Loan regulations

Interim Measures for the Administration of Special Loans of the People's Bank of China

Chapter I General Provisions Article 1 According to the Trial Measures for the Management of Credit Funds of the People's Bank of China, in order to meet the special needs of regional economic development, the People's Bank of China arranged funds to start special loans within the national comprehensive credit plan, which were earmarked for special purposes. In order to strengthen the management of special loans, these measures are formulated. Chapter II Types and Uses of Loans Article 2 Economic loans for developing old, less developed, border and poor areas are mainly used for key construction projects in "old, less developed, border and poor" counties identified by the State Council, so as to accelerate local economic development and enhance economic strength. Article 3 Local economic development loans. According to the overall plan of local economic development, it is mainly used for key construction projects to revitalize the local economy and give play to its advantages. Article 4 Use the foreign exchange quota to purchase RMB loans. According to the approval of the State Planning Commission, the state balances the special use of foreign exchange, and coastal port cities and localities expand the right to use foreign exchange. Within the RMB loan amount issued by the People's Bank of China, it is mainly used for the technical transformation of designated projects or key enterprises and key projects. Fourteenth coastal port cities and special economic zones development loans. According to the development plan approved by the State Council, it is mainly used for development projects such as the introduction and development of resources and new technologies in economic development zones. Chapter III Object and Conditions of Loan Article 6 Any economic entity that has been approved and registered by the administrative department for industry and commerce, is qualified as a legal person, has independent accounting and has the ability to repay loans, and can fill in the application form for special loans (omitted) and apply for special loans from banks as long as it meets the following conditions:

1. The project proposal approved by the competent examination and approval authority must include the technical and economic feasibility study report (omitted), the design task book and the preliminary design budget approval, and be included in the national or sub-regional fixed assets investment plan of that year.

2. Have the starting conditions. The land requisition procedures for construction land are complete, the construction strength, materials and equipment are implemented, and the environmental protection measures are reliable.

3. After the loan project is put into production, the raw materials are complete, the energy supply is guaranteed, and the products are marketable, which meets the requirements of less money, quick effect, large income, high exchange rate and good social and economic benefits.

4. The self-raised funds and minimum working capital required after production have been implemented according to the proportion stipulated by the state.

5. The source of funds for repayment of loan principal and interest must be implemented. Where pre-tax profits, tax relief or other income payable to the relevant departments are used to repay the principal and interest of loans, it must be approved by the tax authorities or relevant departments.

6. A legal person with corresponding funds as loan collateral or corresponding economic capacity guarantees the loan. Chapter IV Term of Loan and Interest Rate Article 7 The term of special loan is 65,438+0 to 3 years, from the date of loan to the repayment of principal and interest, and a few are 4 to 5 years. The longest single project with long construction period and good social and economic benefits shall not exceed 7 years. Article 8 The interest rate of special loans shall be subject to the interest rate stipulated by the state. Old, less, border and poor areas develop economic loans and implement preferential interest rates; Fourteen, coastal port cities and special economic zones development loans, local economic development loans, according to the interest rate of fixed assets loans; If RMB loans are purchased with foreign exchange quota for technical transformation, they will bear interest at the fixed asset loan rate, and if they are used for working capital, they will bear interest at the working capital loan rate. Article 9 Calculation method of interest. Capital construction loans shall bear annual interest from the date of loan. Technical transformation loans should be settled and collected quarterly. If there is no source of income during the construction of new projects, the interest may be suspended upon approval. However, the uncollected interest receivable shall be calculated at compound interest.

In case of interest rate adjustment, interest shall be collected by stages. Chapter V Review, Issuance and Recovery of Loans Article 10 People's banks in all localities must give prominence to key points in the special loan plan issued by the superior bank and carefully examine and approve loans in accordance with credit policies and principles. Eleventh loan projects can generally be approved in three ways:

The first one is determined by the People's Bank of China. The first and second branches of the People's Bank of China shall select and designate relevant branches of the People's Bank of China for review and evaluation according to the capital construction or technical transformation projects reported by relevant departments and cities. In accordance with the examination and approval authority stipulated by the branches of provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning and special economic zones (hereinafter referred to as branches of provinces, autonomous regions and municipalities directly under the Central Government, the same below), after the approval of the People's Bank of China, it may entrust specialized banks (or other financial institutions, the same below) to issue shares.

