)(,由)(省)(级)(政)(府)(小)(额)(贷)(款)(公)(司)(监)(管)(部)(门)(和)(计)(划)(单)(列)(市)(小)(额)(贷)(款)(公)(司)(监)(管)(部)(门)(协)(商)(核)(查)(业)(务)(资)(质)(。
2、重)(新)(审)(查)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(。
根)(据)(网)(络)(小)(额)(贷)(款)(业)(务)(的)(特)(点)(,根)(据)(国)(务)(院)(有)(关)(文)(件)(和)(当)(地)(现)(行)(有)(关)(制)(度)(规)(定)((当)(地)(无)(相)(关)(监)(管)(制)(度)(的)(应)(尽)(快)(补)(齐)(),主)(要)(审)(查)(发)(起)(股)(东)(资)(质)(、借)(款)(人)(来)(源)(、互)(联)(网)(场)(景)(、内)(生)(数)(据)(基)(础)(和)(数)(字)(化)(风)(控)(技)(术)(等)(方)(面)(的)(经)(营)(资)(质)(要)(求)(是)(否)(严)(格)(合)(理)(,核)(查)(获)(批)(经)(营)(资)(质)(的)(机)(构)(是)(否)(符)(合)(相)(关)(条)(件)(。
3、股)(权)(管)(理)(。
排)(查)(小)(额)(贷)(款)(公)(司)(的)(股)(东)(是)(否)(具)(有)(良)(好)(的)(,社)(会)(声)(誉)(、诚)(信)(记)(录)(、纳)(税)(记)(录)(和)(财)(务)(状)(况)(,是)(否)(符)(合)(法)(律)(法)(规)(规)(定)(和)(监)(管)(要)(求)(。运)(用)(穿)(透)(式)(监)(管)(手)(段)(,排)(查)(股)(东)(是)(否)(以)(委)(托)(资)(金)(、债)(务)(资)(金)(等)(非)(自)(有)(资)(金)(出)(资)(入)(股)(,是)(否)(委)(托)(他)(人)(或)(接)(受)(他)(人)(委)(托)(持)(有)(小)(额)(贷)(款)(公)(司)(股)(权)(。
4、表)(内)(融)(资)(。
排)(查)(小)(额)(贷)(款)(公)(司)(是)(否)(主)(要)(以)(自)(有)(资)(金)(从)(事)(放)(贷)(业)(务)(。是)(否)(进)(行)(非)(法)(集)(资)(、吸)(收)(或)(变)(相)(吸)(收)(公)(众)(存)(款)(。是)(否)(通)(过)(网)(络)(借)(贷)(信)(息)(中)(介)(机)(构)(融)(入)(资)(金)(。排)(查)(通)(过)(股)(东)(借)(款)(方)(式)(融)(入)(的)(资)(金)(是)(否)(为)(股)(东)(自)(有)(资)(金)(。
5、资)(产)(证)(券)(化)(等)(融)(资)(。
通)(过)(信)(贷)(资)(产)(转)(让)(、资)(产)(证)(券)(化)(,等)(方)(式)(融)(资)(的)(,排)(查)(是)(否)(符)(合)(有)(关)(规)(定)(,审)(批)((备)(案)()手)(续)(是)(否)(齐)(备)(,是)(否)(通)(过)(互)(联)(网)(、地)(方)(各)(类)(交)(易)(场)(所)(或)(线)(下)(协)(商)(方)(式)(销)(售)(、转)(让)(及)(变)(相)(转)(让)(本)(公)(司)(的)(信)(贷)(资)(产)(,穿)(透)(式)(核)(查)(最)(终)(投)(资)(者)(是)(否)(是)(合)(格)(投)(资)(者)(,其)(用)(于)(交)(易)(的)(基)(础)(资)(产)(是)(否)(是)(合)(法)(合)(规)(的)(信)(贷)(资)(产)(,不)(得)(直)(接)(或)(变)(相)(以)("现)(金)(贷)("、"校)(园)(贷)("、"首)(付)(贷)("等)(为)(基)(础)(资)(产)(发)(售)((类)()证)(券)(化)(产)(品)(或)(其)(他)(产)(品)(。以)(信)(贷)(资)(产)(转)(让)(、资)(产)(证)(券)(化)(等)(名)(义)(融)(入)(资)(金)(的)(比)(例)(按)(照)(《现)(金)(贷)(通)(知)(》有)(关)(要)(求)(执)(行)(。
