Fan Internet Finance Self-inspection Report: According to the requirements of the State Council and CSRC's Work Plan for Special Remediation of Internet Financial Risks and the spirit of document No.4 [2016] issued by Beijing Securities Regulatory Commission, the leaders of our company attached great importance to it, carefully organized and comprehensively carried out the self-inspection of Internet financial risks. The self-inspection report is as follows:
First, careful and meticulous deployment.
The leaders of our company held a meeting immediately after receiving the notice, earnestly studied the spirit of the document, and set up a self-inspection leading group with the general manager of * * * as the team leader, the deputy general manager of * * * as the deputy team leader, and the managers of all departments of the company as members to coordinate and guide all the work in the self-inspection stage. According to the self-inspection catalogue, combined with the actual situation of the company, the content and focus of self-inspection were determined, and a detailed, thorough and comprehensive self-inspection plan was formulated. The whole company carries out self-inspection in strict accordance with the requirements.
Second, conduct a comprehensive self-examination and strictly control.
Check the catalogue item by item, without missing links, leaving no dead ends or going through the motions to ensure that the self-inspection work is implemented and achieved practical results.
(1) information technology
1. Shanxi Branch is equipped with network, communication and host equipment needed for business development, relying on the powerful information resources of the headquarters, and the equipment area description is complete;
2, technical personnel on duty, business system architecture documents, safety protection equipment description, patch management and system patch evaluation form, antivirus software registration form and other documents are complete, timely registration and timely declaration, computer virus database updated regularly, emergency contact information posted in the computer room;
3. The equipment area is equipped with UPS, fire fighting equipment, air conditioning, temperature and humidity meter, emergency lights, etc. Back up key equipment such as switches and routers, and the backup equipment meets the plug-and-play requirements; Be able to conduct emergency drills of information system according to the requirements of the technical department of the company; Computer room network wiring and telephone wiring lines are clearly marked; Personnel entering the computer room are accompanied by information technology personnel to register in and out.
internal control
1, Shanxi Branch strictly abides by the system formulated by the headquarters, and found no cases of not operating according to the regulations or setting or modifying the system without the consent of the headquarters.
2, can strictly implement the "four unifications". In terms of risk control, he can actively cooperate with the work of the headquarters risk control personnel, and record the work done and submit it to the headquarters risk control post on schedule; Strictly abide by the company's financial regulations in terms of finance, designate a special person to be responsible for financial work, ensure that the bank account and cash account are consistent, and the accounts are consistent, and send the vouchers to the headquarters on time and keep a copy. Financial blank vouchers and financial seals shall be kept by two persons for review and use; The company settles accounts in a unified way. After receiving the settlement bill issued by the headquarters, Shanxi Branch can timely reconcile with the settlement personnel at the headquarters.
(3) promotional materials
All printed materials of branches including Yi Labao are printed after reviewing the contents, and there is no false propaganda. Since March 15 this year, the branch has made use of the Internet to forward a lot of publicity information on investor protection. Especially in the near future, publicity information about illegal fund-raising will be forwarded in the WeChat circle of friends every day. I suggest you actively forward it.
(4) Internet work
1. Online account opening Our company strictly follows the operating procedures and related systems for online account opening. According to the registration requirements of real-name registration system, collect the image data of the front and back of the customer's ID card, reveal the risks, and record the video call synchronously. The customer's account opening information is complete, and each link performs its own duties. The account opening information and filing information are randomly checked on a regular basis. Strictly implement the requirements for opening an account in the futures market, such as real-name registration system, risk disclosure and customer suitability, and protect the legitimate rights and interests of customers.
2. At present, the business of Shanxi Branch does not involve the cooperation of P2P peer-to-peer lending platform in this respect. In addition, all business personnel strictly implement the requirements of third-party depository of client funds, and select qualified banking financial institutions as depository institutions to ensure the safety of client funds, and there is no misappropriation or occupation of client funds.
3. There is no case of selling a variety of privately issued financial products to the public through packaging, splitting and other forms.
(5) Compliance self-inspection.
Shanxi Branch has compliance personnel and standby personnel, which are managed by the company's compliance department. Conduct monthly, quarterly, semi-annual and annual compliance inspections on contract and file management, risk control, settlement, intermediary management, financial accounting books, fixed assets, information technology, seals, complaints, anti-money laundering work, system construction, business premises and post changes of Shanxi Branch, and report the draft compliance inspection to the Compliance Department of the Company on time.
Through this self-inspection, Shanxi Branch strengthened the responsibilities of personnel in various positions. Shanxi Branch can seriously understand the spirit of the industry and earnestly implement the requirements of the industry. In the future work, the branch will continue to earnestly implement the document requirements, strengthen the construction of the branch's compliance culture, implement the compliance requirements, do all the work of Shanxi Branch in detail, guard against the risks existing in each link, and strive for the long-term, stable and sustainable development of Shanxi Branch.
