The principle of loan is: the principle of compliance with the law; Principle of fairness; Principle of good faith; The principle of equality and voluntariness; Prudent management principle of lending institutions; Lending institutions operate on the principles of safety, liquidity and efficiency.

legal ground

Article 3 of the Interim Measures for the Administration of Personal Loans

The term "personal loan" as mentioned in these Measures refers to the local and foreign currency loans issued by the lender to qualified natural persons for personal consumption, production and operation.

Article 4

Personal loans should follow the principles of legality and compliance, prudent operation, equality and voluntariness, fairness and good faith.

Article 5

Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.