2015年CRI 中国发布互联网金融监管政策

 

The guideline was jointly¹ released by ten central government ministries² and industry regulators, including the central bank, the Ministry³ of Finance and the China Securities Regulatory Commission.

It was rolled out less than one month after the country unveiled an action plan for its "Internet Plus" strategy that is expected to bolster⁴ an innovative⁵ economy.

The guideline includes a raft of policies and measures that aim to standardize⁶ the development of Internet finance, encourage innovation and increase awareness⁷ of risk control among internet-based financial institutions.

It promises support for financial institutions to open online banking⁸, insurance and securities businesses and Internet companies to set up online payment service, build online lending platforms and equity⁹ and crowd financing platforms.

It also says eligible¹⁰ institutions will be encouraged to get listed on the main board and growth board, while smaller institutions can enjoy tax concessions¹¹ at the start-up stage.

Professor Yang Dong with Law School of Renmin University of China says the development of internet finance will benefit micro and small-sized enterprises with easier access to investment and wider channels to raise funds.

"To develop inclusive financial system to enable micro, small and medium-sized enterprises to get more financing conforms to the current economic situation of China and provides the foundation for the real economy to develop and for the masses of people to participate in starting new businesses and making innovations."

Internet finance refers to loans, investments and other financial services provided through online channels rather than through traditional banks and other financial institutions.

Last year, the industry registered over 300 billion yuan, or nearly 48 billion US dollars, in business volume.

The sector¹² involved about 390,000 employees last year and served more than 2 million enterprises, with about 60 million people working in relevant industries.

The guideline also stipulates¹³ that the people and organizations engaging in Internet Finance must abide¹⁴ by certain rules.

It pledges protection of consumers' rights and information security and underscores self-discipline among Internet finance players.

Yang suggests there should be a certain threshold for market entry.

"The platforms that are not up to the required qualification and incompetent¹⁵ in risk control and in internet technologies should be locked out of the market, leaving only the good ones that really serve the real economy, inclusive financial system, the common people and the sustainable development of the Chinese economy."

According to the guideline, a credit information sharing platform will be built for market players, while the credits of online finance companies will be rated.

Meanwhile, it calls on government departments at all levels to actively¹⁶ encourage innovation in e-finance platforms, products and services.

Government departments are also urged to cut red tape and improve related fiscal¹⁷ and taxation¹⁸ policies to pave way for the industry's development.

For CRI, I'm Luo Wen.

1 jointly   

ad.联合地，共同地

参考例句：

• Tenants are jointly and severally liable for payment of the rent. 租金由承租人共同且分别承担。
• She owns the house jointly with her husband. 她和丈夫共同拥有这所房子。

2 ministries   

（政府的）部( ministry的名词复数 )； 神职； 牧师职位； 神职任期

参考例句：

• Local authorities must refer everything to the central ministries. 地方管理机构应请示中央主管部门。
• The number of Ministries has been pared down by a third. 部委的数量已经减少了1/3。

3 ministry   

n.(政府的)部；牧师

参考例句：

• They sent a deputation to the ministry to complain.他们派了一个代表团到部里投诉。
• We probed the Air Ministry statements.我们调查了空军部的记录。

4 bolster   

n.枕垫；v.支持，鼓励

参考例句：

• The high interest rates helped to bolster up the economy.高利率使经济更稳健。
• He tried to bolster up their morale.他尽力鼓舞他们的士气。

5 innovative   

adj.革新的，新颖的，富有革新精神的

参考例句：

• Discover an innovative way of marketing.发现一个创新的营销方式。
• He was one of the most creative and innovative engineers of his generation.他是他那代人当中最富创造性与革新精神的工程师之一。

6 standardize   

v.使符合标准，使标准化

参考例句：

• We will extend and standardize legal services and provide effective legal aid.拓展和规范法律服务，积极开展法律援助。
• There is a drive both to standardise components and to reduce the number of models on offer.正在为实现零部件标准化和减少推出的型号数量而努力。

7 awareness   

n.意识，觉悟，懂事，明智

参考例句：

• There is a general awareness that smoking is harmful.人们普遍认识到吸烟有害健康。
• Environmental awareness has increased over the years.这些年来人们的环境意识增强了。

8 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

9 equity   

n.公正，公平，（无固定利息的）股票

参考例句：

• They shared the work of the house with equity.他们公平地分担家务。
• To capture his equity,Murphy must either sell or refinance.要获得资产净值，墨菲必须出售或者重新融资。

10 eligible   

adj.有条件被选中的；(尤指婚姻等)合适(意)的

参考例句：

• He is an eligible young man.他是一个合格的年轻人。
• Helen married an eligible bachelor.海伦嫁给了一个中意的单身汉。

11 concessions   

n.（尤指由政府或雇主给予的）特许权( concession的名词复数 )；承认；减价；（在某地的）特许经营权

参考例句：

• The firm will be forced to make concessions if it wants to avoid a strike. 要想避免罢工，公司将不得不作出一些让步。
• The concessions did little to placate the students. 让步根本未能平息学生的愤怒。

12 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

13 stipulates   

n.（尤指在协议或建议中）规定，约定，讲明（条件等）( stipulate的名词复数 )；规定，明确要求v.（尤指在协议或建议中）规定，约定，讲明（条件等）( stipulate的第三人称单数 )；规定，明确要求

参考例句：

• The trade contract stipulates for the settlement of balances in RMB. 贸易合同规定余额以人民币结算。 来自《现代汉英综合大词典》
• The contract stipulates for the use of seasoned timber. 合同上订明用干透的木料。 来自辞典例句

14 abide   

vi.遵守；坚持；vt.忍受

参考例句：

• You must abide by the results of your mistakes.你必须承担你的错误所造成的后果。
• If you join the club,you have to abide by its rules.如果你参加俱乐部，你就得遵守它的规章。

15 incompetent   

adj.无能力的，不能胜任的

参考例句：

• He is utterly incompetent at his job.他完全不能胜任他的工作。
• He is incompetent at working with his hands.他动手能力不行。

16 actively   

adv.积极地，勤奋地

参考例句：

• During this period all the students were actively participating.在这节课中所有的学生都积极参加。
• We are actively intervening to settle a quarrel.我们正在积极调解争执。

17 fiscal   

adj.财政的，会计的，国库的，国库岁入的

参考例句：

• The increase of taxation is an important fiscal policy.增税是一项重要的财政政策。
• The government has two basic strategies of fiscal policy available.政府有两个可行的财政政策基本战略。

18 taxation   

n.征税，税收，税金

参考例句：

• He made a number of simplifications in the taxation system.他在税制上作了一些简化。
• The increase of taxation is an important fiscal policy.增税是一项重要的财政政策。