Commercial loan business regulations: commercial banks should follow the guidance of national industrial policy in developing loan business; It is necessary to implement a system of separation of examination and loan and grading examination and approval; The borrower must provide certain property as a guarantee when lending in a commercial bank.

legal ground

Article 34 of People's Republic of China (PRC) Commercial Bank Law

According to the needs of national economic and social development, commercial banks carry out loan business under the guidance of national industrial policies.

Article 35

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36

When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37

A commercial bank shall sign a written loan contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

Article 38

Commercial banks shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.