In order to promote commercial banks to effectively implement the Interim Measures for the Administration of Online Loans of Commercial Banks (hereinafter referred to as the Measures), further standardize peer-to-peer lending's behavior and promote the healthy development of business, with the consent of the China Banking Regulatory Commission, relevant matters are hereby notified as follows:
(1) Implement risk control requirements. Commercial banks should strengthen the main responsibility of risk control, independently carry out internet loan risk management, and independently complete the risk control links that have an important impact on loan risk assessment and risk control. It is forbidden to outsource the key links of management before, during and after lending.
Second, strengthen the management of capital contribution ratio. Where a commercial bank and a cooperative institution jointly contribute to the issuance of Internet loans, it shall strictly implement the requirements for the management of the proportion of investment, and the proportion of investment of the partners in a single loan shall not be less than 30%.
Third, strengthen the centralized management of cooperative institutions. If a commercial bank and a cooperative institution * * * jointly contribute to the issuance of Internet loans, the balance of loans issued by the bank to a single partner (including its related parties) shall not exceed 25% of the bank's net Tier 1 capital.
Four, the implementation of total control and quota management. The balance of Internet loans jointly funded by commercial banks and all cooperative institutions shall not exceed 50% of the total loan balance of the Bank.
Verb (abbreviation of verb) strictly controls cross-regional operation. Local corporate banks shall serve local customers when conducting Internet loan business, and shall not conduct Internet loan business across registered places. There are no physical business outlets, except for other conditions stipulated by the CBRC, and business is mainly conducted online.
Six. Articles 2 and 5 of this Notice shall be implemented as of June 65438+ 10/day, 2022, and the stock business shall be settled naturally. Other transition periods are consistent with these measures. In accordance with the principle of "one line, one policy and smooth transition", the CBRC and its dispatched offices urge commercial banks to formulate rectification plans for Internet loan businesses that do not meet the requirements of this Notice, and complete the rectification within the transition period. Encourage qualified commercial banks to meet the standards in advance.
Seven. The CBRC and its dispatched offices may, according to the operation and management, risk level and business development of commercial banks within their jurisdiction, put forward stricter prudential supervision requirements on the proportion of capital contribution, the concentration of cooperative institutions, and the total amount of Internet loans on the basis of the provisions of this notice.
Eight, foreign bank branches, trust companies, consumer finance companies, auto finance companies to carry out Internet loan business with reference to the requirements of this Notice and these Measures, unless otherwise stipulated by the CBRC, such provisions shall prevail.