JR/T 0198-2020Financial Technology Innovation Application Test Specification (English PDF)

5.1 Declaration requirements

5.1.1 True and accurate

The statement shall follow the requirements of "true, accurate, complete and timely", and shall not make false records, misleading statements, omissions or delays in public innovation Application information.

5.1.2 Concise and easy to understand

The statement should use concise and easy-to-understand language, and provide necessary introduction and explanation of professional terminology, professional background, industry knowledge, etc., so as to facilitate Users understand innovative application information.

5.1.3 Consistent information

The statement should be in Chinese. If a foreign language version is used at the same time, it should be ensured that the content of each text is consistent. Where there is ambiguity between the texts, the Chinese text shall prevail.

5.1.4 Legal compliance

The statement shall comply with the relevant provisions of laws and regulations on state secrets, business secrets, personal information protection, and intellectual property protection.

5.1.5 Long-term storage

The declaration materials shall be properly retained, and the retention time shall be at least 20 years from the date of publication.

5.1.6 Comprehensive statement

There is no provision in this document, but it does not state that the relevant information may lead to major misunderstandings and misjudgments by users, the applicant institution shall such information shall be declared in a timely manner.

5.2 Method of declaration

5.2.1 Publicity

5.2.1.1 Publicity time and channels

Applicants should apply through the financial technology innovation management service platform at least 25 working days before the innovative application officially provides services to users.

Please publicize, the publicity period is 5 working days. In the case of major changes in the application of financial technology innovation during the publicity period, the applicant institution shall update the letter in a timely manner.

Information and reapply for publicity.

5.2.1.2 Publicity form

It should be publicized in the form of a financial technology innovation application statement. The statement should include basic information about innovative applications, innovative application service information, Legal compliance assessment, technical safety assessment, risk prevention and control, complaint response mechanism, commitment statement and other elements (see 5.3).

5.2.2 Registration

5.2.2.1 Registration time and channels

Applicants should apply for registration through the financial technology innovation management service platform within 5 working days after the innovation application has been publicized.

5.2.2.2 Registration form

It should be registered in the form of a statement on the application of financial technology innovation.

5.2.3 Self-declaration

5.2.3.1 Self-declaration time and channel

Applicants should go online on the official website, Weibo, APP, physical outlets, etc., after completing the registration and before officially providing services to users.

Make a self-declaration at a prominent position of the channel, and make a promise to the public on the authenticity, accuracy, and completeness of the self-declared content.

5.2.3.2 Self-declaration form

Self-declaration should be made in the form of a statement on the application of financial technology innovation.

5.2.4 User express

5.2.4.1 The user expresses the time and channel the applicant institution shall clearly inform the user of the elements required to be clearly stated in the statement when the user signs the contract.

5.2.4.2 User express form

The user shall expressly indicate in the form of a service agreement, etc., and provide channels for user inquiries and downloads.

5.3 Declaration elements

5.3.1 Basic information of innovative applications

5.3.1.1 Innovative application number

The innovative application number consists of 26 letters and numbers, divided into 3 parts (see Table 1). the unified social credit agency on the business license of the application organization Code (18 digits), year of submission of the innovative application declaration (4 digits) and project number (4 digits), separated by "-". Suitable for publicity, Registration, self-declaration and user express.

5.3.1.2 Innovative application name

The name of the innovative application should be concise and easy to understand. In principle, it should not exceed 20 characters. It is suitable for publicity, registration, self-declaration and user express.

5.3.1.3 Innovative application types

Innovative applications include two types of financial services and technological products. It is suitable for publicity, registration, self-declaration and user express.

5.3.1.4 Institutional Information

5.3.1.4.1 Unified social credit code

The unified social credit code on the business license of the applying institution should be filled in. It is suitable for publicity, registration, self-declaration and user express.

