China issued a regulation last Wednesday to toughen its control of peer-to-peer lending companies, thus cracking down on illegal fundraising activities through such platforms and preventing financial risks.上周三，我国发布了一项有关加强网络借贷机构监管的规定。借此可通过这样的平台打击非法集资活动，预防金融风险。Jointly issued by the China Banking Regulatory Commission and three other ministries, the regulation emphasizes the role of P2P lending companies as financial information service intermediaries.该规定由中国银监会等四部委联合发布，强调了网贷机构作为金融信息服务中介的定位。The regulation provided a negative list to draw the business boundaries of P2P lending companies, forbidding them from cash pooling, absorbing public savings or providing any form of guarantee for borrowers.规定以负面清单形式划定了网贷机构的业务边界，禁止其设立资金池、吸收公众存款或为借款人提供任何形式的担保。

According to the new rules, the borrowing balance of an individual borrower should not exceed RMB200,000 on a single P2P lending platform and RMB1m on different platforms.根据新规，个人借款人在单个网贷平台的借款上限为20万元，在不同平台的借款上限为100万元。To better ensure the clients' money safety, the regulation also required P2P lending platforms to have their clients' money deposited and managed by qualified banking institutions and to disclose information on the borrowers, financing projects and platform operation accurately on a timely basis.规定还要求网贷平台通过合格的银行业机构存储、管理客户资金并准确、及时地披露借款人、融资项目和平台运营的相关信息，以更好地保障客户的资金安全。Li Junfeng, director of the CBRC's financial inclusion affairs department, said the regulator is accelerating the process of building support systems by making regulatory guidance on the registration of P2P lending companies, third-party depository and management of P2P clients' money, as well as product information registration and disclosure, which will come out soon.中国银监会普惠金融事务部主任李均锋表示，通过对贷款公司注册登记的监管指导、第三方托管、管理网络借贷客户的财产，以及产品信息的注册与披露，监管机构正在加快建立支持系统的进程，预计不久将会得以实现。Hu Eryi, head of p2p001.com, a Shenzhen-based internet financial web portal, said: "The newly released CBRC regulation is a milestone for the development of the sector and will become a necessary prerequisite for its standardized development."总部位于深圳的互联网金融门户网站第一网贷的负责人胡尔义表示：“这一最新发布的银监会监管规定，对于该领域的发展来说是一个里程碑，将成为规范化发展的必要前提。”