Chapter I General Provisions Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other laws and regulations in order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business. _ Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business. _ Article 3 The term "personal loan" as mentioned in these Measures refers to the loan principal granted by the lender to qualified natural persons for personal consumption, production and operation. _ Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith. _ Article 5 The lender shall establish an effective personal loan whole-process management mechanism, formulate loan management system and operating rules for each loan type, define the corresponding loan object and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of the loan. _ Article 6 The lender shall establish a personal loan risk limit management system according to the dimensions of region, variety and customer base. _ Article 7 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. _
Lenders should strengthen the management of loan fund payment and effectively guard against personal loan business risks. Article 8 The term and interest rate of personal loans shall be implemented in accordance with the relevant provisions of the state. _ Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt repayment ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenditure, loan purpose, guarantee and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability. Article 10 The China Banking Regulatory Commission shall supervise and manage the personal loan business in accordance with these Measures. _ _ Chapter II Acceptance and Investigation Article 11 An application for a personal loan shall meet the following conditions: _
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; _
(2) The purpose of the loan is clear and legal; _
(3) The amount, duration and currency of the loan application are reasonable; _
(4) The borrower has the willingness and ability to repay; _
(5) The borrower's credit status is good and there is no significant bad credit record; _
(6) Other conditions required by the lender. _ Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets 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. _ Article 14 The loan investigation includes but is not limited to the following contents: _
(1) Basic information of the borrower; _
(2) The income of the borrower; _
(3) the purpose of the loan; _
(4) The source, ability and method of repayment of the borrower; _
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity. _ Article 15 The loan investigation is mainly based on on-the-spot investigation, supplemented by indirect investigation, and adopts ways and methods such as on-the-spot verification, telephone inquiry and information consultation. _ Article 16 The lender may prudently entrust a third party to handle some specific matters in the loan investigation without damaging the legitimate rights and interests of the borrower and controlling risks, but the qualifications of the third party must be made clear. _
The lender shall not entrust all matters of loan investigation to a third party. _ Article 17 The lender shall establish and strictly implement the loan interview system. _
If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower. _ Chapter III Risk Assessment and Approval _ Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation contents, focusing on the due diligence of the investigators and the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio and risk degree. _ Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, and adopt quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.
The lender shall establish and improve the borrower's credit record and evaluation system. _ Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the examination and approval procedures, clarify the authority of loan examination and approval, separate loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization. _ Article 21 The lender shall notify the borrower of the unapproved personal loan application. Article 22 The lender shall evaluate and analyze the loan approval process according to the changes of major economic situation and the obvious increase of default rate, adjust the approval policy in a timely and targeted manner, and strengthen the management of related loans. Chapter IV Agreement and Dissolution Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels. _
Interim Measures for the Administration of Personal Loans
Interim Measures for the Management of Personal Loans (hereinafter referred to as the Measures) In order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business, effectively prevent risks, promote the healthy development of personal loan business, improve the refined level of credit asset management, and build a harmonious credit culture, China Banking Regulatory Commission (hereinafter referred to as the CBRC) comprehensively draws on and absorbs advanced management experience of personal loan business at home and abroad, and according to People's Republic of China (PRC) * * *.
Article 1 In order to standardize the personal loan business of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations.
Two, banking financial institutions in People's Republic of China (PRC) and approved by the China Banking Regulatory Commission (hereinafter referred to as lending institutions) to operate personal loan business, should abide by these measures.
Personal loans as mentioned in these Measures refer to loans granted by lenders to qualified natural persons for personal consumption, production and business purposes.
Four, personal loans should follow the principles of legal compliance, prudent operation, equality and voluntariness, fairness and good faith.
V. Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for various types of loans, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.
Six, the lender shall establish a personal loan risk limit management system according to the dimensions of region, variety and customer base.
Seven, the use of personal loans should comply with the provisions of laws and regulations and the relevant policies of the state, the lender shall not issue personal loans without specified purposes.
Eight, lenders should strengthen the management of loan funds payment, effectively prevent personal loan business risks. The term and interest rate of personal loans shall comply with the relevant provisions of the state.
Nine. The lender shall establish a reasonable control mechanism for the borrower's income-debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount per installment not to exceed its repayment ability.
Ten, China Banking Regulatory Commission in accordance with the measures for the supervision and management of personal loan business.
Chapter ii acceptance and investigation.
Eleven, personal loan applications should meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Twelve, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
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. [2]
Fourteen The loan investigation includes but is not limited to the following contents:
(1) Basic information of the borrower;
(2) The income of the borrower;
(3) the purpose of the loan;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
Fifteen, the loan investigation should be based on field investigation, supplemented by indirect investigation, and take the ways and methods of on-site verification, telephone inquiry and information consultation.
16. The lender may prudently entrust a third party to handle some specific matters in the loan investigation without harming the legitimate rights and interests of the borrower and controlling risks, but the qualifications of the third party must be clarified.
The lender shall not entrust all matters of loan investigation to a third party.
How to get loans for individual business licenses?
Application conditions
Personal business loans are available to China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet our personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. If the legal person is not the main partner, actual controller or shareholder of the enterprise, it does not meet the target requirements of the personal business loan method.
1, aged over 18 and under 60, having a fixed residence within the jurisdiction of the branch, permanent residence or valid residence certificate;
2. The borrower and its business entity have good credit and stable operation;
3. Other conditions stipulated by the relevant bank.
Processing flow:
1. The borrower applies for a loan from the bank and submits relevant materials.
2. With the approval of the bank, the borrower and the guarantor sign loan contracts and guarantee contracts with this institution.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the borrower's account.
4. The borrower repays the loan principal and interest on schedule.
5. After the loan is settled, go to the bank for withdrawal.
Extended data
Commercial characteristics
At present, the personal business loans of domestic banks have the following characteristics:
1, the loan amount is high: for example, the maximum loan amount of personal business loans of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan;
2. Long loan term: general credit can be up to 10 year, and a single loan can be up to 5 years;
3. There are many ways of guarantee: only pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee.
4. It has the function of revolving loan: this kind of loan can be applied for once and repaid with the loan, which is convenient and fast.