According to Article 17 of the Interim Measures for the Administration of Personal Loans, lenders should establish and strictly implement the loan interview system. Where low-risk pledged loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.
Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.
Extended data:
Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:
(1) Failing to investigate and review the loan due diligence;
(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;
(3) The terms of the loan contract have not been publicized;
(four) in violation of the provisions of article twenty-seventh;
(five) payment management does not meet the requirements of these measures.
Too much talk about the interim measures for the administration of county government-personal loans