Under any of the following circumstances, the CBRC may, in addition to taking regulatory measures in accordance with the relevant provisions, punish the lender in accordance with the relevant provisions of the Banking Supervision and Administration Law: ① issuing unqualified personal loans; ② The loan contract signed does not conform to the Interim Measures for the Administration of Personal Loans; (three) the purpose of the loan is not in conformity with the provisions of laws and regulations and relevant state policies, and the purpose of the personal loan is unknown or the management of the loan is not strengthened according to the regulations; (4) Entrust all loan investigation matters to a third party; (five) beyond or disguised beyond the loan authority to issue loans; 6. Instructing the borrower to obtain a loan by fictional plot; ⑦ The borrower's violation of the loan contract should be discovered but not discovered, or failed to take effective measures after being discovered; (eight) other circumstances that seriously violate the prudent operating rules stipulated in the Interim Measures for the Administration of Personal Loans.