个人贷款管理办法(国外英语资料).docVIP

个人贷款管理办法(国外英语资料) Temporary measures for personal loan management The first chapter general Article 1 with a view to regulating the behavior of individual loan business banking financial institutions, strengthen personal loan business of prudent management, promoting the healthy development of personal loan business on the basis of the banking supervision law of the Peoples Republic of China , commercial bank law of the Peoples Republic of China and other laws and regulations and these measures.  Article 2 the Peoples Republic of China approved by the China banking regulatory commission set up by the banking financial institutions (hereinafter referred to as lender) to operate a personal loan business, should abide by these measures.  Article 3 the term personal loans, refers to the natural person issued by the lender to eligible for personal consumption, production and business purposes of local and foreign loans.  Article 4 personal loans shall be subject to the principle of compliance according to law, prudent operation, equal willingness and fair faith.  Article 5 the lender shall establish effective personal loans whole process management mechanism, making the loan management system and the operation rules of each loan varieties, clear the corresponding loan object and range, the difference between risk management and establish loans each operation stage of assessment and accountability.  Article 6 the lender shall establish the management system of the personal loan risk limit according to the region, variety and customer base.  Article 7 the use of personal loans shall be in accordance with the provisions of the laws and regulations and relevant policies of the state, and the borrowers shall not issue personal loans without designated use.  Lenders should strengthen the management of loan funds to prevent the risk of personal loans. Article 8 the term and interest rates of personal loans shall meet the relevant provisions of the state.  Article 9 of t