A revised version of the private lending sunshine loan general rules to enlarge the lending subject

Economic observation Net reporter Hu Yongping this net to know exclusively, the central bank-led revision of the "General loan rules" has been reported to the State Council Legal Affairs Office, and has entered a substantive revision of the approval phase, the first draft of the non-financial institution lenders into the "loan rules" of the scope of the norms, which means that private lending "sunshine"　　The process is speeding up.　　In this draft, non-financial institution-type lenders refer to the regulatory department established by the provincial people's Government in accordance with the law to apply for registration and obtain a business license in the administrative department of Industry and Commerce, do not absorb the public deposits, professional business enterprise of loan business.　　For Non-financial Enterprises and individuals who have not been authorized to set up as lenders, the draft rules on loans require that, under the premise of limiting total, number and interest income, loans can be carried out according to the rules of civil law and the contract law. For a long time, private lending and underground banks have been in the grey area of law.　　The revised "General loan rules" means that, on the basis of these two legal support, private lending has also been approved by the People's Bank of the department, which means that the underground banks are going to sunshine. Central bankers have previously said to the economic observer network that the extension of the scope of the loan subject to the general agreement between the ministries, the lender's legal status will be reflected in the final revision. "It is certain that this consensus will basically appear in the final version of the revised loan rules," he said.　　"For this relatively principled provision, a number of institutions have been asked to express their support for the expansion of the loan subject."　　Unlike in the past, in the regulatory body, the government has increased the regulatory authorities established by provincial governments to regulate the lenders of non-financial institutions in their respective administrative areas, and the CBRC is still responsible for prudential supervision of financial institution lenders.　　At the same time, the draft stipulates that the central bank is responsible for the development of macro-credit guidance, interest rates, credit management, consumer protection and other aspects of the loan market policy, and the implementation of these policies of lenders can be supervised inspection.　　Central bankers say there is still a lot of controversy about the loan rules, and it will take more time to pass the bill altogether. The amendment to the loan rules was launched in 2000 with the intention of standardizing the credit markets, that is, whether financial institutions lend or non-financial institutions lend.