2. A commercial bank shall, in accordance with the principle of matching the qualifications of the cooperative institution with the functions it undertakes, conduct pre-entry evaluation on the cooperative institution to ensure that the cooperative institution and cooperative matters comply with laws, regulations and regulatory requirements. Commercial banks should make pre-entry evaluation on cooperative institutions mainly from the aspects of operating conditions, management ability, risk control level, technical strength, service quality, business compliance and institutional reputation. When selecting cooperative institutions with the same capital contribution, we should also pay attention to the capital adequacy ratio, leverage ratio, liquidity level, non-performing loan ratio, loan concentration and their changes, and carefully determine the list of cooperative institutions.
3. Commercial banks should sign written cooperation agreements with cooperative institutions. The written cooperation agreement shall clearly stipulate the scope of cooperation, operation process, rights and responsibilities of all parties, income distribution, risk sharing, protection of customers' rights and interests, data confidentiality, dispute resolution, transitional arrangements for the change or termination of cooperation matters, and liability for breach of contract, and the cooperative institution shall promise to cooperate with the commercial bank to accept the inspection by the banking regulatory agency and provide relevant information and materials. Commercial banks should independently determine the target customer groups, credit lines and loan pricing standards; Commercial banks may not directly or in disguised form provide financing to the cooperative institutions themselves and their related parties for lending. In addition to the cooperative institutions that contribute to the issuance of loans, commercial banks may not entrust cooperative institutions to perform key operations such as loan issuance, principal and interest recovery, and payment suspension. Commercial banks should explicitly require cooperative institutions not to charge interest fees to borrowers in any form in written cooperation agreements, except for insurance companies and institutions with guarantee qualifications.
4. A commercial bank should fully disclose to the borrower information such as itself and its cooperative institutions, cooperative products, rights and responsibilities of itself and its cooperative parties in a prominent position on relevant pages, fully reveal the risks of cooperative business according to the principle of appropriateness, and avoid brand confusion among customers. Commercial banks should fully disclose the loan subject, actual annual interest rate, annualized comprehensive capital cost, debt service arrangement, overdue collection, consultation and complaint channels, liability for breach of contract and other information to borrowers in a striking way. When a commercial bank needs to obtain the borrower's authorization for risk data, it should prompt the borrower to read the authorization content in detail on the relevant webpage, and disclose the content and time limit of the authorized risk data in a prominent position of the authorization to ensure that the borrower signs and agrees after reading the authorization.
5. Where a commercial bank and other institutions with loan qualifications jointly contribute to the issuance of Internet loans, it shall establish corresponding internal management systems, clarify the management mechanism for the joint contribution of loans by banks and cooperative institutions, and clarify the rights and obligations of all parties in the cooperation agreement. Commercial banks should independently conduct risk assessment and credit approval for the loans they put in, and assume the main responsibility for post-loan management. Commercial banks shall not provide funds for cooperative institutions without lending business qualifications to issue loans in any form, and shall not contribute funds to issue loans to cooperative institutions without lending business qualifications. Commercial banks should carefully select cooperative institutions according to the principle of moderate decentralization, and formulate emergency and recovery plans for business interruption caused by cooperative institutions to avoid risks arising from excessive dependence on a single cooperative institution.
6. Commercial banks should fully consider their own development strategy, business model, asset-liability structure and risk management capabilities, and incorporate the total loans contributed by cooperative institutions into quota management according to the corresponding proportion of total retail loans or total loans, so as to strengthen the risk management of cooperative institutions' concentration. Commercial banks should implement interval management on the investment proportion of a single loan, and share the risks reasonably with the partners.
7. Commercial banks shall not accept direct or disguised credit enhancement services provided by cooperative institutions with unsecured qualifications that do not meet the regulatory requirements for credit insurance and guarantee insurance business qualifications. Commercial banks should fully consider the credit enhancement ability and concentration risk of the above-mentioned institutions when cooperating with cooperative institutions with guarantee qualifications, and meet the regulatory requirements of credit insurance and guarantee insurance business qualifications. Commercial banks shall not relax their control over loan quality because of the introduction of guarantee and credit enhancement.
8. Commercial banks shall not entrust third-party institutions with illegal records such as violent collection to collect loans. Commercial banks should clearly define their rights and responsibilities with third-party institutions, and require them not to collect money from third parties unrelated to loans. If a commercial bank finds that the cooperative institution has illegal acts such as violent collection, it shall immediately terminate the cooperation and hand over the illegal clues to the relevant departments in time.
9. Commercial banks should continue to manage cooperative institutions, identify, evaluate and mitigate risks caused by default or business failure of cooperative institutions in a timely manner. Cooperative institutions shall conduct comprehensive evaluation at least once a year. If it is found that the cooperative institution can no longer meet the access conditions, it shall terminate the cooperative relationship in time. In case of serious violations of laws and regulations during the cooperation period, the cooperative institutions shall be included in the list of prohibited cooperative institutions of the Bank in time.