What are the thirteen prohibitions on online lending platforms stipulated in p2p regulatory rules?

The P2p regulatory rules stipulate twelve prohibitions, including prohibiting the platform from raising funds by itself, collecting users' funds by the platform, providing guarantees, splitting the project term, publicizing or recommending financing projects to users who are not registered with real names, issuing loans, selling bank wealth management, securities firms' asset management, funds, insurance or trust products, financing for investing in the stock market, and engaging in equity crowdfunding.

According to Article 9 of the Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries, person-to-person lending information intermediaries shall perform the following obligations:

(1) According to laws, regulations and contractual agreements, provide borrowers and borrowers with the collection, sorting, screening and online publishing of direct lending information, as well as credit evaluation, loan matching, financing consultation, online dispute resolution and other related services;

(two) the qualifications of lenders and borrowers, the authenticity of information, the authenticity and legality of financing projects;

(3) Take measures to prevent fraudulent acts, discover fraudulent acts or other situations that harm the interests of lenders, and promptly announce and terminate relevant peer-to-peer lending activities;

(four) continue to carry out peer-to-peer lending knowledge popularization and risk education activities, strengthen information disclosure, guide lenders to participate in peer-to-peer lending in a small amount, and ensure that lenders are fully aware of lending risks;

(five) in accordance with laws and regulations and the relevant regulatory requirements of interbank lending, timely submit and register the creditor's rights and debts related information in interbank lending to the relevant data statistics department;

(6) Properly keep the information and transaction information of lenders and borrowers, and shall not delete, tamper with, illegally trade or disclose the basic information and transaction information of lenders and borrowers;

(7) Performing anti-money laundering and anti-terrorist financing obligations such as customer identification, suspicious transaction report, customer identity information and transaction record keeping according to law;

(eight) to cooperate with relevant departments to prevent and investigate financial crimes;

(nine) in accordance with the relevant requirements to do a good job in Internet information content management, network and information security related work;

(10) Other obligations stipulated by the banking supervision institution of the State Council and the provincial people's government of industrial and commercial registration.

Article 10 A peer-to-peer lending information intermediary institution shall not engage in or be entrusted to engage in the following activities:

(1) Financing for oneself or in disguised form;

(2) directly or indirectly accepting and collecting the lender's funds;

(three) directly or in disguised form to provide a guarantee to the lender or promise to protect the principal and interest;

(4) Propagandizing or promoting financing projects in physical places other than the Internet, fixed telephones, mobile phones and other electronic channels by itself or by entrusting or authorizing a third party;

(5) Granting loans, except as otherwise provided by laws and regulations;

(6) Time limit for splitting financing projects;

(seven) to raise funds through the sale of financial products such as wealth management, and to sell financial products such as bank wealth management, brokerage asset management, funds, insurance or trust products on a commission basis;

(eight) to carry out asset securitization business or realize the transfer of creditor's rights in the form of packaged assets, securitization assets, trust assets and fund shares. ;

(9) Mixing, bundling or acting as an agent in any form with investment, sales agency, brokerage and other businesses of other institutions, except as permitted by laws and regulations and relevant regulatory provisions on peer-to-peer lending;

(10) Fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and spreading false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;

(eleven) to provide information intermediary services for high-risk financing such as investment in stocks, OTC fund-raising, futures contracts, structured products and other derivatives;

(12) Engaged in equity crowdfunding and other businesses;

(thirteen) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.

Extended data:

Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries Article 14 Lenders who participate in personal-to-personal lending should have investment risk awareness, risk identification ability, investment experience in non-principal financial products and be familiar with the Internet.

Article 15 Lenders participating in peer-to-peer lending shall fulfill the following obligations:

(1) Providing authentic, accurate and complete identity information to peer-to-peer lending information intermediaries;

(2) Lending funds are legitimate self-owned funds;

(3) Understand the credit risk of financing projects and confirm that they have corresponding risk awareness and tolerance;

(four) bear the loss of principal and interest caused by borrowing;

(5) Other obligations stipulated in the loan contract and related agreements.

Baidu Encyclopedia-Interim Measures for the Management of Business Activities of Information Intermediaries in Personal-to-Personal Lending