(a) the establishment of financial institutions and financial activities must be subject to access management according to law. No organization or individual may engage in loan business without obtaining the qualification for loan business according to law.

(2) The comprehensive capital cost charged by various institutions to borrowers in the form of interest rate and various fees shall conform to the provisions of the Supreme People's Court on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law. The comprehensive capital cost charged by various institutions to borrowers should be converted into an adult form, and information such as loan conditions and overdue treatment should be fully disclosed in advance to remind borrowers of relevant risks.

(3) All institutions shall abide by the principle of "know your customer", fully protect the rights and interests of financial consumers, and shall not induce borrowers to borrow excessively in any way and fall into the debt trap. The borrower's credit status, solvency and loan use should be comprehensively and continuously evaluated, and the borrower's appropriateness, comprehensive capital cost, upper limit of loan amount, loan term, loan extension limit, "cooling-off period" requirement, loan use limit and repayment method should be carefully determined. Loans may not be issued to borrowers without income sources, and the total debt burden of a single loan is clearly set at an upper limit, and the number of loan extensions is generally no more than 2 times.

(4) Institutions should adhere to the principle of prudent operation, and comprehensively consider the possible impact of factors such as lack of credit records, long-term loans and fraud. In terms of loan quality, strengthen risk internal control, carefully use the "data-driven" risk control model, and do not conceal non-performing assets in various ways.

(five) all kinds of institutions or entrusted third-party institutions shall not use violence, intimidation, insult, slander, harassment and other means to collect loans.

(6) All kinds of institutions shall strengthen the security protection of customer information, and shall not steal or abuse customer privacy information in the name of "big data", or illegally buy, sell or disclose customer information.