Legal basis: Article 23 of the General Principles of Loans: 1. The type, term and interest rate of the loan operated shall be announced and negotiated with the borrower.
Two, the credit content of the loan review and the conditions for issuing loans should be made public.
Three, the lender should consider the borrower's loan application, and timely reply whether the loan. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.
Four, the borrower's debt, finance, production and operation should be kept confidential, except for inquiries according to law.
Article 35 Registration of non-performing loans: The data of non-performing loans shall be provided by the accounting and credit departments, audited by the audit department and confirmed according to the prescribed authority, and the lender shall fill in the non-performing loan statement quarterly. At the same time, it shall report to the local branch of the People's Bank of China.
Article 36 Assessment of Non-performing Loans: Non-performing loans, sluggish loans and overdue loans of lenders shall not exceed the proportion stipulated by the People's Bank of China. The lender shall issue and assess the relevant indicators of non-performing loans, sluggish loans and overdue loans to its branches.