CBRC rectifies digital currency
on September 4, 2017, the people's Bank of China and other seven ministries and commissions issued the "notice on preventing the financing risk of token issuance", which cleaned up the ICO and virtual currency trading venues. The scale of domestic virtual currency transactions decreased significantly, effectively avoiding the impact of virtual currency prices on China's financial market.
As of May 2020, blockchain and digital currency are illegal in China
according to the announcement of the people's Bank of China Central Network Information Office, Ministry of instry and information technology, State Administration for Instry and commerce, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission on preventing the risks of token issuance and financing, Article 2 no organization or indivial shall illegally engage in token issuance and financing activities. Organizations and indivials that have completed the token issuance and financing should make arrangements such as refund, reasonably protect the rights and interests of investors, and properly handle risks. Relevant departments will seriously investigate and deal with the activities of token issuance and financing that refuse to stop and the illegal behaviors in completed token issuance and financing projects
Article 3 strengthen the management of token financing trading platform
from the date of this announcement, any so-called token financing trading platform shall not engage in the exchange business between legal currency and token and "virtual currency", and shall not buy or sell token or "virtual currency" as a central counter party, and shall not provide pricing for token or "virtual currency" Information intermediary and other services
extension data
"illegal financial institutions and illegal financial business activities ban" stipulates that:
eleventh, the criminal suspect, funds and property involved in illegal financial institutions and illegal financial activities, and the public security organs shall take compulsory measures according to law to prevent suspect from escaping and transferring funds and property. p>
Article 12 the people's Bank of China shall, after investigation and confirmation, make a decision to ban the illegal financial institutions and financial business activities, declare them illegal, order them to stop all business activities, and make an announcement
Article 13 if the people's Bank of China discovers that a financial institution opens an account, handles settlement and provides loans for an illegal financial institution or illegal financial business activities, it shall order the financial institution to stop the relevant business activities immediately. No unit or indivial may use the relevant funds without authorizationIt's a routine. These cars are old actors
"influencer" refers to a person who is popular because of a certain event or behavior in real or online life and is concerned by netizens, or who continuously outputs professional knowledge for a long time
their popularity is magnified under the influence of the Internet because of their own characteristics, which is consistent with the psychology of netizens, such as aesthetics, ugliness, entertainment, stimulation, peeping, imagination, taste and spectators. They are sought after by the Internet world intentionally or unintentionally and become "Internet celebrities". Therefore, the emergence of "Internet celebrities" is not spontaneous, but the result of the comprehensive effect of the interest community such as Internet Celebrities, Internet promoters, traditional media and audience psychological needs under the network media environment
today's cultural circle, especially the mass culture circle, is no longer simple. Film, television, literature, music, traditional art, and the other wonderful programs in these fields can not be as many as the predecessors of the more than 20 years ago, and become the collective memories of all Chinese people. The red net people created by the popular Carnival are regarded as "a noisy bubble" by many people. p>
this is the result of a pluralistic era, not the result of manpower. In this colorful scene, some people are tired of slandering and quarreling and feel disappointed, while others feel like fish in water because they have countless free choices. So, what's the difference between the Internet Celebrities and the traditional celebrities? In the final analysis, it's just the different platforms to become famous
There are three generations of Internet Celebrities: first, Internet Celebrities in the era of writing; 2、 The Internet Celebrities in the era of pictures and texts; 3、 Internet Celebrities in broadband era
There are some in the light of foreign exchange 110
according to the notice of the general office of the State Council on printing and distributing the provisions on the main functions, internal institutions and staffing of the China Banking Regulatory Commission (GBF [2003] No. 30), the main responsibilities of the China Banking Regulatory Commission are as follows:
1; Draft relevant laws and administrative regulations, and put forward suggestions for formulation and revision
2. Examine and approve the establishment, change, termination and business scope of banking financial institutions and their branches
3. On site and off-site supervision shall be carried out on the banking financial institutions, and illegal behaviors shall be investigated and dealt with in accordance with the law
4. Review the qualification of senior managers of banking financial institutions
5. Be responsible for the unified compilation of the data and statements of the national banking financial institutions, them to the people's Bank of China, and publish them in accordance with the relevant provisions of the state
6. Put forward opinions and suggestions on emergency risk disposal of deposit financial institutions in conjunction with the Ministry of finance, the people's Bank of China and other departments
7. Responsible for the daily management of the board of supervisors of key state-owned banking financial institutions< To undertake other tasks assigned by the State Council
warm tips: the above explanations are for reference only, without any suggestions
response time: February 9, 2021. Please refer to the official website of Ping An Bank for the latest business changes
