CBRC: The first half of the total new personal consumption loans 650.8 billion yuan

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 reporter's question, the CBRC said that the first half of this year, the cumulative new personal consumption loans 650.8 billion yuan.　　In recent years, with the continuous development of our national economy and the increasing activity of the financial market, the personal loan business has developed rapidly, with a total of 650.8 billion yuan in the first half of 2009, more than 391.7 billion yuan in the same period last year, the CBRC said. However, compared with the increasing number and variety of personal loan status and trends, China still lacks a unified management method to regulate such loans. Although the Commercial bank individual loan management has obtained the more mature experience, but lacks the unified standard for each other, faces the big legal risk and the reputation risk, at the same time, some banking financial institutions loan business illegal operation phenomenon, especially "false mortgage", "Top imposter" and loan misappropriation and so on,　　Not only seriously endanger the legal rights and interests of borrowers, but also affect the capital into the real economy, the impact of credit on the steady and rapid growth of the national economy continued to support the effect. In order to further implement the policy requirements of the Party Central Committee and the State Council to "guarantee growth, promote development, adjust structure and Huiminson", boost the confidence of individual loans, further increase the support role of credit to expand domestic demand, ensure credit funds enter the real economy, protect the legitimate rights and interests of borrowers and lenders, and The China Banking Regulatory Commission (CBRC) has formulated this method on the basis of drawing on and absorbing the advanced management experience of domestic and foreign loan business.