personal loan
The Measures for Personal Loans consists of eight chapters and 47 articles, including general provisions, acceptance and investigation, risk assessment and approval, agreement and issuance, payment management, post-loan management, legal liability and supplementary provisions. The regulatory requirements are mainly put forward from the perspective of loan business process specification, which is a systematic improvement of the existing personal loan regulatory laws and regulations, so as to promote commercial banks to improve the quality of personal financial services and prudently control related financial risks. The main points are as follows: first, strengthen the whole process management of loans, promote the transformation of traditional loan management mode of commercial banks, and improve the refined level of personal loan asset management of commercial banks; The second is to advocate the management concept of loan payment, strengthen the management of loan use, improve the risk prevention and control ability of commercial banks, and prevent the borrower's funds from being misappropriated; Third, emphasize the effective management of contracts, strengthen the control of loan risk points and create a good credit environment; Fourth, strengthen post-loan management and improve the quality of credit management; The fifth is to clarify the legal responsibilities of lenders, strengthen the pertinence of loan responsibilities, and build a healthy credit culture.
Requirements for loan purpose
The Measures for Personal Loans clearly stipulates that the use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes. When applying for a loan, an individual should have a clear and legal purpose for the loan. At the same time, the lender should conduct due diligence on the borrower's loan purpose to effectively prevent personal loan business risks.
application area
The Measures for Personal Loans are not only applicable to banking financial institutions, but also to non-bank financial institutions such as consumer finance companies and auto finance companies. This is mainly based on the following two considerations: first, the personal loan business provided by non-bank financial institutions such as consumer finance companies and auto finance companies is similar to banking financial institutions in product characteristics and business operation mode; Second, non-bank financial institutions such as consumer finance companies have objective difficulties in organization, technology and management, and it is difficult to fully implement some requirements in the Personal Loan Measures.
Face to face signature system
The "Personal Loan Measures" require the implementation of the loan interview system. On the one hand, lenders should establish and strictly implement the loan interview system. For low-risk personal pledge loans issued through e-banking channels, lenders may not conduct loan interviews, but at least take effective measures to determine the true identity of borrowers. At the same time, in addition to loans handled through electronic banking channels, lenders should require borrowers to sign loan contracts and other relevant documents in person.
Emphasis on interviews is mainly to verify the authenticity of personal loans, prevent individuals from taking bank loans under the guise of criminals, or prevent borrowers' credit funds from being misappropriated by others, and effectively protect the legitimate rights and interests of borrowers.