6、综)(合)(实)(际)(利)(率)(。
将)(以)(利)(率)(和)(各)(种)(费)(用)(形)(式)(对)(借)(款)(人)(收)(取)(的)(所)(有)(借)(款)(成)(本)(与)(贷)(款)(本)(金)(的)(比)(例)(计)(算)(为)(综)(合)(实)(际)(利)(率)(,并)(折)(算)(为)(年)(化)(形)(式)(。排)(查)(综)(合)(实)(际)(利)(率)(是)(否)(符)(合)(最)(高)(人)(民)(法)(院)(关)(于)(民)(间)(借)(贷)(利)(率)(的)(规)(定)(。是)(否)(存)(在)(从)(贷)(款)(本)(金)(中)(先)(行)(扣)(除)(利)(息)(、手)(续)(费)(、管)(理)(费)(、保)(证)(金)(或)(设)(定)(高)(额)(逾)(期)(利)(息)(、带)(纳)(金)(、罚)(息)(等)(行)(为)(。综)(合)(实)(际)(利)(率)(、贷)(款)(额)(度)(、贷)(款)(期)(限)(、还)(款)(方)(式)(以)(及)(逾)(期)(处)(理)(等)(关)(键)(信)(息)(是)(否)(在)(事)(前)(向)(借)(款)(人)(全)(面)(、充)(分)(披)(露)(并)(提)(示)(相)(关)(风)(险)(。
7、贷)(款)(管)(理)(和)(催)(收)(行)(为)(。
排)(查)(是)(否)(建)(立)(较)(为)(完)(善)(的)(网)(络)(小)(额)(贷)(款)(风)(险)(控)(制)(体)(系)(,即)(全)(面)(考)(虑)(信)(用)(记)(录)(缺)(失)(、多)(头)(借)(款)(、欺)(诈)(等)(因)(素)(对)(贷)(款)(质)(量)(可)(能)(造)(成)(的)(影)(响)(,从)(借)(款)(人)(身)(份)(识)(别)(到)(贷)(款)(本)(息)(收)(回)(的)(全)(流)(程)(风)(控)(体)(系)(。是)(否)(充)(分)(评)(估)(和)(持)(续)(关)(注)(借)(款)(人)(的)(信)(用)(状)(况)(、偿)(付)(能)(力)(、贷)(款)(用)(途)(等)(,审)(慎)(确)(定)(综)(合)(实)(际)(利)(率)(、贷)(款)(额)(度)(、贷)(款)(期)(限)(、贷)(款)(用)(途)(限)(定)(、还)(款)(方)(式)(等)(。是)(否)(诱)(导)(借)(款)(人)(超)(过)(自)(身)(可)(负)(担)(能)(力)(过)(度)(举)(债)(,陷)(入)(债)(务)(陷)(阱)(。是)(否)(自)(行)(或)(委)(托)(第)(三)(方)(通)(过)(暴)(力)(、恐)(吓)(、侮)(辱)(、诽)(谤)(和)(骚)(扰)(等)(方)(式)(催)(收)(贷)(款)(。
8、贷)(款)(范)(围)(。
排)(查)(小)(额)(贷)(款)(公)(司)(是)(否)(在)(其)(监)(管)(部)(门)(批)(准)(的)(经)(营)(区)(域)(或)(业)(务)(范)(围)(外)(发)(放)(贷)(款)(。是)(否)(发)(放)(无)(特)(定)(场)(景)(依)(托)(、无)(指)(定)(用)(途)(的)(网)(络)(小)(额)(贷)(款)(。是)(否)(采)(取)(有)(效)(措)(施)(防)(范)(借)(款)(人)("以)(贷)(养)(贷)("和)("多)(头)(借)(贷)("等)(行)(为)(。是)(否)(发)(放)("校)(园)(贷)("和)("首)(付)(贷)("。是)(否)(发)(放)(贷)(款)(用)(于)(股)(票)(、期)(货)(等)(投)(机)(经)(营)(。
9、业)(务)(合)(作)(。
