Legal analysis: the loan policy is that central bank loans refer to loans issued by the central bank to specialized banks and other financial institutions. Central bank loans have the basic characteristics of general loans, but as a monetary policy tool of the central bank, it has special functions and standards. Central bank loans, like loans from specialized banks to enterprises, have the basic characteristics of repayment, guarantee, term and interest.

Legal basis: Interim Measures for the Administration of Personal Loans of China Banking Regulatory Commission.

Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.

Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation.