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Notice by the Beijing Office of the China Banking and Insurance Regulatory Commission of Regulating the Bank and Fintech Cooperation Business and the Internet Insurance Business [Effective]
北京银保监局关于规范银行与金融科技公司合作类业务及互联网保险业务的通知 [现行有效]
【法宝引证码】

Notice by the Beijing Office of the China Banking and Insurance Regulatory Commission of Regulating the Bank and Fintech Cooperation Business and the Internet Insurance Business 

北京银保监局关于规范银行与金融科技公司合作类业务及互联网保险业务的通知

(No. 310 [2019] of Beijing Office of the China Banking and Insurance Regulatory Commission) (京银保监发〔2019〕310号)

All large state-controlled commercial banks and all joint-stock commercial banks within the jurisdiction of Beijing Municipality, Bank of Beijing, Beijing Rural Commercial Bank, Beijing Zhongguancun Bank, all village banks within the jurisdiction of Beijing Municipality, Beijing branches of all city commercial banks, all foreign-funded banks within the jurisdiction of Beijing Municipality, all bank card centers within the jurisdiction of Beijing Municipality, Beijing branches of all insurance companies, head offices of all insurance companies having operating business in Beijing, and all professional insurance intermediaries in Beijing: 辖内各国有控股大型商业银行、辖内各股份制商业银行、北京银行、北京农商银行、北京中关村银行、辖内各村镇银行、各城市商业银行北京分行、辖内各外资银行、辖内各卡中心、各保险公司北京分公司、各在京经营业务保险公司总公司、各在京保险专业中介机构:
For the purposes of regulating the bank and Fintech cooperation business and the Internet insurance business within the jurisdiction of Beijing Municipality, encouraging banking and insurance institutions to strengthen risk control and compliance management, and effectively preventing external risks, the relevant regulatory requirements are hereby notified as follows: 为规范辖内银行与金融科技公司合作类业务及互联网保险业务,促进银行保险机构加强风险管控和合规管理,有效防范外部风险传染,现就相关监管要求通知如下:
I. Bank and Fintech cooperation business   一、关于银行与金融科技公司合作类业务
For the purpose of the Notice, Fintech companies (hereinafter referred to as the “cooperation institutions") mean the enterprises that cooperate with banking financial institutions in such fields as marketing, customer acquisition, risk control and operation by providing technologies or user scenarios, including but not limited to: Internet enterprises laying emphasis on both financial business and technology innovation; private banks, direct banks, insurance companies, insurance intermediaries and Fintech subsidiaries of banks, which carry out business operations mainly over the Internet; enterprises that engage in financial business, brokerage business, intermediary services and information services by using new technologies or over the Internet; and enterprises that provide data or technical services. The scope of cooperation business includes but is not limited to credit operation, on- and off-balance sheet investment, customer and product promotion, credit card, payment, data information, and technical services. 本意见规范对象金融科技公司(以下简称“合作机构”)是指通过输出技术或提供场景,与银行业金融机构在营销、获客、风控、运营等领域开展合作的企业。包括但不限于:在金融业务与技术输出方面同时布局的互联网企业; 主要依托互联网展业的民营银行、直销银行、保险公司、保险中介机构及银行系金融科技子公司;利用新技术或依托互联网从事类金融业务、经纪类业务、中介服务及信息服务的企业;提供数据或技术服务的企业等。合作类业务范围包括但不限于信贷、表内外投资、客户和产品推介、信用卡、支付、数据信息和技术服务等方面。
1. Legally and prudently carrying out cooperation business (一)依法审慎开展合作类业务
Following the laws and compliance rules, not surpassing the business scope of commercial banks, not evading regulatory provisions by virtue of external cooperation; continuing to give priority to internal control, and developing in advance the management rules and operational procedures that cover all business links; implementing the primary responsibility of risk prevention and control, and including the risk management of cooperation business in the comprehensive risk management system; and properly controlling the pace of business development, and carrying out a pilot program to promote the business step by step at the early stage. 以依法合规为前提,不得突破商业银行经营范围,不得借助外部合作规避监管规定。坚持内控先行,预先制定覆盖全部业务环节的管理制度和操作规程。落实风险防控主体责任,将对合作类业务的风险管理纳入全面风险管理体系。合理把控业务节奏,业务发展初期,以试点等方式循序渐进开展。
2. Strengthening the management of cooperation institutions (二)加强合作机构管理
(1) Establishing an access, evaluation and exit mechanism 1.建立准入、评估和退出机制
Creating a name list for the management of cooperation institutions, prudently establishing access criteria, conducting due diligence, and selecting institutions for cooperation with good integrity, standardized business conduct, proper internal management, advanced technologies, and a secure and stable system; improving the approval process, reporting the access of cooperation institutions to the head offices of banks for approval, and prohibiting unauthorized cooperation; regularly assessing the qualification and creditworthiness of cooperation institutions, establishing a risk early warning mechanism, and providing more forward-looking risk management; immediately terminating the cooperation with enterprises showing risk warning signals, having potential risks, or violating laws or regulations; prohibiting cooperation with enterprises engaging in illegal financial activities in the name of financial technologies; prohibiting cooperation with enterprises obtaining credit funds by fabricating transaction background or loan purposes; prohibiting cooperation with enterprises collecting loans by illegal means; and prohibiting cooperation with enterprises stealing, misusing, illegally selling or buying or disclosing customer information in the name of "big data". 对合作机构实行名单制管理,审慎制定准入标准,开展尽职调查,甄选信用状况良好、经营行为规范、内部管理健全、核心技术成熟、系统安全稳定的机构开展合作。完善审批流程,合作机构准入应报总行审批,严禁未经授权开展合作。定期评估合作机构资质和信用情况,建立风险预警机制,提升风险管理前瞻性。对于出现风险预警信号、存在潜在风险隐患和违法违规行为的合作机构,应及时终止合作。严禁与以金融科技之名从事非法金融活动的企业开展合作;严禁与虚构交易背景或贷款用途,套取信贷资金的企业开展合作;严禁与以非法手段催收贷款的企业开展合作;严禁与以“大数据”为名窃取、滥用、非法买卖或泄露客户信息的企业开展合作。
2. Clarifying the division of responsibilities in cooperation, and properly disclosing information 2.清晰界定合作中的权责划分,做好信息披露
Strictly and prudently producing the agreement terms with cooperation institutions, and clarifying the division of responsibilities in terms of risk sharing, information disclosure, risk disclosure, transfer of client information and information confidentiality, service arrangements, complaint and emergency handling; fully disclosing the information on cooperation business and the respective responsibilities of all cooperating parties, revealing risks in cooperation business, and expressly indicating fee collectors, charging items and criteria, ensuring clients' right to know and right to choose, and preventing the spreading of risks from cooperation institutions to banks. 严格审慎制定与合作机构的协议条款,在风险承担、信息披露、风险揭示、客户信息传递及信息保密、服务安排、投诉和应急处理等方面,明晰权责边界。充分披露合作业务信息及合作各方的责任边界,揭示合作业务风险,明示收费主体、项目和标准,保证客户知情权和自主选择权,防止合作机构风险向银行传导。
3. Regulating the cooperation in online lending business (三)规范开展线上贷款业务合作
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