2. Standardize the sources of funds for entrusted loans. Commercial banks may not accept entrusted loans from other people's funds, bank credit funds, special funds for specific purposes, other debt funds and funds whose sources cannot be proved;
3. Standardize the use of entrusted loan funds. Funds shall not be used for production, operation or investment in fields and uses prohibited by the state, and shall not be invested in bonds, futures, financial derivatives, asset management products, etc. , or as registered capital or registered capital verification, or for equity investment or capital increase and share expansion;
4. Require commercial banks to strengthen the risk management of entrusted loans. The Measures require commercial banks to strictly distinguish between entrusted loan business and self-operated business, and strengthen risk isolation and business management;
5. Strengthen the supervision of entrusted loan business. The Measures clarify that if a commercial bank handles entrusted loan business in violation of regulations, the CBRC or its dispatched office shall order it to make corrections within a time limit.
1. loan: loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. Lending principles: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.