| Notice of the General Office of the China Banking Regulatory Commission on Issuing the Guidelines for the Disclosure of Information on the Business Activities of Online Lending Information Intermediary Institutions | | 中国银监会办公厅关于印发网络借贷信息中介机构业务活动信息披露指引的通知 |
| (No. 113 [2017] of the General Office of the China Banking Regulatory Commission) | | （银监办发[2017]113号） |
| All local offices of the China Banking Regulatory Commission (“CBRC”); and the financial offices (bureaus) of people's governments of all provinces, autonomous regions and municipalities directly under the Central Government: | | 各银监局，各省、自治区、直辖市人民政府金融办（局）： |
| In accordance with the work arrangements and requirements of the Interim Measures for the Administration of Business Activities of Online Lending Information Intermediary Institutions on the establishment of rules for the disclosure of information on online lending information intermediary institutions, the CBRC has conducted research to develop the Guidelines for the Disclosure of Information on the Business Activities of Online Lending Information Intermediary Institutions, which are hereby issued to you for your actual compliance and implementation. | | 根据《网络借贷信息中介机构业务活动管理暂行办法》关于建立网络借贷信息中介机构信息披露制度的工作部署和要求，银监会研究制定了《网络借贷信息中介机构业务活动信息披露指引》，现印发给你们，请结合实际贯彻执行。 |
| Annex: Explanation on the Content of Disclosed Information | | 附件：信息披露内容说明 |
| August 23, 2017 | | 2017年8月23日 |
| Guidelines for the Disclosure of Information on the Business Activities of Online Lending Information Intermediary Institutions | | 网络借贷信息中介机构业务活动信息披露指引 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of regulating the disclosure of information on business activities of online lending information intermediary institutions, safeguarding the lawful rights and interests of subjects participating in the business activities of online lending information intermediary institutions, establishing an objective, fair and transparent environment of online lending information intermediary business activities, and promoting the sound development of the online lending industry, these Guidelines are developed in accordance with the General Principles of the Civil Law of the People's Republic of China, the Guiding Opinions on Promoting the Sound Development of Internet Finance, the Interim Measures for the Administration of Business Activities of Online Lending Information Intermediary Institutions, and other relevant laws and regulations. | | 第一条 为规范网络借贷信息中介机构业务活动信息披露行为，维护参与网络借贷信息中介机构业务活动主体的合法权益，建立客观、公平、透明的网络借贷信息中介业务活动环境，促进网络借贷行业健康发展，依据《中华人民共和国民法通则》《关于促进互联网金融健康发展的指导意见》《网络借贷信息中介机构业务活动管理暂行办法》等法律法规，制定本指引。 |
| Article 2 For the purposes of these Guidelines, “information disclosure” means the disclosure of the basic information, operation information, project information, major risk information, consumer consultation and complaint channel information and other relevant information to the public by online lending information intermediary institutions and their branches through their official websites and other Internet channels. | | 第二条 本指引所称信息披露，是指网络借贷信息中介机构及其分支机构通过其官方网站及其他互联网渠道向社会公众公示网络借贷信息中介机构基本信息、运营信息、项目信息、重大风险信息、消费者咨询投诉渠道信息等相关信息的行为。 |
| Article 3 An online lending information intermediary institution shall set a special column of information disclosure on the conspicuous position of its official website and the Internet channels providing online lending information intermediary services to show disclosed information. The disclosed words shall be accurate, concise, rigorous, and easy to understand. | | 第三条 网络借贷信息中介机构应当在其官方网站及提供网络借贷信息中介服务的网络渠道显著位置设置信息披露专栏，展示信息披露内容。披露用语应当准确、精练、严谨、通俗易懂。 |
| Article 4 Other Internet channels include mobile phone application software, WeChat official account, microblog and other social media channels of online lending information intermediary institutions and other Internet platforms authorized by online lending information intermediary institutions to disclose information. Information disclosed via all channels shall be consistent. | | 第四条 其他互联网渠道包括网络借贷信息中介机构手机应用软件、微信公众号、微博等社交媒体渠道及网络借贷信息中介机构授权开展信息披露的其他互联网平台。各渠道间披露信息内容应当保持一致。 |
| Article 5 Information shall be disclosed under the principles of “authenticity, accuracy, completeness and timeliness,” and shall not have any false records, misleading statements, major omissions or delayed disclosure. | | 第五条 信息披露应当遵循“真实、准确、完整、及时”原则，不得有虚假记载、误导性陈述、重大遗漏或拖延披露。 |
| Article 6 The content of disclosed information shall comply with the relevant provisions of laws and regulations on state secrets, trade secrets and personal privacy. | | 第六条 信息披露内容应当符合法律法规关于国家秘密、商业秘密、个人隐私的有关规定。 |
| Chapter II Content of Disclosed Information | | 第二章 信息披露内容 |
| Article 7 An online lending information intermediary institution shall disclose the following information to the public. | | 第七条 |
| (1) Information granted recordation by the online lending information intermediary institution | | （一） 网络借贷信息中介机构备案信息 |