排)(查)(小)(额)(贷)(款)(公)(司)(是)(否)(与)(未)(履)(行)(网)(站)(备)(案)(手)(续)(或)(取)(得)(相)(应)(的)(电)(信)(业)(务)(经)(营)(许)(可)(的)(互)(联)(网)(平)(台)(合)(作)(发)(放)(网)(络)(小)(额)(贷)(款)(。是)(否)(与)(无)(放)(贷)(业)(务)(资)(质)(的)(机)(构)(共)(同)(出)(资)(发)(放)(贷)(款)(,是)(否)(为)(无)(放)(贷)(业)(务)(资)(质)(的)(机)(构)(提)(供)(资)(金)(发)(放)(贷)(款)(。与)(第)(三)(方)(机)(构)(合)(作)(开)(展)(贷)(款)(业)(务)(的)(,是)(否)(将)(授)(信)(审)(查)(、风)(险)(控)(制)(等)(核)(心)(业)(务)(外)(包)(,是)(否)(通)(过)("抽)(屉)(协)(议)("等)(方)(式)(接)(受)(无)(担)(保)(资)(质)(的)(第)(三)(方)(机)(构)(提)(供)(增)(信)(服)(务)(以)(及)(兜)(底)(承)(诺)(等)(变)(相)(增)(信)(服)(务)(,第)(三)(方)(机)(构)(是)(否)(向)(借)(款)(人)(收)(取)(息)(费)(。
10、信)(息)(安)(全)(。
排)(查)(小)(额)(贷)(款)(公)(司)(是)(否)(建)(立)(网)(络)(信)(息)(安)(全)(管)(理)(体)(系)(,是)(否)(妥)(善)(保)(管)(客)(户)(资)(料)(和)(交)(易)(信)(息)(,保)(护)(客)(户)(隐)(私)(。是)(否)(以)("大)(数)(据)("为)(名)(窃)(取)(或)(滥)(用)(客)(户)(隐)(私)(信)(息)(,非)(法)(买)(卖)(或)(泄)(露)(客)(户)(信)(息)(。
11、非)(法)(经)(营)(。
排)(查)(是)(否)(存)(在)(未)(经)(批)(准)(或)(不)(具)(备)(放)(贷)(资)(质)(的)(机)(构)(经)(营)(网)(络)(小)(额)(贷)(款)(业)(务)(,或)(者)(以)(其)(他)(各)(种)(名)(义)(支)(付)(款)(项)(但)(实)(质)(是)(经)(营)(网)(络)(小)(额)(贷)(款)(业)(务)(。充)(分)(利)(用)(举)(报)(平)(台)(等)(渠)(道)(,及)(时)(发)(现)(非)(法)(经)(营)(网)(络)(小)(额)(贷)(款)(业)(务)(有)(关)(线)(索)(,充)(分)(发)(挥)(社)(会)(监)(督)(作)(用)(。
此)(外)(,根)(据)(此)(次)(“整)(治)(方)(案)(”安)(排)(,P2P网)(络)(借)(贷)(风)(险)(专)(项)(整)(治)(工)(作)(领)(导)(小)(组)(办)(公)(室)(负)(责)(网)(络)(小)(额)(贷)(款)(风)(险)(专)(项)(整)(治)(工)(作)(的)(总)(体)(部)(署)(和)(重)(大)(事)(项)(的)(协)(调)(处)(理)(,制)(定)(专)(项)(整)(治)(实)(施)(方)(案)(,组)(织)(研)(究)(专)(项)(整)(治)(工)(作)(中)(遇)(到)(的)(新)(问)(题)(,适)(时)(赴)(各)(地)(对)(专)(项)(整)(治)(工)(作)(进)(行)(督)(导)(。
在)(各)(省)((区)(、市)(、计)(划)(单)(列)(市)()落)(实)(整)(治)(方)(案)(工)(作)(领)(导)(小)(组)(的)(统)(一)(领)(导)(下)(,按)(照)("谁)(审)(批)(、谁)(监)(管)(、谁)(担)(责)("的)(要)(求)(,各)(省)((区)(、市)(、计)(划)(单)(列)(市)()小)(额)(贷)(款)(公)(司)(监)(管)(部)(门)(具)(体)(负)(责)(本)(次)(专)(项)(整)(治)(工)(作)(,按)(进)(度)(推)(进)(摸)(底)(排)(查)(、分)(类)(处)(置)(等)(各)(项)(工)(作)(。按)(时)(做)(好)(专)(项)(整)(治)(工)(作)(总)(结)(汇)(报)(,提)(出)(长)(效)(机)(制)(建)(设)(建)(议)(。
