Does Jiangsu Bank need a consumption voucher for consumer loans?

Recently, a number of banks have sent similar short messages to customers who have used consumer loans, asking customers to provide consumer loans such as consumer invoices and loan funds. A small partner who is going to apply for a personal housing mortgage loan, because in the previous six months, he repeatedly inquired about the credit information of applying for a personal consumption loan in a commercial bank or an internet money institution, and was finally rejected by the bank on the grounds of suspected "down payment loan".

Consumer loans mainly refer to personal consumption loans other than mortgage and car loans, such as consumption behavior in tourism, education, medical care, decoration and other scenes. Now the consumer loans originally used for various consumer expenditures have been used for other purposes, especially in the real estate market, as down payment.

Xiao, director of the Prudential Supervision Bureau of the China Banking Regulatory Commission, said at the briefing held on September 29th that banks must operate in compliance with laws and regulations in developing consumer loan business, comprehensively and truly evaluate consumers' repayment ability, and must not push up the debt leverage ratio for the business, let alone encourage the consumption bubble.