Personal loans to real loan to pay the threshold does not raise

"Interim measures for the administration of personal loans" public consultation the CBRC recently on the "personal loan management interim measures" public consultation, this is the first personal loan management regulations.　　The method requires the lender not to issue a personal loan without a specified purpose, and the individual loan funds shall in principle be paid to the borrower by way of the trustee's payment.　　The CBRC said yesterday that the scheme did not set additional conditions for the application of specific types of loans, and that the monitoring and management of the whole process of the loan did not raise the threshold of personal access to credit and therefore would not have an impact on the acquisition of credit. The CBRC said that the individual loan management of commercial Bank lacks the unified standard, faces the big legal risk and the reputation risk, at the same time, some banking financial institution's loan business has the illegal operation phenomenon, especially "the false mortgage", "the Top imposter" as well as the loan appropriation and so on sometimes.　　To this end, the CBRC will be a new regulation of the loan has been standardized.　　In fact, the current individual application for car loans, mortgages, in the payment are entrusted to the borrower, that is, the bank will personally borrow money directly to the corresponding car dealers and housing dealers account, and not through the individual's own account.　　However, the CBRC said taking into account the complexity of the borrower's transaction object in the personal loan, it is clear that the method can be adopted by the borrower if it is difficult to determine the specific transaction object in advance and the amount of the object is not more than 300,000 yuan or the transaction objects do not have the condition to use the Non-cash settlement method effectively. In addition, the banking financial institutions to issue farmers loans, auto finance companies to issue personal loans, can temporarily not implement the CBRC's new approach, credit card overdraft is not suitable for new methods.　　At the same time, the CBRC gave banking institutions a three-month preparation period. According to the latest statistics, in recent years, with the continuous development of China's national economy and the increasingly active financial markets, personal loan business has developed rapidly, only in the first half of 2009, the cumulative increase in personal consumption loans of 650.8 billion yuan, compared with the same period last year more than 391.7 billion yuan.