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Guiding Opinions of the People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, et al, on Promoting the Sound Development of Internet Finance [Effective]
中国人民银行、工业和信息化部、公安部等关于促进互联网金融健康发展的指导意见 [现行有效]
【法宝引证码】

 
Guiding Opinions of the People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Finance, the State Administration for Industry and Commerce, the Legal Affairs Office, the China Banking Regulatory Commission, the China Securities Regulatory Commission, the China Insurance Regulatory Commission, and the Cyberspace Administration of China on Promoting the Sound Development of Internet Finance 

中国人民银行、工业和信息化部、公安部、财政部、工商总局、法制办、银监会、证监会、保监会、国家互联网信息办公室关于促进互联网金融健康发展的指导意见

July 18, 2015 (2015年7月14日 银发〔2015〕221号)

During the recent years, continuous breakthroughs have been made in Internet technology as well as information and communications technology, which has not only promoted the rapid integration of the Internet and finance, advanced financial innovation, and improved the efficiency of financial resources allocation, but has also revealed some problems and potential hazards. For the purposes of comprehensively implementing the spirit of the 18th National Congress of the Communist Party of China and the Second, Third and Fourth Plenary Sessions of the 18th CPC Central Committee, further promoting the innovation on financial reform and opening up, and advancing the sound development of Internet finance in accordance with the decision and deployment of the CPC Central Committee and the State Council and the overall requirements for “encouraging innovation, preventing risks, seeking advantages and avoiding disadvantages and sound development,” by starting from the overall situation of the sound development of the finance industry, the following opinions are hereby offered with the consent of the CPC Central Committee and the State Council. 近年来,互联网技术、信息通信技术不断取得突破,推动互联网与金融快速融合,促进了金融创新,提高了金融资源配置效率,但也存在一些问题和风险隐患。为全面贯彻落实党的十八大和十八届二中、三中、四中全会精神,按照党中央、国务院决策部署,遵循“鼓励创新、防范风险、趋利避害、健康发展”的总体要求,从金融业健康发展全局出发,进一步推进金融改革创新和对外开放,促进互联网金融健康发展,经党中央、国务院同意,现提出以下意见。
I. Encouraging innovation and supporting the steady development of Internet finance   一、鼓励创新,支持互联网金融稳步发展
Internet finance is a new financial business model in which traditional financial institutions and Internet companies (hereinafter collectively referred to as “practicing institutions”) use Internet technology and information and communications technology to provide financing, payment, investment and intermediary information services. As a general trend, the in-depth integration of Internet and finance will have a more profound impact on the financial products, business, organization, and services, etc. Internet finance has played an active role irreplaceable by the existing financial institutions in advancing the development of micro and small enterprises and expanding employment, and has opened the door for business startups by the public and mass innovation. Promoting the sound development of Internet finance is conducive to improving the quality and efficiency of financial services, deepening the financial reform, advancing the financial innovation and development, expanding the financial industry's opening up both domestically and internationally and the building of a multi-level financial system. As a new thing, Internet finance requires market drive, innovation encouragement and policy support to promote its development. 互联网金融是传统金融机构与互联网企业(以下统称从业机构)利用互联网技术和信息通信技术实现资金融通、支付、投资和信息中介服务的新型金融业务模式。互联网与金融深度融合是大势所趋,将对金融产品、业务、组织和服务等方面产生更加深刻的影响。互联网金融对促进小微企业发展和扩大就业发挥了现有金融机构难以替代的积极作用,为大众创业、万众创新打开了大门。促进互联网金融健康发展,有利于提升金融服务质量和效率,深化金融改革,促进金融创新发展,扩大金融业对内对外开放,构建多层次金融体系。作为新生事物,互联网金融既需要市场驱动,鼓励创新,也需要政策助力,促进发展。
