Virtual currency of Bancassurance

3. Obviously, it is impossible to make 6000 yuan in 12 months a year, with an annual return of 60%. Who has such a strong voice. Only those P2P companies dare to boast about 10% return, and they are basically illegal and deceiving. This is 60% as soon as it comes up. It's not reliable. If you think about 500 yuan a month, people may think about 10000 yuan.

4.

Hello, the regular loan platform usually does not charge pre loan fees for any reason, so we must be vigilant in case of any problems. If you are in urgent need of money, you can consider alleviating the pressure through loans. At the same time, you should do what you can and try to make money. Now there are many ways to apply for loans. You can apply for bank loans by mortgage. A more convenient way is to apply for personal credit loans. It is suggested that you choose a formal platform when applying for loans to better protect your personal interests and information security

it is recommended that you use Qianghua, which is a credit service brand of xiaoman Finance (formerly known as online Qianghua, renamed as "Qianghua" in June 2018). The big brand is reliable with low interest rate and is trustworthy. Qianqianhua launched a consumer credit proct, Manyi loan, for indivials. The maximum amount of loan is 200000 yuan (click the official measurement), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest rate and strong security

share with you the application conditions of Qianhua: the application conditions of Qianhua are mainly divided into age requirements and information requirements. 1、 Age requirement: 18-55 years old. Special tips: if you have money, you are not allowed to provide installment loans to college students. If you are a college student, please give up your application. 2、 Information requirements: in the application process, you need to provide your second generation ID card and your own debit card. Note: the application only supports debit card, and the application card is also your borrowing bank card. The personal identity information should be the information of the second generation ID card, and the temporary ID card, expired ID card and the first generation ID card cannot be used for application

this answer is provided by Qianghua. Please borrow reasonably according to your needs. The specific proct information is subject to the actual page of Qianghua's official app. I hope this answer is helpful to you. Click below on the mobile terminal to measure immediately! The maximum amount of loan is 200000 yuan

5.

On July 21, in order to promote the unified supervision standards of asset management procts and promote the healthy development of bank financial services, the China Banking and Insurance Regulatory Commission recently drafted the measures for the supervision and administration of financial services of commercial banks (hereinafter referred to as the measures) and solicited opinions from the public The measures require commercial banks to implement classified management of financial management business, and distinguish between public offering and private financing procts. The public offering financial procts are publicly issued to non-specific public, and the private offering financial procts are privately issued to no more than 200 qualified investors; At the same time, the sales starting point of a single public offering financial proct will be reced from the current 50000 yuan to 10000 yuan

in order to prevent the risk of "shadow banking", the measures continue the requirements of "three orders" for independent management, separate account establishment and separate accounting of financial procts, and stipulate that if financial funds invest in non standardized creditor's rights assets, the termination date of assets shall not be later than the e date of closed financial procts or the latest open date of open financial procts; Investment in the equity of an unlisted enterprise should be a closed-end financial proct with a matching period. At the same time, it is required that the balance of non standardized creditor's rights assets invested by bank's financial procts should not exceed 35% of the net assets of financial procts or 4% of the total assets of the bank; The balance of non standardized creditor's rights assets invested in a single institution and its affiliated enterprises shall not exceed 10% of the bank's net capital

in order to prevent fund idling, the measures continue the regulation that financial procts shall not invest in financial procts issued by this bank or other banks; According to the "new regulations on asset management", asset management procts invested by financial procts are not allowed to "nest" other asset management procts, and can not be simply used as fund raising channels for all kinds of asset management procts; Fully disclose the underlying asset information and do a good job in the information registration of financial management system. At the same time, it puts forward the concentration limit of single securities or public offering securities investment funds The measures allow public offering and private financing procts to invest in all kinds of public offering securities investment funds; At the same time, financial procts investment in public securities investment funds can no longer penetrate into the underlying assets

the transitional period of the measures shall be from the promulgation and implementation of the measures to December 31, 2020. According to reports, in the first half of 2018, the overall operation of bank financial services was stable. By the end of 2017, the balance of non breakeven financial procts was 22.17 trillion yuan, by the end of May 2018 was 22.28 trillion yuan, by the end of June 2018 was 21 trillion yuan, and the scale and proportion of interbank financial procts continued to decline. Financing funds are mainly invested in standardized assets such as bonds, deposits and money market instruments, accounting for about 70%; The investment in non standardized debt assets accounted for about 15%, and remained stable on the whole

from people's daily (July 22, 2018, 03 Edition)

