The CBRC's regulation on off-site loans is that banking financial institutions must conduct business with deposits as the main premise in the process of lending. The CBRC mainly supervises the banking and insurance industries according to laws and regulations, and relevant financial institutions, banks and trust institutions investigate unqualified institutions.
The relevant legal basis of this article.
Article 11 of the Interim Measures for the Administration of Personal Loans
The following situations:
(1) The borrower is a citizen of China and a natural person with full capacity for civil conduct;
(2) For loans
(three) the amount and duration of the loan application
(4) The borrower has
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Lender
2. Can Jiangsu Suning Bank make online deposits in different places?
Suning bank can't deposit in different places. In order to further standardize the deposit market, the regulatory authorities issued a ban on deposits in different places. The restricted banks include local corporate banks such as city commercial banks, rural commercial banks, rural banks and private banks.
Suning Bank is a regular bank. Suning Bank, the full name of Jiangsu Suning Bank Co., Ltd., is a private bank, and obtained the financial license issued by Jiangsu Banking Regulatory Bureau on June 17.
Third, if the company wants to borrow money, can it borrow money from banks in other cities and counties? Can you give the CBRC a written stipulation? ...
can
Four, the provisions of the bank loan in different places
Legal analysis: CBRC is responsible for linking inventory with loans from different places, and shall not charge for loans, share floating profits, tie-in loans, float to the top, or pass on costs. Simply put, in the process of lending, banking financial institutions must be separated from the deposit business, and deposits should not be the main premise of lending. In addition, he has four open conditions: reasonable fees, high-quality pricing, openness and transparency, and reducing fees and making profits. When collecting the service fee, he will follow the unified pricing, and the price of the service must reflect the principle of openness and transparency. The preferential targets of financial services are limited to small and micro enterprises, vulnerable groups, social welfare and three rural enterprises. Legal basis: Article 12 of the Interim Measures for the Administration of Personal Loans requires borrowers to apply for personal loans in writing, and requires borrowers to provide relevant information that can prove that they meet the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.