1. Actively encouraging the innovation on the Internet financial platform, products and services so as to stimulate market vitality. Financial institutions such as banks, securities, insurance, funds, trusts, and consumer finance, etc. are encouraged to rely on Internet technology to realize the transformation and upgrading of traditional financial business and services and actively develop new products and services based on Internet technology. Qualified financial institutions shall be supported to construct an innovative Internet platform to provide Internet banking, Internet securities, Internet insurance, Internet fund sales, Internet consumer finance and other services. Internet enterprises shall be supported to set up Internet payment institutions, online lending platforms, equity crowd financing platforms and online financial product sales platforms according to the laws and regulations, and establish a multi-level financial service system that serves the real economy so as to better meet the investment and financing needs of micro, small and medium enterprises and individuals and to further expand the breadth and depth of inclusive finance. E-commerce enterprises shall be encouraged to build their own and improve the online financial services system under the conditions as prescribed in the financial laws and regulations and to effectively expand the business in the e-commerce supply chain. Practicing institutions shall be encouraged to actively conduct innovation on products, services, technology and management so as to enhance their core competitiveness. (一)积极鼓励互联网金融平台、产品和服务创新,激发市场活力。鼓励银行、证券、保险、基金、信托和消费金融等金融机构依托互联网技术,实现传统金融业务与服务转型升级,积极开发基于互联网技术的新产品和新服务。支持有条件的金融机构建设创新型互联网平台开展网络银行、网络证券、网络保险、网络基金销售和网络消费金融等业务。支持互联网企业依法合规设立互联网支付机构、网络借贷平台、股权众筹融资平台、网络金融产品销售平台,建立服务实体经济的多层次金融服务体系,更好地满足中小微企业和个人投融资需求,进一步拓展普惠金融的广度和深度。鼓励电子商务企业在符合金融法律法规规定的条件下自建和完善线上金融服务体系,有效拓展电商供应链业务。鼓励从业机构积极开展产品、服务、技术和管理创新,提升从业机构核心竞争力。
2. Encouraging practicing institutions to cooperate with each other to complement each other's advantages. All kinds of financial institutions and Internet enterprises shall be supported to conduct cooperation and establish a favorable Internet financial ecological environment and industrial chain. Banking financial institutions shall be encouraged to carry out business innovations and provide capital custody, payment and settlement and other supporting services for third-party payment institutions and online lending platforms. Micro and small financial service institutions shall be supported to carry out business cooperation with Internet enterprises to innovate their business models. Securities, funds, trust, consumer finance, futures institutions shall be supported to cooperate with Internet enterprises to broaden the sales channels of financial products and innovate the wealth management model. Insurance companies shall be encouraged to cooperate with Internet enterprises to enhance the risk withstanding capacity of Internet financial enterprises. (二)鼓励从业机构相互合作,实现优势互补。支持各类金融机构与互联网企业开展合作,建立良好的互联网金融生态环境和产业链。鼓励银行业金融机构开展业务创新,为第三方支付机构和网络贷款平台等提供资金存管、支付清算等配套服务。支持小微金融服务机构与互联网企业开展业务合作,实现商业模式创新。支持证券、基金、信托、消费金融、期货机构与互联网企业开展合作,拓宽金融产品销售渠道,创新财富管理模式。鼓励保险公司与互联网企业合作,提升互联网金融企业风险抵御能力。
3. Broadening the financing channels for practicing institutions and improving the financing environment. Private investors shall be supported to establish Internet finance industrial investment funds and promote in-depth cooperation between the practicing institutions and the venture capital institutions and industrial investment funds. Qualified high-quality practicing institutions shall be encouraged to be listed on the main board, the ChiNext and other domestic capital markets. Banking financial institutions shall be encouraged to support the practicing institutions at the start-up stage according to the various financial policies supporting the development of micro and small enterprises. Financial products and services shall be innovated according to the characteristics of the Internet enterprises. (三)拓宽从业机构融资渠道,改善融资环境。支持社会资本发起设立互联网金融产业投资基金,推动从业机构与创业投资机构、产业投资基金深度合作。鼓励符合条件的优质从业机构在主板、创业板等境内资本市场上市融资。鼓励银行业金融机构按照支持小微企业发展的各项金融政策,对处于初创期的从业机构予以支持。针对互联网企业特点,创新金融产品和服务。