| (a) Information of the online lending information intermediary institution granted recordation and registration by the local financial regulatory department. | | 1. 网络借贷信息中介机构在地方金融监管部门的备案登记信息； |
| (b) Information on the telecommunications business license obtained by the online lending information intermediary institution. | | 2. 网络借贷信息中介机构取得的电信业务经营许可信息； |
| (c) Information on fund depository and management of the online lending information intermediary institution. | | 3. 网络借贷信息中介机构资金存管信息； |
| (d) Website recordation icon and number issued by the public security authority and obtained by the online lending information intermediary institution. | | 4. 网络借贷信息中介机构取得的公安机关核发的网站备案图标及编号； |
| (e) Information on the risk management of the online lending information intermediary institution. | | 5. 网络借贷信息中介机构风险管理信息。 |
| (2) Organization information of the online lending information intermediary institution | | （二） 网络借贷信息中介机构组织信息 |
| (a) Industrial and commercial information of the online lending information intermediary institution, including the full name, abbreviation, uniform social credit code, registered capital, paid-in registered capital, registered address, business address, date of formation, operation term, operation status, information on major personnel (including legal representative, actual controller, directors, supervisors and senior executives), and business scope of the online lending information intermediary institution. | | 1. 网络借贷信息中介机构工商信息，应当包含网络借贷信息中介机构全称、简称、统一社会信用代码、注册资本、实缴注册资本、注册地址、经营地址、成立时间、经营期限、经营状态、主要人员（包括法定代表人、实际控制人、董事、监事、高级管理人员）信息、经营范围； |
| (b) Information on shareholders of the online lending information intermediary institution, including full names and shareholding ratios of the shareholders. | | 2. 网络借贷信息中介机构股东信息，应当包含股东全称、股东股权占比； |
| (c) Organizational structure and profile of employees of the online lending information intermediary institution. | | 3. 网络借贷信息中介机构组织架构及从业人员概况； |
| (d) Industrial and commercial information of branches of the online lending information intermediary institution, including full name, locality, date of formation, name of principal person in charge, contact number, complaint hotline, and number of employees of the branches. If there are many branches, their industrial and commercial information shall be specified one by one. | | 4. 网络借贷信息中介机构分支机构工商信息，应当包含分支机构全称、分支机构所在地、分支机构成立时间、分支机构主要负责人姓名，分支机构联系电话、投诉电话，员工人数；存在多个分支机构的应当逐一列明； |
| (e) Information on the official website, official mobile application and other official Internet channels of the online lending information intermediary institution. If there are many official channels, they shall be specified one by one. | | 5. 网络借贷信息中介机构官方网站、官方手机应用及其他官方互联网渠道信息；存在多个官方渠道的应当逐一列明。 |
| (3) Examination information of the online lending information intermediary institution | | （三） 网络借贷信息中介机构审核信息 |
| (a) Financial audit report of the online lending information intermediary institution in the last year. | | 1. 网络借贷信息中介机构上一年度的财务审计报告； |
| (b) Audit results of key links of operation regulatory compliance of the online lending information intermediary institution. | | 2. 网络借贷信息中介机构经营合规重点环节的审计结果； |
| (c) Regulatory compliance examination report of the online lending information intermediary institution in the last year. | | 3. 网络借贷信息中介机构上一年度的合规性审查报告。 |
| The online lending information intermediary institution shall disclose information in items (1) and (2) of this article before January 10 each year, and shall disclose information in item (3) of this article before April 30 each year. If any of the aforesaid information changes, the online lending information intermediary institution shall update the disclosed information within ten working days after such change. | | 网络借贷信息中介机构应当于每年1月10日前披露本条款（一）、（二）项信息；应当于每年4月30日前披露本条款（三）项信息。若上述任一信息发生变更，网络借贷信息中介机构应当于变更后10个工作日内更新披露信息。 |
| Article 8 The online lending information intermediary institution shall, within the first five working days of each month, disclose to the public the following information of dealings matched by the online lending information intermediary institution until the end of last month: | | 第八条 网络借贷信息中介机构应当在每月前5个工作日内，向公众披露截至于上一月末经网络借贷信息中介机构撮合交易的如下信息： |
| (1) Accumulative amount and number of lending by the online lending information intermediary institution since its formation. | | （一） 自网络借贷信息中介机构成立以来的累计借贷金额及笔数； |
| (2) Balance and number of lending. | | （二） 借贷余额及笔数； |
| (3) Accumulative number of lenders and accumulative number of borrowers. | | （三） 累计出借人数量、累计借款人数量； |
| (4) Current number of lenders and current number of borrowers. | | （四） 当期出借人数量、当期借款人数量； |
| (5) The proportion of outstanding amount of the top ten borrowers, and the proportion of outstanding amount of the largest single borrower. | | （五） 前十大借款人待还金额占比、最大单一借款人待还金额占比； |
| (6) The balance and number of affiliated relation lending. | | （六） 关联关系借款余额及笔数； |
| (7) Overdue amount and number. | | （七） 逾期金额及笔数； |
