CBRC: Interim measures for the administration of personal loans no increase in credit difficulty

Xinhua Beijing, October 28, 28th, the CBRC on the "personal loan management interim measures (draft)" (hereinafter referred to as the "method") to the community for advice.　　In response to a question from reporters, the CBRC said that the "method" does not set additional conditions for the application of specific types of loan business, but focuses on the monitoring and management of the whole process of loans, does not elevate the threshold of personal access to credit, and therefore will not have an impact on the acquisition of credit.　　The CBRC officials said that the "method" does not set additional conditions for the application of specific types of loan business, but focuses on the monitoring and management of the whole process of loans, without raising the threshold for individuals to obtain loans, and therefore will not have an impact on the acquisition of credit.　　In terms of loan use, it is emphasized that no specified use of loans should be issued, and that the loan funds should be managed and controlled by the trustee or the borrower's own payment, in fact, the current mortgage, car loan and other personal consumer goods loans in practice have been paid in accordance with this law. At the same time, the "measures" fully consider the actual situation of personal financing transactions in China, and strive to conform to the objective reality, on the basis of the common provisions of respect for methods, the specific commercial banks in accordance with the relevant policy requirements, the implementation of personalized management, the establishment of specific management rules and procedures. Therefore, in this sense, there is no new change in the specific conditions and thresholds of individual loans in the "method", which will not only inhibit the reasonable growth of commercial banks ' loan business, but also make the arrangement of personal loans payment more beneficial to the safe use of individual loans. On the contrary, it will increase the loan demand for people to use the confidence of loans, to a certain extent, will also be the development of commercial bank loans to promote and safeguard the role.