The second type entrusts specialized banks to audit fixed projects. According to the basic construction or technical transformation projects reported by the relevant departments and cities, after screening by the first and second branches of the People's Bank of China, the relevant professional banks are entrusted to conduct review and evaluation. After obtaining the consent of the People's Bank of China, the entrusted banks are responsible for determining the projects.

The third kind of people's banks and specialized banks are subject to the same examination and determination. For a few large-scale capital construction or technical transformation joint loan projects, the People's Bank of China and specialized banks will jointly review and evaluate them, and examine and approve them according to the examination and approval authority.

Loan approval and loan issuance methods are decided by the first and second branches of the People's Bank of China. Twelfth after the approval of the loan project, the entrusted bank or the People's Bank of China shall sign a loan contract with the borrower according to the official approval and relevant documents. A copy of the contract was sent to the local people's bank. Where the loan project is approved in the first and second ways mentioned above, the entrusting bank and the entrusted bank shall sign an entrustment agreement (omitted).

Interim Measures for the Administration of Personal Loans

Chapter I General Provisions Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other laws and regulations in order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business. _ Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business. _ Article 3 The term "personal loan" as mentioned in these Measures refers to the loan principal granted by the lender to qualified natural persons for personal consumption, production and operation. _ Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith. _ Article 5 The lender shall establish an effective personal loan whole-process management mechanism, formulate loan management system and operation rules for each loan type, define the corresponding loan object and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of the loan. _ Article 6 The lender shall establish a personal loan risk limit management system according to the dimensions of region, variety and customer base. _ Article 7 The use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes. _

Lenders should strengthen the management of loan fund payment and effectively guard against personal loan business risks. Article 8 The term and interest rate of personal loans shall be implemented in accordance with the relevant provisions of the state. _ Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt repayment ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenditure, loan purpose, guarantee and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability. Article 10 The China Banking Regulatory Commission shall supervise and manage the personal loan business in accordance with these Measures. _ _ Chapter II Acceptance and Investigation Article 11 An application for a personal loan shall meet the following conditions: _

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; _

(2) The purpose of the loan is clear and legal; _

(3) The amount, duration and currency of the loan application are reasonable; _

(4) The borrower has the willingness and ability to repay; _

(5) The borrower's credit status is good and there is no significant bad credit record; _

(6) Other conditions required by the lender. _ Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. _ Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. _ Article 14 The loan investigation includes but is not limited to the following contents: _

(1) Basic information of the borrower; _

(2) The income of the borrower; _

(3) the purpose of the loan; _

(4) The source, ability and method of repayment of the borrower; _

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity. _ Article 15 The loan investigation is mainly based on on-the-spot investigation, supplemented by indirect investigation, and adopts ways and methods such as on-the-spot verification, telephone inquiry and information consultation. _ Article 16 The lender may prudently entrust a third party to handle some specific matters in the loan investigation without damaging the legitimate rights and interests of the borrower and controlling risks, but the qualifications of the third party must be made clear. _

The lender shall not entrust all matters of loan investigation to a third party. _ Article 17 The lender shall establish and strictly implement the loan interview system. _

If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower. _ Chapter III Risk Assessment and Approval _ Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation contents, focusing on the due diligence of the investigators and the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio and risk degree. _ Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, and adopt quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.

The lender shall establish and improve the borrower's credit record and evaluation system. _ Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the examination and approval procedures, clarify the authority of loan examination and approval, separate loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization. _ Article 21 The lender shall notify the borrower of the unapproved personal loan application. Article 22 The lender shall evaluate and analyze the loan approval process according to the changes of major economic situation and the obvious increase of default rate, adjust the approval policy in a timely and targeted manner, and strengthen the management of related loans. Chapter IV Agreement and Dissolution Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels. _

How do college students borrow money from banks?

Students who meet the demand conditions can apply for student loans issued by China Development Bank.

There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Because of financial problems in starting a business, you can apply for college students' entrepreneurial loans.

Application conditions for college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Extended data:

Student loan:

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

College students' entrepreneurial loans:

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

6. Application materials for college students' entrepreneurial loans.