4. Insisting on streamlining administrative procedures, delegating powers to lower levels and providing high-quality services. All financial supervision departments shall actively support financial institutions in their provision of Internet finance services. In accordance with the laws and regulations, efficient management shall be implemented for the provision of relevant financial services by qualified Internet enterprises. The administrative departments for industry and commerce shall support Internet enterprises in industrial and commercial registration. The competent telecommunications departments and the Internet information management departments of the state shall actively support the Internet finance business, competent telecommunications departments shall supervise the telecommunications business involved in the Internet finance business, and the Internet information management departments of the state shall be responsible for supervising the financial information services, and Internet information contents, etc.. Legislative research in the Internet finance field shall be actively conducted, relevant management rules shall be issued at appropriate time, and a favorable system environment conducive to the development of Internet finance shall be created. The patents, trademarks and other intellectual property rights of practicing institutions shall be better protected. People's governments at the provincial level shall be encouraged to increase the policy support for Internet finance. The establishment of professional Internet finance research institutions shall be supported, the construction of an Internet finance information exchange platform shall be encouraged, and Internet finance research shall be actively conducted. (四)坚持简政放权,提供优质服务。各金融监管部门要积极支持金融机构开展互联网金融业务。按照法律法规规定,对符合条件的互联网企业开展相关金融业务实施高效管理。工商行政管理部门要支持互联网企业依法办理工商注册登记。电信主管部门、国家互联网信息管理部门要积极支持互联网金融业务,电信主管部门对互联网金融业务涉及的电信业务进行监管,国家互联网信息管理部门负责对金融信息服务、互联网信息内容等业务进行监管。积极开展互联网金融领域立法研究,适时出台相关管理规章,营造有利于互联网金融发展的良好制度环境。加大对从业机构专利、商标等知识产权的保护力度。鼓励省级人民政府加大对互联网金融的政策支持。支持设立专业化互联网金融研究机构,鼓励建设互联网金融信息交流平台,积极开展互联网金融研究。
5. Implementing and improving the relevant fiscal policies. Under the principle of tax fairness, practicing institutions with a small business scale at the start-up stage that meet the conditions of the tax policies currently in force for small and medium-sized enterprises, especially micro and small enterprises, may enjoy the preferential tax policies under the provisions. In consideration of the reform of replacing business tax with value-added tax in the financial industry, the tax policies for Internet finance shall be improved in an overall manner. The policies for the weighted pre-tax deduction of research and development expenses of the practicing institutions for the new technologies and new products shall be implemented. (五)落实和完善有关财税政策。按照税收公平原则,对于业务规模较小、处于初创期的从业机构,符合我国现行对中小企业特别是小微企业税收政策条件的,可按规定享受税收优惠政策。结合金融业营业税改征增值税改革,统筹完善互联网金融税收政策。落实从业机构新技术、新产品研发费用税前加计扣除政策。
6. Promoting the construction of credit infrastructure and cultivating an Internet finance supporting service system. Infrastructure construction in the storage of big data, network and information security maintenance, etc. shall be supported. Practicing institutions shall be encouraged to establish credit information sharing platforms according to law. Relevant qualified practicing institutions shall be urged to access the financial credit information infrastructure database. Qualified practicing institutions shall be permitted to apply for credit business licenses. Qualified credit intermediary organizations shall be supported to carry out credit rating for Internet enterprises so as to enhance the market information transparency. Accounting, auditing, legal, consulting and other intermediary service institutions shall be encouraged to provide Internet enterprises with relevant professional services. (六)推动信用基础设施建设,培育互联网金融配套服务体系。支持大数据存储、网络与信息安全维护等技术领域基础设施建设。鼓励从业机构依法建立信用信息共享平台。推动符合条件的相关从业机构接入金融信用信息基础数据库。允许有条件的从业机构依法申请征信业务许可。支持具备资质的信用中介组织开展互联网企业信用评级,增强市场信息透明度。鼓励会计、审计、法律、咨询等中介服务机构为互联网企业提供相关专业服务。
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