Banking Regulatory Commission: Banks need to use new methods to manage loan issuance as soon as possible

Xinhua Beijing, December 11 (reporter Bai Jiechun, Liu Shiping) reporter 11th from the China Banking Regulatory Commission learned that the previous issued "Fixed assets loan management interim measures" "project financing Business Guidelines" implementation is relatively smooth.　　The CBRC requires the banking industry to manage loan issuance and optimize risk management in a new way as soon as possible.　　The CBRC held its 90th meeting recently to study and deploy some specific issues in the promulgation and implementation of the interim measures for the management of fixed assets loans, the project financing business guideline, the interim measures for the management of working capital loans and the interim measures for the administration of personal loans. The meeting held that in recent years, the complex and changeable economic and financial situation in China and abroad has put forward higher requirements for banking supervision ability and prudent operation of commercial banks, which will help to improve the management level and risk management ability of the banking industry. Supervision departments at all levels should strengthen management and publicity, increase on-site inspection, guide the banking financial institutions to continuously improve the level of credit management in the implementation, as soon as possible with a new approach to effectively manage the loan issuance and optimization of risk management work. The CBRC requested that in the implementation of the new loan management method, the following work should be done carefully: first, we must start from the contract documents, and do a good job of the borrower and the beneficiary according to the contract joint verification progress and quality of the key link. Second, the regulatory departments to the "Fixed assets loan management interim measures" and "project financing Business Guidelines" implementation of the 2010 on-site inspection of the important content, focusing on the investigation of the borrower violated the provisions, to avoid the loan payment and other acts. Third, we should revise and perfect the off-site monitoring report as soon as possible and fully reflect the "new credit" situation. Four is to guide the large and medium-sized banks to take a differentiated development path, to avoid the development strategy, pattern convergence.　　Five is to increase the "three measures a guideline" publicity efforts, strengthen training, improve the effectiveness of policy implementation. It is understood that in the Banking Regulatory Commission on the loan business of a package of regulations, "interim measures for the management of fixed assets loans" and "Project financing business Guidelines" has been formally promulgated, "Interim measures for the management of liquidity loans" "personal loan management interim measures" has also been open to the community for comments.