Legal analysis: According to the new regulations, the CBRC requires major financial institutions to effectively strengthen the qualification examination of borrowers, especially for the purpose of operation, requiring penetrating and substantive verification, and the credit line must be reasonably determined according to the actual business needs of borrowers. When a borrower applies for a credit loan, it is necessary to comprehensively determine the credit line according to the new credit report and the relevant information provided by the borrower. In addition, you need to check the personal basic information provided by the borrower. If there is false information, the application must be rejected at the first time.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.