| (8) Amount and number of lending overdue for more than 90 days (exclusive). | | （八） 逾期90天（不含）以上金额及笔数； |
| (9) The accumulative compensatory amount and number. | | （九） 累计代偿金额及笔数； |
| (10) Charging standards. | | （十） 收费标准； |
| (11) Other operation information. | | （十一） 其他经营信息。 |
| Article 9 An online lending information intermediary institution shall, in a timely manner, disclose the following information to the lender: | | 第九条 网络借贷信息中介机构应当及时向出借人披露如下信息： |
| (1) Basic information on the borrower, including the subject nature of the borrower (natural person, legal person or any other organization), the industry to which the borrower belongs, revenue and liabilities of the borrower, overdue information in the credit report of the borrower within the six months before the borrowing, and information on borrowings by the borrower through other online lending platforms. | | （一） 借款人基本信息，应当包含借款人主体性质（自然人、法人或其他组织）、借款人所属行业、借款人收入及负债情况、截至借款前6个月内借款人征信报告中的逾期情况、借款人在其他网络借贷平台借款情况； |
| (2) Basic information on the project, including project name and profile, borrowing amount, borrowing term, borrowing purpose, repayment method, annual interest rate, value date, repayment source, and repayment guarantee measures. | | （二） 项目基本信息，应当包含项目名称和简介、借款金额、借款期限、借款用途、还款方式、年化利率、起息日、还款来源、还款保障措施； |
| (3) Project risk assessment and possible risk results. | | （三） 项目风险评估及可能产生的风险结果； |
| (4) Information on the project matched but not matured, including the information on the use of borrowed funds, the borrower's operation condition and financial position, change in the borrower's repayment ability, the borrower's overdue repayment, the borrower's involvement in lawsuit, the administrative penalty imposed on the borrower and other major information that may affect the borrower's repayment. | | （四） 已撮合未到期项目有关信息，应当包含借款资金运用情况、借款人经营状况及财务状况、借款人还款能力变化情况、借款人逾期情况、借款人涉诉情况、借款人受行政处罚情况等可能影响借款人还款的重大信息。 |
| The online lending information intermediary institution shall, before the lender confirms to lend funds to the borrower, disclose to the lender the content in items (1), (2) and (3) of this article. | | 本条款（一）、（二）、（三）项内容，网络借贷信息中介机构应当于出借人确认向借款人出借资金前向出借人披露。 |
| The online lending information intermediary institution shall, on a monthly basis (within the first five working days of each month), disclose the content in item (4) of this article to the lender if the borrowing term is not more than six months. If the borrowing term exceeds six months, the online lending information intermediary institution shall disclose such content to the lender on a quarterly basis (within the first five working days of each quarter). Under any circumstance that is sufficient to lead to the borrower's inability to make repayment in full amount within the agreed term, the online lending information intermediary institution shall disclose such content to the lender in a timely manner. | | 本条款（四）项内容，若借款期限不超过六个月，网络借贷信息中介机构应当按月（每月前5个工作日内）向出借人披露；若借款期限超过六个月，网络借贷信息中介机构应当按季度（每季度前5个工作日内）向出借人披露。若已发生足以导致借款人不能按约定期限足额还款的情形时，网络借贷信息中介机构应当及时向出借人披露。 |
| The lender shall keep confidential the information on the borrower, shall not illegally collect, use, process or transmit personal information of the borrower, or illegally trade, provide or disclose personal information of the borrower. | | 出借人应当对借款人信息予以保密，不得非法收集、使用、加工、传输借款人个人信息，不得非法买卖、提供或者公开借款人个人信息。 |
| Article 10 Where an online lending information intermediary institution or its branch falls under any of the following circumstances, it shall disclose to the public the cause of the event, the current status, possible impact and measures taken within 48 hours after occurrence of the circumstance. | | 第十条 网络借贷信息中介机构或其分支机构发生下列情况之一的，网络借贷信息中介机构应当于发生之日起48小时内将事件的起因、目前的状态、可能产生的影响和采取的措施向公众进行披露。 |
| (1) The company reduces its capital, conducts business combination or division, is dissolved or applies for bankruptcy. | | （一） 公司减资、合并、分立、解散或申请破产； |
| (2) The company enters bankruptcy proceedings in accordance with the law. | | （二） 公司依法进入破产程序； |
| (3) The company is ordered to cease business operation, make rectification, or close down. | | （三） 公司被责令停业、整顿、关闭； |
| (4) The company is involved in any major litigation or arbitration, or is suspected of violating any law or regulation and thus is investigated by the competent authority, or is subject to criminal punishment or major administrative penalty. | | （四） 公司涉及重大诉讼、仲裁，或涉嫌违法违规被有权机关调查，或受到刑事处罚、重大行政处罚； |
(5) The company's legal representative, actual controller or principal person in charge, or any of the company's directors, supervisors or senior executives is involved in any major litigation, arbitration, or suspected of violating any law or discipline and thus is investigated by the competent authority, or is subject to criminal punishment, major administrative penalty, or any compulsory measure.
．．．．．． | | （五） 公司法定代表人、实际控制人、主要负责人、董事、监事、高级管理人员涉及重大诉讼、仲裁，或涉嫌违法违纪被有权机关调查，或受到刑事处罚、重大行政处罚，或被采取强制措施；
．．．．．． |
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