6. The early financial framework of the people's Bank of China was relatively simple, that is, the major state-owned banks under the leadership of the people's Bank of China. It was not until 1983 that the State Council decided that the people's Bank of China would specially exercise the functions of the Central Bank of China, that is, it would no longer concurrently run instrial and commercial credit and savings businesses, so as to strengthen the centralized management and comprehensive balance of credit funds and better serve macroeconomic decision-making. At that time, 10 functions were formulated, including financial risk prevention and resolution, statistical data, bank cards, financial regulations, anti fake currency work, bulletin board, etc< With the development of national financial reform and innovation, China's financial system has undergone profound changes. In order to adapt to the development of the national financial instry, the supervision power of the people's Bank of China has been graally separated: in 1992, the supervision power of the securities market was transferred to the Securities Commission of the State Council and the China Securities Regulatory Commission; In 1995, the supervision power of securities companies was handed over to the CSRC; In 1998, the insurance regulatory authority was handed over to the newly established CIRC; In 2003, the power of banking supervision was transferred to the newly established CBRC. Thus formed the present "one bank, three committees" (i.e. China Securities Regulatory Commission, China Insurance Regulatory Commission and China Banking Regulatory Commission). The "one bank, three committees" constitute the pattern of separate supervision of China's financial instry, and the "one bank, three committees" all implement vertical management. Now I know why the central bank (the people's Bank of China) is called the central mom ~
but the central bank is & quot; Departments of the State Council;, The third committee is at the ministerial level; Institutions directly under the State Council;, We can see that there are differences in their identities
the CBRC is responsible for the supervision and management of the banking financial institutions in China. Its main business can be divided into two types: regulatory business and non regulatory business. In short, it is in charge of the bank
generally speaking, the main business of the CBRC is divided into two types, regulatory business and non regulatory business
in terms of regulatory business, there are large banking department, policy banking department and city banking department to supervise the five major banks, policy banks and city commercial banks respectively. In addition, there is a ministry level Joint Conference Office (non Office) to deal with illegal fund-raising to supervise illegal fund-raising
for non regulatory business, there are mainly regulatory department, Policy Research Bureau, Consumer Protection Bureau, Prudential Regulation Bureau and other departments, which are responsible for formulating prudential regulation rules of banking instry
the CBRC also controls the access rights of banking financial institutions, such as the appointment of bank directors and senior executives, the establishment of new bank outlets, etc., which need the approval of the CBRC
under the leadership of the State Council, the people's Bank of China is a macro-control department that formulates and implements monetary policy, maintains financial stability and provides financial services. In short, it's money management. For example, the increase and decrease of reserve rate by the central bank directly affect the bank's credit business, which is an important income of the bank. Of course, the central bank will not abuse its functions. Everything is for the stable development of the country's financial instry
Why are banks afraid of the CBRC and the central bank? One is in charge of fighting, the other is in charge of money, just like parents~

7.

The full name of the CIRC is the China Banking and Insurance Regulatory Commission, which is an institution directly under the State Council. Its main responsibilities are to supervise and manage the banking and insurance instry in accordance with laws and regulations, maintain the legal and stable operation of the banking and insurance instry, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers, and maintain financial stability. The bancassurance Regulatory Commission of China is an institution directly under the State Council and is at the ministerial level

in order to deepen the reform of the financial regulatory system, solve the problems of unclear regulatory responsibilities, cross regulation and regulatory gaps existing in the current system, strengthen the comprehensive supervision, optimize the allocation of regulatory resources, better coordinate the supervision of systemically important financial institutions, and graally establish a modern financial regulatory framework that conforms to the characteristics of modern finance, coordinates the supervision, and is powerful and effective

to keep the bottom line of no systemic financial risk, the State Council proposed to integrate the responsibilities of the China Banking Regulatory Commission and the China Insurance Regulatory Commission to form the China Banking Insurance Regulatory Commission as an institution directly under the State Council

extended data:

internal organization:

(I) General Office (Party Committee Office). Responsible for the daily operation of the organ, undertaking the work of information, security, confidentiality, letters and calls, government affairs publicity, informatization, news publicity, etc

(2) Policy Research Bureau. To undertake the research and implementation of reform and opening-up policies in banking and insurance instries. This paper systematically studies the domestic and international economic and financial situation, international banking and insurance regulatory reform and development trend, regulatory methods and operation mechanism, and puts forward regulatory policy suggestions for banking and insurance instry

(3) regulation department. Draft other laws and regulations on Banking and insurance. Formulate relevant regulatory rules. To undertake legal review and legal advisory services. To undertake the work of administrative reconsideration, administrative response and administrative punishment

(4) statistical information and risk monitoring department. To be responsible for the regulatory statistical system of banking and insurance instry, the preparation and disclosure of regulatory statements, and the monitoring, analysis and early warning of instry risks. To undertake the information construction and information security as well as the information technology risk supervision of banking and insurance institutions

