1. Measures for the Administration of Personal Loans of the China Banking Regulatory Commission -
Order of the China Banking Regulatory Commission
2010 No. 2
"Personal Loans" The Interim Measures for Loan Management were adopted at the 72nd Chairman’s Meeting of the China Banking Regulatory Commission and are hereby announced and shall come into effect on the date of issuance.
Chairman:
February 12, 2010
Interim Measures for Personal Loan Management
Chapter 1 General Provisions< /p>
Article 1 is to regulate the personal loan business behavior of banking financial institutions, strengthen the prudent operation and management of the personal loan business, and promote the healthy development of the personal loan business, in accordance with the "Banking Supervision and Administration Law of the People's Republic of China and the State Council" , "Law of the People's Republic of China on Commercial Banks" and other laws and regulations to formulate these Measures.
Article 2 The People’s Republic of China and banking financial institutions established within the country with the approval of the China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when operating personal loan business.
Article 3 Personal loans as mentioned in these Measures refer to domestic and foreign currency loans issued by lenders to qualified natural persons for personal consumption, production and operation, etc.
Article 4 Personal loans. The principles of legal compliance, prudent operation, equality, voluntariness, fairness and integrity shall be followed.
Article 5 Lenders shall establish an effective full-process management mechanism for personal loans and formulate loan management systems and specific loan types. Operating procedures, clarify the corresponding loan objects and scope, implement differential risk management, and establish an assessment and accountability mechanism for each loan operation link.
Article 6 Lenders should establish based on regions, varieties, customer groups and other dimensions. Personal loan risk limit management system.
Article 7 The purpose of personal loans shall comply with laws, regulations and relevant national policies. Lenders shall not issue personal loans without specified purposes (Article 24 The loan contract shall. Comply with the provisions of the "Contract Law of the People's Republic of China" ((
2. What are the three methods and one guideline of the China Banking Regulatory Commission
Interim Measures for Fixed Asset Management, Liquidity Interim Measures for Capital Loan Management, Interim Measures for Personal Loan Management, and Project Financing Business Guidelines
3. China Banking Regulatory Commission’s Personal Loan Management Measures
Generally speaking, it is difficult for white households to obtain bank loans. In this case, you can only find a local regular loan company to apply for a loan.
This is some relative knowledge about bank loans that I have given you. You can browse "Little Finger Array", it may be useful to you.
Self-operated loans, entrusted loans and specific loans:
1. Self-operated loans refer to loans issued independently by the lender with funds raised in a legal manner. The lender shall bear the principal and interest, and the principal and interest shall be recovered by the lender.
2. Entrusted loans refer to funds provided by principals such as government departments, enterprises, institutions, and individuals, and are provided by the lender (i.e., the trustee). The lender (trustee) only charges a handling fee and does not assume the loan risk.
3. Specific loans refer to loans that are issued by state-owned commercial banks after approval by the State Council and taking corresponding remedial measures for possible losses caused by the loans.
Take loans as an example. I hope it will be helpful to you. .
4. How to report the loan officer’s illegal lending?
This can be reported to the bank leader or the China Banking Regulatory Commission. First, there must be evidence of the loan officer’s illegal lending. Reporting to the China Banking Regulatory Commission with a real name or by letter depends on your personal situation.