A: The Measures for Personal Loans require the implementation of the face-to-face loan signing system. On the one hand, lenders should establish and strictly implement the loan interview system. For low-risk personal pledge loans issued through e-banking channels, lenders may not conduct loan interviews, but at least take effective measures to determine the true identity of borrowers. At the same time, in addition to loans handled through electronic banking channels, lenders should require borrowers to sign loan contracts and other relevant documents in person. Emphasis on interviews is mainly to verify the authenticity of personal loans, prevent individuals from taking bank loans under the guise of criminals, or prevent borrowers' credit funds from being misappropriated by others, and effectively protect the legitimate rights and interests of borrowers.