根)(据)(“整)(治)(方)(案)(”要)(求)(,网)(络)(小)(贷)(的)(专)(项)(整)(治)(分)(以)(下)(三)(步)(走)(:
1、摸)(底)(排)(查)(阶)(段)(
对)(本)(地)(区)(网)(络)(小)(额)(贷)(款)(经)(营)(情)(况)(进)(行)(摸)(底)(排)(查)(,于)(2018年)(1月)(底)(前)(将)(摸)(底)(排)(查)(情)(况)(报)(P2P网)(络)(借)(贷)(风)(险)(专)(项)(整)(治)(工)(作)(领)(导)(小)(组)(办)(公)(室)(。
2、分)(类)(处)(置)(阶)(段)(
以)(摸)(底)(排)(查)(结)(果)(为)(基)(础)(,以)(法)(律)(法)(规)(和)(有)(关)(监)(管)(要)(求)(为)(依)(据)(,根)(据)(违)(法)(违)(规)(性)(质)(、情)(节)(轻)(重)(、风)(险)(程)(度)(和)(社)(会)(危)(害)(程)(度)(等)(因)(素)(对)(各)(类)(机)(构)(实)(施)(分)(类)(处)(置)(。此)(项)(工)(作)(于)(2018年)(3月)(底)(前)(完)(成)(。
具)(体)(分)(类)(处)(置)(方)(式)(如)(下)(:
合)(规)(类)(机)(构)(:对)(于)(已)(获)(得)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(的)(机)(构)(,按)(专)(项)(整)(治)(要)(求)(重)(新)(审)(查)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(,对)(确)(认)(符)(合)(资)(质)(要)(求)(、依)(法)(合)(规)(开)(展)(业)(务)(的)(纳)(入)(合)(规)(类)(机)(构)(继)(续)(实)(施)(有)(效)(监)(管)(,督)(促)(其)(规)(范)(经)(营)(。
整)(改)(类)(机)(构)(:一)(是)(对)(于)(已)(获)(得)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(,重)(新)(审)(查)(后)(发)(现)(不)(符)(合)(经)(营)(资)(质)(要)(求)(的)(,撤)(销)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(,严)(禁)(此)(类)(机)(构)(在)(其)(批)(设)(部)(门)(所)(辖)(行)(政)(区)(域)(外)(开)(展)(贷)(款)(业)(务)(,由)(机)(构)(提)(出)(整)(改)(计)(划)(,监)(管)(部)(门)(监)(督)(执)(行)(。二)(是)(对)(于)(已)(获)(得)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(,重)(新)(审)(查)(后)(确)(认)(符)(合)(资)(质)(要)(求)(,但)(在)(股)(权)(管)(理)(、融)(入)(资)(金)(、综)(合)(实)(际)(利)(率)(、贷)(款)(管)(理)(、贷)(款)(催)(收)(、贷)(款)(范)(围)(、业)(务)(合)(作)(、信)(息)(安)(全)(等)(方)(面)(不)(符)(合)(专)(项)(整)(治)(要)(求)(和)(有)(关)(规)(定)(的)(,责)(令)(限)(期)(整)(改)(。整)(改)(后)(验)(收)(合)(格)(的)(,继)(续)(实)(施)(有)(效)(监)(管)(,督)(促)(其)(规)(范)(经)(营)(,发)(生)(违)(法)(违)(规)(行)(为)(的)(视)(情)(节)(轻)(重)(采)(取)(相)(应)(监)(管)(措)(施)(。整)(改)(后)(验)(收)(不)(合)(格)(的)(,撤)(销)(网)(络)(小)(额)(贷)(款)(经)(营)(资)(质)(,并)(且)(依)(法)(予)(以)(处)(置)(,违)(法)(违)(规)(情)(节)(严)(重)(的)(坚)(决)(取)(缔)(,涉)(嫌)(非)(法)(集)(资)(的)(按)(照)(处)(置)(非)(法)(集)(资)(工)(作)(机)(制)(予)(以)(查)(处)(。