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multi lending refers to the behavior of the same borrower in two or more financial institutions. Generally speaking, when a borrower has a multi lending situation, it indicates that the borrower's capital demand is more difficult, and there is a greater risk of dishonesty. At this time, the bank and online lending platform will refuse to lend to the borrower
in a series of regulatory and rectification measures on online lending issued by the CBRC last year, the phenomenon of opposing multi lending was specifically mentioned, which showed that the regulatory authorities rectified the chaos in the online lending instry, and stressed that the lending institutions should strengthen risk control, and audit the financial situation of borrowers, changes in repayment ability, overe situation of borrowers, etc, And this new rule also means to oppose the phenomenon of long lending to some extent<
with the strict supervision and rectification of cash loans and P2P online loans by the CBRC, it is true that for the generally qualified lenders, it has played a restraining role in the aspect of multi lending to a certain extent, but for the well qualified and financially proven lenders, there is still a phenomenon of multi lending. However, with the progress of the compliance filing, many online lending companies began to readjust their internal strategies. For many borrowers with ordinary qualifications, they were all kept out of online lending, and most of them could not apply for long loans
there are even some P2P online lending platforms with only one vacant software. The information is not updated for a long time, and no one can repair bugs. Such online lending platforms are basically closed down. When the CBRC doesn't supervise the cash loan and P2P online loan, many borrowers have loans on any 3-5 online loan platforms. However, after the CBRC's supervision, these online loan platforms can only repay, and they basically refuse to apply for loans again
in addition, at the fourth meeting of the first Executive Council of China Internet Finance Association in 2017 last year, the Mutual Financial Association's participation in initiating the establishment of personal credit reference institutions was considered and approved, which means the emergence of "Xinlian", which has a strong deterrent effect on multi lending in the online lending instry
moreover, for borrowers, long lending will increase the burden of life of borrowers. Once there is a failure of "removing the east to make up the west", it is the time of crisis. And long lending has always been the top priority of the CBRC's supervision. Finally, after the CBRC's rectification and supervision, long lending has been graally curbed, and most borrowers can't apply for long loans. In the short run, there are many borrowers who are worried because they can't apply for long loans, but in the long run, it's a really good strategy. Hope that friends who have applied for online loans can go ashore as soon as possible and stay away from long loans~
We should continue to carry forward the "three railways" tradition of the banking instry, that is, the iron account book, the iron abacus, and the iron rules, so as to make sure that the people are optimistic about the "money bag." On March 2, Guo Shuqing, the new chairman of the CBRC, made an impassioned speech at the press conference of the State Council Information Office, which was implemented with thunderous execution. Within a short week recently, the CBRC has successively issued a number of heavy regulatory documents and disclosed regulatory fines for a number of financial institutions. Instry insiders believe that these documents show that the prelude to strengthening supervision and consolidation of the banking instry has slowly begun
On April 7, Wang Chaodi, inspector of the on-site inspection bureau of the China Banking Regulatory Commission (CBRC), revealed at the press conference of the CBRC that in the first half of 2017, the CBRC organized the national banking instry to focus on the rectification of market chaos, aiming at returning to the source, serving the entity and preventing risks, focusing on equity, foreign investment, foreign investment and other aspects Ten aspects, including institutions and executives, rules and regulations, business, procts, personnel, anti-corruption risk, regulatory behavior, internal and external collusion, and illegal financial activities, will be rectifiedit is reported that, in fact, on the same day, the CBRC issued the "notice on centralized rectification of banking market disorder" (No. 5 document), requiring the national banking instry to organize centralized rectification of market disorder. It is understood that the work was led by the on-site inspection bureau of the CBRC, which sorted out the ten aspects of chaos mentioned by Wang Chaodi
recently, seven documents have been published intensively in the news memory
in addition to the No. 5 document, the CBRC has also published a series of documents to strengthen supervision. For example, on April 7, the CBRC issued document No. 4, guidance on improving the quality and efficiency of banking services to the real economy. On April 10, the No. 6 document "guidance on risk prevention and control in banking instry" issued by CBRC directly named the ten key points of risk prevention and control in banking instry, including credit risk, liquidity risk, real estate risk, local government debt default risk, etc
on April 12, the No.7 document of CBRC "notice on effectively making up for regulatory weaknesses and improving regulatory efficiency" was released. In addition, the CBRC also issued the notice on carrying out the special governance of "illegal, illegal and illegal" behaviors in the banking instry (No. 45 document), the notice on carrying out the special governance of "regulatory arbitrage, idle arbitrage and related arbitrage" in the banking instry (No. 46 document), and the notice on carrying out the "improper innovation, improper transaction, improper incentive, improper management" in the banking instry Notice on special management of "improper charging" (No. 53 document). The above three documents require banks to conct self-examination and form self-examination reports on some of their violations