Mode 2 of self-inspection report on Internet finance: In order to implement the work arrangement of the Notice of the General Office of the State Council on Printing and Distributing the Implementation Plan for Special Remediation of Internet Financial Risks (hereinafter referred to as the "Plan") and promote the standardization, institutionalization and normalization of Internet finance construction, we will earnestly carry out self-inspection work on the premise of the upcoming special rectification, and further clarify the rigor and importance of implementing rules, regulations and operational procedures. Now, the self-inspection of Jijinbao Internet financial information intermediary platform is reported as follows:
I. Basic information of the company
Jijinbao Internet financial information intermediary platform is an online financial information intermediary service platform under Hebei Jijinbao Network Technology Co., Ltd., which is initiated by Hebei Property Rights Market Co., Ltd., one of the founders of China Property Rights Market Innovation Alliance, and is a new type of Internet financial information intermediary service platform jointly established by state-owned assets exchanges in various provinces in the United Nations. Committed to organically integrating the development experience of China property rights market in the past 20 years with advanced internet finance technology, and building a inclusive finance bridge between investors and small and medium-sized enterprises through online financial information intermediary services, so as to alleviate the financing difficulties, expensive financing and slow financing of small and medium-sized enterprises to some extent. According to the functional positioning arrangement of the platform, the service target of the platform is mainly the enterprises to be listed on the main board, the new third board and the new fourth board.
As a P2C (person-to-business) platform under the system of Hebei Property Rights Market Co., Ltd., it always adheres to "no self-integration, no self-integration, no fund pool, no false bidding and no illegal fund-raising". In addition to providing Internet financial information intermediary services for enterprises before the listing of the New Fourth Board, the New Third Board and the Main Board, it also does not engage in other businesses such as asset management, equity transfer, stock market allocation and real estate finance.
Second, the business is single and clear, and there is no mixed operation and cross-industry operation.
The plan requires all institutions to define a business in P2P, crowdfunding and other businesses, and not to carry out mixed and cross-industry operations. Ji Jinbao's Internet financial information intermediary platform is a useful supplement to the local capital market in Hebei Province. Its function is to provide internet financial information intermediary services for new fourth board, new third board and main board enterprises before listing. Since its establishment, Ji Jinbao has carried out related work in strict accordance with the business scope and platform function positioning arrangement approved by the industrial and commercial registration authority, insisted on platform information disclosure, independent investment decision-making, and standardized capital operation, and never conducted mixed and cross-industry operations.
Three, the business category is clear, and work in strict accordance with the internal control system.
At present, Ji Jinbao's Internet financial information intermediary business includes three categories: "three-board loan", "three-board connection" and "three-board transfer". According to its functional orientation as a beneficial supplement to Hebei's local capital market, Sanban Loan is based on the experience of serving the entire industrial chain of the New Third Board and the risk control measures of Sanban Loan products of major banks. On the premise of improving independent risk control, the launch only provides financing for listed companies on the New Third Board. SanBanTong is a short-term capital turnover project for new three-board enterprises to be listed soon. The above three types of businesses are standardized online loan information intermediary businesses with clear business categories, and do not involve businesses beyond the scope of business such as "clear shares and real debts", disguised fund-raising and asset management.
Four. Stock investors and project summary
As of May 3, 2065438, there were 6498 registered members of the platform and 775 stock investors, with an investment of 38.6 million yuan. Distribution of major investment customers: Beijing-Tianjin-Hebei 38%, Yangtze River Delta 20%, Pearl River Delta 18%, other 24%; The age distribution of investors: 26% over 50 years old, 43% over 40-50 years old, 30-40 years old 18%, under 30 years old13%; Investment crowd structure: small business owners and individual industrial and commercial households 60%, retirees 25%, working class15%; According to the three-level classification of "safety, concern and risk": safety level100%; According to service enterprises: 5. 18% for new third board enterprises, 80.9% for new third board enterprises and 13.92% for new fourth board enterprises. Relevant data can be inquired through the quarterly operation report of the platform.
Five, the external publicity is true and objective, and the information disclosure is institutionalized.
The promotion of Gymboree is strictly in accordance with the requirements of relevant laws and regulations, and there is no exaggeration or one-sided promotion of investment and wealth management products, nor does it guarantee the future effect, income or related situation.
In addition, in order to ensure the legitimate interests of investors, information disclosure has been institutionalized, and information disclosure has been carried out in accordance with the law, delivering complete, accurate and timely trading information for platform investors and helping investors make judgments and decisions. The information disclosed includes but is not limited to the qualification and rating of the project recommendation institution, basic information of the borrower, loan purpose, term, guarantee method, audit report, legal opinion, letter of guarantee, etc. And repayment methods and credit enhancement measures. During the financing period of the loan project, the platform continuously tracks, investigates and supervises the borrower's situation, regularly and continuously discloses its operating conditions, and gives risk tips on the borrower's repayment. At the same time, the platform operation report is regularly disclosed to the higher authorities and regulatory authorities, and the operation status, project risk control and technical operation are reported. , and actively accept the guidance and supervision of the higher authorities and relevant regulatory agencies.
Six, strict fund management system
Ji Jinbao implements a strict fund management system, and manages its own funds and customers' funds separately. The client's funds are entrusted by an institution with the qualification of third-party payment issued by the People's Bank of China, without going through the bank account of the platform, and the platform only serves as an information intermediary, thus avoiding the risk of misappropriation of transaction funds to both parties. In addition, the customer's capital recharge and withdrawal can be realized within 2 hours, and investors can bear interest on the day of investment, realizing the full withdrawal of capital value and ensuring the safe and smooth circulation of investors' funds.
Seven, the risk control measures are complete, and the use of funds is legal and compliant.
Ji Jinbao's shareholders are Hebei Property Rights Market Co., Ltd., Hebei Financial Assets Exchange Co., Ltd. and other units. The fund management and risk control systems are strict. Investors' funds are invested in the target project, and the use of funds is strictly in accordance with the disclosed information. Not self-financing In addition, Ji Jinbao has reached a cooperation with Hebei Xinbao Credit Management Co., Ltd., and the risk control is operated by a professional third-party team. There is no related party transaction business or any form of offline business.