取)(缔)(类)(机)(构)(:对)(于)(未)(经)(批)(准)(或)(不)(具)(备)(放)(贷)(资)(质)(却)(经)(营)(网)(络)(小)(额)(贷)(款)(业)(务)(的)(机)(构)(,依)(法)(予)(以)(严)(厉)(打)(击)(和)(取)(缔)(,责)(令)(其)(停)(止)(开)(办)(网)(络)(小)(额)(贷)(款)(业)(务)(,涉)(嫌)(犯)(罪)(的)(,移)(送)(相)(关)(司)(法)(机)(关)(。
总)(结)(阶)(段)(
此)(外)(,“整)(治)(方)(案)(”要)(求)(,经)(过)(专)(项)(整)(治)(之)(后)(,形)(成)(本)(地)(区)(的)(整)(治)(总)(结)(情)(况)((含)(长)(效)(监)(管)(建)(议)()报)(送)(P2P网)(络)(借)(贷)(风)(险)(专)(项)(整)(治)(工)(作)(领)(导)(小)(组)(办)(公)(室)(,此)(项)(工)(作)(于)(2018年)(4月)(底)(前)(完)(成)(。
报)(送)(的)(整)(治)(总)(结)(情)(况)(需)(包)(含)(:
按)(编)(写)(说)(明)(编)(写)(的)(整)(治)(总)(结)(报)(告)(、长)(效)(监)(管)(建)(议)(、《本)(地)(区)(专)(项)(整)(治)(情)(况)(汇)(总)(表)(》、合)(规)(类)(机)(构)(及)(验)(收)(合)(格)(的)(机)(构)(填)(写)(的)(《小)(额)(贷)(款)(公)(司)(网)(络)(小)(额)(贷)(款)(经)(营)(情)(况)(表)(》。
最)(后)(,“整)(治)(方)(案)(”还)(要)(求)(长)(效)(监)(管)(建)(议)(包)(含)(但)(不)(限)(于)(以)(下)(内)(容)(:
针)(对)(全)(国)(范)(围)(内)(线)(上)(经)(营)(网)(络)(小)(额)(贷)(款)(业)(务)(的)(机)(构)(,跨)(区)(域)(线)(上)(、线)(下)(结)(合)(开)(展)(网)(络)(小)(额)(贷)(款)(的)(小)(额)(贷)(款)(公)(司)(以)(及)(在)(省)(级)(行)(政)(区)(域)(内)(经)(营)(线)(上)(贷)(款)(的)(小)(额)(贷)(款)(公)(司)(,分)(别)(提)(出)(定)(义)(、监)(管)(体)(制)(、准)(入)(条)(件)((注)(册)(资)(本)(、股)(东)(资)(质)(等)()、融)(资)(比)(例)((表)(内)(、表)(外)()、风)(控)(机)(制)(、信)(息)(披)(露)(、消)(费)(者)(权)(益)(保)(护)(措)(施)(等)(方)(面)(的)(监)(管)(建)(议)(。针)(对)(按)(《现)(金)(贷)(通)(知)(》要)(求)(,已)(经)(批)(准)(筹)(建)(、暂)(停)(批)(准)(开)(业)(的)(小)(额)(贷)(款)(公)(司)(,逐)(一)(提)(出)(评)(估)(和)(处)(置)(建)(议)(。
附)(《小)(额)(贷)(款)(公)(司)(网)(络)(小)(额)(贷)(款)(业)(务)(风)(险)(专)(项)(整)(治)(实)(施)(方)(案)(》全)(文)(:
)


相关文章

版权所有:南方新闻网 粤ICP备05070829 网站标识码4400000131
主办:南方新闻网 协办:广东省经济和信息化委员会 承办:南方新闻网
建议使用1024×768分辨率 IE7.0以上版本浏览器