A password card is a set of numbers that keep changing, and a password card is just a card with numbers on it that are combined by line direction and vertical direction.
There are two kinds of passwords for online banking in the bank: 1, password card or with a password card, 2, U shield
Question 2: What does it mean to say licensed person in securities? Refers to the holding of securities qualification certificate (license) practitioners, generally Hong Kong on the securities qualification certificate holders of the name. Of course, there are many categories of qualifications, licensed persons are just a collective term .
Question 3: What does licensed principal mean The Fund Industry Association (FIA) has introduced the concept of licensed principals, drawing on Hong Kong practice, and requires that two licensed principals be required for a registered manager. The qualifications of licensed principals are determined by the Association, and they need to meet the four conditions of managing the day-to-day operational affairs of the company, having more than three years of working experience in the investment management industry, having passed the examination on laws and regulations organized by the Fund Industry Association, and having a good integrity with no record of violation of laws and regulations in the last three years. If the registered
fund manager has violated the law and other circumstances, the licensed person in charge will mainly bear the corresponding responsibility.
Responsibilities of Institutional Licensees
Institutional licensees are primarily responsible for designing and implementing a continuing education program that best meets the training needs of their registered directors and representatives, with a view to enhancing their industry knowledge, skills and professional conduct.
An organization licensee should review its organization's training program at least annually and prioritize training activities for its staff as needed.
In developing the training plan, the licensee must take into account the size of the institution, its organizational structure, risk management system, scope of business activities and the prevailing regulatory framework and developments.
The training program may be provided in-house or through appropriate external courses. When an organization provides in-house training courses, the licensee must ensure that the content of the courses is designed to be relevant and useful to the organization's staff in the performance of their functions. Subjects that are relevant to the licensee's duties and capable of improving the licensee's performance in discharging his/her duties are consistent with the purpose of continuous training.
The Advisory Council on Academic Accreditation does not pre-endorse in-house training courses provided by licensees, but licensees should notify the SFC of the dates and details of the training before it is held and keep attendance records of those who have completed it. The SFC may send officers to attend the training courses to ensure the quality of the training.
Criteria for assessing the competence of a licensee
An applicant for a license is required to demonstrate knowledge, skills and competence to perform his/her functions as a licensee in an effective and conscientious manner. A licensee should maintain competence at all times.
The requirements set out in these guidelines are not exhaustive.
It is possible for an applicant to satisfy the SFC that he or she is a fit and proper person to be licensed even if he or she fails to meet the specific requirements set out in these Guidelines.
Without compromising investor protection, the SFC will exercise flexibility in enforcing the competency criteria. Where an applicant or licensee is an organization, the SFC will take into account the size and nature of its business and will accept any alternative arrangement that meets the objectives of effective risk management and appropriate internal controls, whether at the Hong Kong or overseas level or at the level of a local company or group. Similarly, in the case of an individual applicant or licensee, the SFC will take into account the applicant's responsibilities, position in the organization, and qualifications or experience gained locally or overseas.
For the purpose of these Guidelines, an institutional licensee means a firm carrying on licensed activities and includes sole proprietors, limited companies and partnerships. An individual licensee means a director1 or representative who is required to be licensed under the relevant Ordinance.
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Question 4: What is a licensed financial institution What does it mean to say licensed person in securities It refers to a practitioner who holds a securities qualification certificate (license), which is generally the term used in Hong Kong for the holder of a securities qualification certificate. Of course there are many categories of qualifications, and licensed person is just a generic term .
Question 5: What does it mean to be a licensed person of the Hong Kong Securities and Futures Commission According to the provisions of Part V of the Hong Kong Securities and Futures Ordinance, licensing and registration matters, any person who carries out regulated activities must be licensed by the Hong Kong Securities and Futures Commission. A licensed body or individual is a "SFC licensee".
Question 6: What are the financing options for the domestic non-financial institution sector in China? First of all, we are most familiar with a type of channel is a bank loan, there are more than 700 banks in the country, the state-owned five banks and most of the nationwide joint-stock banks have branches in Guangxi, the local city commercial banks Beibu Gulf Bank, Bank of Guilin, Bank of Liuzhou, in addition to the Farmers' Credit Union, Agricultural Cooperative Banks, the National Village Banks, and so on, more than 100 independent legal person bank-type financial institutions.
The third category is private financing channels, including microfinance companies, guarantee companies, pawnshops, financial services companies, P2P/crowdfunding sites and other public channels, and many more! The way flexible and changeable completely does not hold any license of the private capital channels.