(5) financial accounting department (solvency supervision department). To undertake financial management and prepare annual financial budget and final accounts of the system. Establish solvency supervision index system and supervise its implementation. To supervise the use of insurance protection fund

(6) Department of Inclusive Finance. Coordinate and promote inclusive finance in banking and insurance instry, formulate and implement relevant policies, rules and regulations. To guide the banking and insurance institutions to provide financial services for small and micro enterprises, "agriculture, rural areas and farmers" and special groups

(7) corporate governance supervision department. To formulate regulatory rules for corporate governance of banking and insurance institutions. To coordinate the functional supervision of equity management and corporate governance. To guide banking and insurance institutions to strengthen equity management, standardize shareholder behavior and improve corporate governance structure

(8) banking institution Inspection Bureau. Draw up on-site inspection plan of banking institutions and organize its implementation. Undertake the project initiation, implementation and post evaluation of on-site inspection. Put forward the suggestions of rectification, supervision measures and administrative punishment

(9) Inspection Bureau of non banking institutions. Draw up on-site inspection plans for insurance, trust and other non bank financial institutions and organize their implementation. Undertake the project initiation, implementation and post evaluation of on-site inspection. Put forward the suggestions of rectification, supervision measures and administrative punishment

(x) bureau of major risk events and cases (Banking and insurance security bureau). To formulate rules for the investigation of illegal cases by banking and insurance institutions. To organize and coordinate the investigation and handling of major and cross regional risk events and violations of laws and regulations in the banking and insurance instries. To guide and inspect the security work of banking and insurance institutions

(11) innovation business supervision department. Coordinate and carry out functional supervision on asset management business of banking and insurance institutions. To provide guidance and support for the daily supervision of innovative business in banking and insurance instry. To undertake the regulatory strategy research on new formats of banking, insurance, financial technology and other related work

(12) Consumer Protection Bureau. To study and formulate the overall plan and implementation measures for the protection of consumers' rights and interests in the banking and insurance instries. To investigate and handle cases of damages to the rights and interests of consumers, and organize the handling of consumer complaints. Carry out publicity and ecation

(XIII) bureau of cracking down on illegal financial activities. To crack down on the establishment of relevant illegal financial institutions without authorization or engage in relevant legal financial business in disguised form. To undertake the identification, investigation and suppression of illegal fund-raising and the coordination of relevant organizations. Transfer cases of illegal fund-raising to relevant departments. Carry out relevant publicity and ecation, policy interpretation and business guidance

(14) policy bank supervision department. To undertake the admittance management of policy banks and development banks. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(15) supervision department of large state-owned commercial banks. To undertake the admittance management of large state-owned commercial banks. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(16) national joint stock commercial bank supervision department. To undertake the admittance management of national joint-stock commercial banks. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(17) supervision department of city commercial banks. Undertake the admittance management of city commercial banks and private banks. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(18) supervision department of rural small and medium-sized banks. To undertake the access management of small and medium-sized banks in rural areas. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(19) supervision department of international cooperation and foreign investment institutions (Hong Kong, Macao and Taiwan office). To undertake foreign affairs management, international cooperation and related affairs involving Hong Kong, Macao and Taiwan. To undertake the admittance management of foreign-funded bancassurance institutions. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(20) property insurance supervision department (reinsurance supervision department). To undertake the admittance management of property insurance and reinsurance institutions. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(21) life insurance supervision department. To undertake the admittance management of life insurance institutions. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(22) insurance intermediary supervision department. To undertake the admittance management of insurance intermediaries. To formulate the code of conct and requirements for insurance intermediary practitioners. Check and standardize the market behavior of insurance intermediaries, and investigate and deal with illegal behaviors

(23) insurance fund utilization supervision department. To undertake the specific work of establishing the risk evaluation, early warning and monitoring system for the use of insurance funds. To undertake the admittance management of insurance fund utilization institutions. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(24) trust supervision department. To undertake the access management of trust institutions. Carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation. To guide the operation and management of the trust instry security fund

(25) supervision department of other non bank financial institutions. To undertake the admittance management of financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, money brokerage companies and other institutions

carry out off-site monitoring, risk analysis and regulatory rating, and carry out on-site investigation according to the needs of risk regulation. Put forward case risk monitoring disposal and market exit measures, and undertake the specific work of organization and implementation

(26) personnel department (Party Committee Organization Department). To undertake the work of personnel, organization establishment, labor wages and ecation of cadres in government organs, local agencies and units directly under them. To guide the construction of instry talent team. To guide the party's organizational construction and the ecation and management of Party members

Party committee (Propaganda Department of Party committee). To be responsible for the work of the party and the masses in the organs and the units directly under Beijing, and for the ideological construction and propaganda of the party