5.3.1.4.2 Global legal entity identification code

If yes, fill in the global legal person identification number (LEI) of the applicant organization. It is suitable for publicity, registration, self-declaration and user express. Such as None, you can leave it blank.

5.3.1.4.3 Organization name

The name on the business license of the applying organization should be filled in. It is suitable for publicity, registration, self-declaration and user express.

5.3.1.4.4 Holding financial license information

If yes, fill in the financial license information of the licensed financial institution participating in the innovative application project, including the name of the license, the issuing authority, and the license Numbering. It is suitable for publicity, registration, self-declaration and user express. If not, leave it blank.

5.3.1.5 Proposed official operating time

The time when the innovative application intends to officially provide services to users should be filled in. The description method is yyyy year mm month dd day, such as February 27, 2019.

Suitable for publicity, registration and self-declaration.

5.3.1.6 Technical application

A brief description of the modern information technology used and the functions that the technology provides for financial services should be described. In principle, no more than 150 words.

Applicable to publicity, registration and self-declaration.

5.3.1.7 Functional service

It should describe the main service and function information provided by the innovative application for users, and explain whether there is a third-party organization involved in the R&D and operation and maintenance process.

And, clarify its participation links and work content. In principle, no more than.200 words. It is suitable for publicity, registration, self-declaration and user express.

5.3.1.8 Innovative description

The innovation points of the project in technology applications or financial services should be described, and the innovation of innovative applications should be clarified. Suitable for publicity, registration, self-voicing Minghe users expressly indicate.

5.3.1.9 Expected effect

A brief description of the expected social benefits and market value of the innovative application after it is launched, and in principle no more than 50 words. Suitable for publicity, Registration, self-declaration and user express.

5.3.1.10 Expected scale

Should briefly describe the expected scale of the innovative application after it goes online, including but not limited to quantitative indicators such as the number of users, transaction volume, and transaction volume. Principles no more than 50 words on it. It is suitable for publicity, registration, self-declaration and user express.

5.3.2 Innovative application service information

5.3.2.1 Service channels

The channels or ways through which the applicant organization provides innovative applications to users should be described. It is suitable for publicity, registration, self-declaration and user express.

5.3.2.2 Service time

The time frame within which the innovative application can normally complete the service should be described. Different service channels can have different service hours. Suitable for publicity, Registration, self-declaration and user express.

5.3.2.3 Service users

The target audience for the innovative application should be described. It is suitable for publicity, registration, self-declaration and user express.

5.3.2.4 Service Agreement

The relevant content that users need to understand and agree to when using this innovative application should be filled in. Applicable to publicity, registration, and self-declaration.

5.3.3 Legal compliance assessment

5.3.3.1 Evaluation agency

The full Chinese name of the assessment agency should be filled in. It is suitable for publicity, registration, self-declaration and user express.

5.3.3.2 Evaluation time

The time when the assessment agency issued the legal compliance assessment materials should be filled in. The description is yyyy year mm month dd day, such as February 27, 2019 day. It is suitable for publicity, registration, self-declaration and user express.

5.3.3.3 Validity period

The validity period of the legal compliance assessment materials should be filled in. The description method is X years, such as 3 years. Applicable to publicity, registration, self-declaration and users Expressly.

5.3.3.4 Evaluation conclusion

The conclusion of the legal compliance assessment should be briefly described, and in principle, it should not exceed 100 words. It is suitable for publicity, registration, self-declaration and user express.

5.3.3.5 Evaluation materials

The legal compliance assessment materials for innovative applications should be provided. Evaluation materials include but are not limited to evaluation basis, evaluation method, evaluation analysis, Evaluation conclusion. Suitable for publicity, registration and self-declaration.

5.3.4 Technical safety assessment

5.3.4.1 Evaluation agency

The full Chinese name of the assessment agency should be filled in. It is suitable for publicity, registration, self-declaration and user express.

5.3.4.2 Evaluation time

The technical safety assessment report issued by the assessment agency should be filled in...