The fourth category is equity financing channels, high enterprises to the SSE, SZSE main version of the listed public financing, private financing can be listed in the Beibu Gulf Equity Exchange and other over-the-counter market financing, to various types of equity investment funds, professional investment companies, professional investors to seek equity private financing.
Question 7: What is particularly good about WINGCA's licensed teachers? Don't worry ah, licensed representatives study abroad business hard, with Canadians to communicate, good English, policy know, this is not particularly good place ah
Question 8: p2p industry has a central bank enterprise credit license which several According to the Prospect Industry Research Institute, "2016-2021 China's P2P industry market outlook and investment strategy planning analysis report," shows that since the central bank to release the license of the personal credit rating, there has been a corporate credit rating agency, a corporate credit rating agency, a corporate credit rating agency, a corporate credit rating agency, a corporate credit rating agency, a corporate credit rating agency, a corporate credit rating agency and a corporate credit rating agency. According to the report of the Prospect Industry Research Institute, since the central bank liberalized the personal credit license, there have been corporate credit rating agencies, credit data service providers such as banks and microfinance, third-party payment companies, credit companies set up under social and e-commerce giants, and credit companies under comprehensive
financial groups have opened up for grabs. Now, in addition to Internet platforms (Baidu, Jingdong), the main cell phone is also coming (Xiaomi), carriers (China Mobile) is also coming, and even *** institutions may be coming
-- at least two executives in the credit collection sector have already told the reporter that the *** Youth League is also ready to apply for a license for personal credit collection.
A careful review of the ****Youth League news will find that more than two months ago, ****Youth League launched a youth credit
system construction pilot, the first batch of pilots including Beijing, Guangdong, including seven provinces and cities. However, for a large and special group of people who are not highly connected to financial transactions, the reporter was unable to find a link between the ****Youth League and the credit industry
Here: How do you build a credit model? The first is that the first is the one of the most important thing that you have to do. The data related to credit collection is collected, and what are the scenarios for its use?
However, regardless of whether the final **** Youth League will apply for a license, or whether it is the central bank guidelines in the qualified applicants, the main body of the domestic personal credit industry in the rapid expansion is an indisputable fact. It is understood that China Mobile has internal notice, to cooperate with the China Merchants Bank to set up credit joint venture, the two sides also set up a preparatory group.
However, on the one hand, the people from all walks of life surging, on the one hand, it is the official license shell. Up to 11 months, after three rounds of acceptance, the first eight personal credit license has not been issued. One of the proposed licensee of an insider told
Reporter: the preparation period is delayed again and again, the central bank is obviously still in fear of some sensitive issues, the last is not necessarily each can get. "Of course, do not rule out the final use of the relationship behind the smooth license." He added.
The Central Bank recently issued the Guidelines for the Supervision of Credit Institutions. The six chapters and 36 articles therein set up licensing conditions in four areas: prudential conditions for the establishment of institutions, margins for credit bureaus, off-site supervision, and on-site inspections, and also
For the first time, it is clear that personal credit bureaus are required to withdraw a margin of 10% of their total registered capital in order to cope with the situation of compensating the subject of information in case of legal disputes. This shows that the central bank wants to let the personal credit industry blossom,
but can't let it go too far. That's why the threshold has been raised in an explicit manner to regulate the development of the industry.
The Central Bank's prudence is not unreasonable. Because the credit industry in foreign countries is a serious and narrow industry, and in our country, even to do cell phone to apply for a license to participate in the main body is too much. In fact, to think about it, some companies have "big data", how much is the effective data related to credit?
Previously, Sesame Score airport fast-track service was called off by the regulator, a lot of comments that China's personal credit market is chaotic, because of the commercialization of the main body of the scene of the dispute led to the credit score was abused. However, the reporter believes that this does not hurt
Ya, because the credit score of the use of many scenes, but also instead to promote the audience to pay attention to credit. The core issue here is that the collection of credit rating factors can't be proliferated. Even if the collection scenarios are flooded, the rating agencies have to ensure that there are enough
scientific algorithms and models to transform the weakly relevant data into effective indicators, and produce credit reports that are affordable to the subject of the information (i.e., the person being evaluated).
Credit is increasingly important and relevant to everyone. Although there are still very few cases of natural persons suing rating agencies, with the deepening of market education and the increase in the number of credit subjects, everyone has the right to defend their legitimate rights and interests in the event of unfair assessment while being assessed. This should be the original intention of the central bank to set up the margin system.
So, those ambitious to share a piece of the credit new army, have to weigh their own strength, and continue to work hard to be good.
Question 9: What is the role of the license of Jiexin Consumer Finance?