The Interim Measures for the Administration of Personal Loans have corresponding provisions:
Article 23? The 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.
The loan contract shall comply with the provisions, and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, the payment conditions and the payment method.
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Relevant laws and regulations of Interim Measures for the Administration of Personal Loans:
Article 38? The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liability for breach of contract for the borrower's failure to provide true and complete information as promised in the contract and to use and pay the loan as agreed in the contract.
The practice of international personal loan business and the long-term practice of Chinese banks show that the interview system can effectively identify the identity of individual customers, investigate the credit status and repayment ability of borrowers, and effectively prevent personal loan risks.
Article 39? The CBRC will give banking financial institutions a three-month preparation period, and urge them to formulate or modify their own management rules and operating procedures in accordance with the relevant requirements of the Measures to make preparations for implementation.
Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans