银监会发布《网络借贷资金存管业务指引》,要求网贷机构应对自有资金、存管资金分开保管、分账核算,指定唯一一家商业银行作为资金存管人,为出借人、借款人及其他网贷业务参与方等客户在银行开立网贷资金存管专用账户,同时为其在存管专用账户下分别开立子账户,对资金进行管理和监管,防范网贷资金挪用风险,在安全保管客户交易结算资金的同时,要求存管资金的清 The CBRC promulgated the Guidance on Stockpiling Business of Internet Loans, which requires that online banking institutions deal with their own funds, deposit funds separately and keep them under separate account, designate a single commercial bank as the fund custodian, lenders, borrowers and other websites Loan business participants and other customers to open a dedicated account for depositing and withdrawing funds for online loans at the bank, meanwhile, set up sub-accounts under the deposit-only account to manage and supervise the funds and prevent the risks of misappropriation of online and offline loans. Client transaction settlement funds at the same time, require the deposit of funds clear