Can't the consumer loan exceed 300 thousand to the lender's account?

According to reports, a number of bank officials said that neither personal consumption loans nor commercial loans can be used for buying houses and speculating in stocks, and they are subject to strict regulatory requirements. When applying for a loan, the lender must fill in the purpose of the loan, and also submit contracts, invoices and other materials that can prove the purpose. The CBRC also stipulates that if the amount of consumer loans exceeds 300,000 yuan, it cannot be directly credited to the lender's account, but in the form of entrusted payment, it will be credited to the account related to the purpose.

Recently, Miss Wang received a short message from a joint-stock bank, "Dear customer, thank you for handling our * * loan business. In order to keep track of the use of funds, you need to upload relevant consumption vouchers. Please upload the voucher through our credit card website before 2017165438+10. " Miss Wang used the bank's consumer loan of 50 thousand yuan in the first half of the year, and has already paid off the loan. Miss Wang was so surprised that she received this message.

In fact, Ms. Wang is far from the only customer who has received similar text messages recently. Many banks have also issued similar notices to consumer loan customers in the spirit of supervision. Consumer loans have now fallen into a situation of "chasing and intercepting".