Consumer loans should be used at the time of initial application, because of recent regulatory requirements, all loans used should provide proof of no consumption. No matter the loan amount, as long as no proof has been submitted before, it is necessary to supplement the proof of consumption and use of the used amount, which can be bill of lading, invoice, contract or transfer voucher.

The manager of the personal loan department of a branch of a state-owned bank in Beijing said that at present, customers should provide loan purposes when applying for consumer loans. In addition, customers need to provide VAT invoices one month after the bank lends money. If you can't provide proof of consumption and use, you are likely to get the loan back.

A person from a joint-stock bank headquartered in the south said that in addition to paying proof of consumption, spot checks are also one of the ways adopted by banks. For consumer loans, the bank's post-loan manager will also conduct post-loan inspection on the use of loan funds through spot checks and visits. If the sample can't provide a reasonable explanation for the consumption purpose of the loan, it is possible to recover the loan in advance.

Extended data:

Previously, some banks did not strictly implement the regulatory requirements when handling consumer loans, which led to the illegal flow of consumer loans to the field of investment and housing purchase. On September 16, Yiju Real Estate Research Institute released "Research on the Phenomenon of National Residents' Short-term Consumer Loans Flowing into the Property Market".

The report shows that since March 2065438+2007, the trend of short-term consumer loans has risen sharply year-on-year, which obviously deviates from the trend of steady and rising retail sales. It is estimated that at least 300 billion of the new abnormal short-term consumer loans will flow to the property market, accounting for about 30% of the total new short-term consumer loans. 90% of them flow to Guangdong, Fujian, Jiangsu, Shanghai, Sichuan and Hebei.

Residents' short-term loans are mainly consumer credit. Under the strong performance of consumer credit, the growth rate of household consumption showed a downward trend in August, mainly because some household consumption loans were eventually used to buy houses.

Xinhuanet-"Consumer Loan" encounters strict supervision. Many banks send text messages to urge the payment of consumer vouchers.