Current loan regulation issued to prevent excess credit

CBRC issued two new rules for loans, a loan method required to sign Yinjie yesterday, the CBRC announced the "interim measures for the management of liquidity loans" and "personal loan management interim measures."　　Banking Regulatory Commission related officials said that liquidity loans can not be diverted to fixed assets, equity investment, banks to prevent excessive credit, not vicious competition and surprise lending.　　Will not affect the total amount of credit according to reporters understand that these two methods have been formally implemented on February 12, coupled with the implementation of the last year, "Fixed assets loan management interim measures" and "project financing Business Guidelines", the CBRC has completed the classification of several types of loans provisions.　　The CBRC officials explained that the bank loans, fixed assets loans, working capital loans accounted for a large proportion of personal loans, including mortgages, car loans and self-employed business loans. "From 2007 onwards, some funds began to be diverted into the stock market, the property market."　　These people told reporters that, for risk prevention considerations, the introduction of a guideline in three ways to prevent funds from being diverted. The provisions of these loans are more stringent in terms of loan payments and post loans, including a certain amount and condition of loan payments, which the bank will pay directly to the recipient of the loan.　　"Interim measures for the management of working capital loans" also requires financial institutions to reasonably measure the liquidity needs of enterprises, determine the amount and duration to prevent excessive credit. "Misappropriation of loans derives from loans beyond the actual liquidity requirements of borrowers." "The above officials pointed out that the new rules should not only ensure the normal operation of enterprises on the demand for liquidity, but also to prevent excessive lending led to misappropriation of funds."　　In addition, the new rules, while increasing the flow of personal and business loans from banks, will not increase the cost of credit and will not affect the total amount of credit. In accordance with the fixed assets and current assets loan, the CBRC also requires the trustee to pay for the loan.　　That is, after the public has applied for a loan, the bank has beaten the loan to a counterparty account with the public. In accordance with the interim measures for the administration of personal loans, banks must, when issuing loans, identify individuals by means of a face-signing system to understand the actual use of borrowings and investigate the borrower's credit status and repayment ability. Sourceph ">