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What are the application conditions for personal credit loans?
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
2. What are the general principles of loans?
General principles of loans, in order to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and borrowers, ensure the safety of credit assets, and improve the overall efficiency of loan use. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations, and shall come into force on August 20 10 1996+0.
Full text of loan general rules
(China People's Bank1June 28, 996)
Article 1 The purpose is to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and lenders, ensure the safety of credit assets and improve the overall benefit of loan use. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank.
Article 2 The term "lender" as mentioned in these General Rules refers to a legally established Chinese-funded financial institution engaged in loan business in China. The borrower mentioned in these General Rules refers to legal persons, other economic organizations, individual industrial and commercial households and natural persons who have obtained loans from Chinese-funded financial institutions engaged in loan business. The term "loan" as mentioned in these General Rules refers to the monetary funds provided by the lender to the borrower and repaid the principal and interest at the agreed interest rate and time limit. The loan currencies in these General Rules include RMB and foreign currency.
Article 3 The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.
Article 4 Lending activities of borrowers and lenders shall follow the principles of equality, voluntariness, fairness, honesty and credibility.
Article 5 Lenders shall follow the principles of fair competition and close cooperation when conducting loan business, and shall not engage in unfair competition.
Article 6 The People's Bank of China and its branches are the supervisory institutions for implementing the general principles of loans.
Loan procedure
Article 25 loan application
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.
Twenty-sixth borrowers credit rating evaluation:
The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
Twenty-seventh loan investigation:
After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Twenty-eighth loan approval:
Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
Twenty-ninth signed a loan contract:
All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.
The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law.
Article 30 Loan issuance:
The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
Article 31 Post-loan inspection:
After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
Article 32 Loan repayment:
The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract.
The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule.
The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection.
Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it should be urged to repay or repay according to law.
The borrower shall negotiate with the lender when repaying the loan in advance.
3. Are the general principles of loans administrative regulations or national regulations?
The General Rules for Loans is formulated by the People's Bank of China, which is not a law or regulation, but a departmental regulation, and its effectiveness level is lower than that of laws and administrative regulations.
General principles of loans, in order to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and borrowers, ensure the safety of credit assets, and improve the overall efficiency of loan use. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations, and shall come into force on August 20 10 1996+0.