个人贷款管理办法（Personal loan management method）.doc

个人贷款管理办法（Personal loan management method） Interim measures on personal loan management The first chapter general Article 1 with a view to regulating the behavior of individual loan business banking financial institutions, strengthen personal loan business of prudent management, promoting the healthy development of personal loan business on the basis of the banking supervision law of the Peoples Republic of China , commercial bank law of the Peoples Republic of China and other laws and regulations and these measures.  Article 2 the Peoples Republic of China approved by the China banking regulatory commission set up by the banking financial institutions (hereinafter referred to as lender) to operate a personal loan business, should abide by these measures.  Article 3 personal loans referred to in these measures refer to the foreign currency loans made by the lender to the eligible natural persons for personal consumption and production and operation.  Article 4 personal loans shall be subject to the principle of compliance according to law, prudent operation, equal willingness and fair faith.  Article 5 the lender shall establish effective personal loans whole process management mechanism, making the loan management system and the operation rules of each loan varieties, clear the corresponding loan object and range, the difference between risk management and establish loans each operation stage of assessment and accountability.  Article 6 the lender shall establish the personal loan risk limit management system according to the region, variety and customer base.  Article 7 the use of personal loans shall be in accordance with the provisions of the laws and regulations and the relevant policies of the state, and the lender shall not issue personal loans without designated use.  The lender should strengthen the loan fund payment management, effectively prevent the personal loan business risk. Article 8 the term and interest rate of personal loan shall comply wit