The CBRC has issued four new regulations on loan management

Personal loan must face sign interview the CBRC recently issued the interim measures for the management of working capital loans and the interim measures for the administration of personal loans, which began to be implemented from the date of release. These two methods and the previous "Fixed assets loan management interim measures" and "project financing business Guideline" and called "three methods a guideline", together constitute our country bank loan management new regulation, preliminarily constructs and consummates our country banking financial institution's loan business regulation frame,　　And it will be the long-term system arrangement of banking loan risk supervision in China.　　　　According to the director of the CBRC, "Three approaches a guideline" the policy is to urge the banking financial institutions to truly realize the change of development mode, establish the concept of "real loan and payment", establish the fine credit management mode of the whole process, control the credit funds from the source to divert the risk, ensure the loan capital flows to the real economy. Strictly calculate the demand for operating capital loans currently in operation practice, the existence of liquidity loans were diverted for other purposes such as fixed assets investment, "flow lending method" Provisions to strengthen the use of loan management, liquidity loans may not be used for fixed assets, equity and other investments, shall not be used in the country to prohibit the production,　　At the same time, liquidity loans shall not be diverted, the lender should be in accordance with the contract agreed to carefully check and monitor the use of working capital loans. The main reason for the current misappropriation of funds is that the amount of working capital lent exceeds the actual liquidity required of the borrower. Therefore, the current lending method emphasizes the reasonable calculation of the borrower's actual operating capital demand, and on the basis of the issuance of liquidity loans, at the same time strengthen the payment of funds, after the loan management and withdrawal of funds control, timely analysis of the borrower's business, finance, credit, payment, guarantee and financing quantity and channel changes,　　To master all kinds of risk factors affecting borrowers ' solvency, not only meet the normal capital demand of enterprises, but also prevent the excessive credit, which leads to the misappropriation of loan funds. After the loan management process, "flow loan method" requires the lender to pay attention to the borrower's management, management, financial and capital flow and other important early warning signals, timely take credit, additional security and other effective measures to prevent the risk of resolving the loan, in particular, to require the lender through a reasonable set of loan business varieties and deadlines, the establishment of　　Negotiate and sign account management Agreement to strengthen the control over the withdrawal of funds. Non-specified use of personal loans shall not be issued the credit scheme expressly stipulates that lenders shall not issue personal loans without a specified purpose. An individual should have a clear legal purpose for the loan when making a loan application.　　At the same time, the lender should conduct due diligence on the borrower's borrowing purpose and effectively prevent the risk of personal loan business. The credit scheme requires the implementation of the loan interview face sign system. On the one hand, the lender should establish and strictly implement the loan interview system, the case of the low risk personal pledge loan issued by the electronic bank channel, the lender may not carry on the loan interview, but should at least take effective measures to determine the borrower's true identity. Loans in addition to electronic banking channelsPeople should require the borrower to sign a loan contract and other related documents in person, to prevent the appearance of individuals by illegal criminals to take bank loans, or the borrower's credit funds by others, to protect the legitimate rights and interests of borrowers.　　　　The process of payment of personal loan funds is mainly paid by the lender, that is, the borrower will pay the borrower's transaction directly according to the borrowers ' withdrawal requisition and payment entrustment, and in special circumstances, the borrower can pay the loan by himself.　　Can reduce the borrower's interest payments in the market there have been doubts, the new loan rules to implement loan payment management, the process is more complex, this will affect the banking institutions and borrowers costs? In this respect, the Banking Regulatory Commission in charge of the introduction of new regulations in the drafting process, by some banking institutions to carry out the actual business calculation. The results show that the loan payment management provisions of the new loan regulations can guarantee the borrower's normal demand, also can guarantee the timely and effective payment of the loan funds, reduce the borrower's interest expense and save the borrower's financial cost.　　For the banking financial institutions, it may increase the operating cost of some links from the point of view of the single business, but in fact, because of the reduction of the loan diversion risk, the overall loan quality will be improved and the overall benefit of the banking financial institutions will be improved. The introduction of the loan scheme will also not affect the application and use of personal loans. The person in charge of the personal loan process requirements do not raise the threshold of personal access to credit, will not affect the application of personal loans. At the same time, the concept of Trustee payment management proposed by the loan method is already the current practice of the banking financial institutions, and it is the institutionalization of the current practice, so it will not affect the use of the borrower's funds, on the contrary, it also protects the financial consumers ' rights and interests.