《个人贷款管理暂行办法》解析（Analysis of Interim Measures for the administration of individual loans）.docVIP

《个人贷款管理暂行办法》解析（Analysis of Interim Measures for the administration of individual loans） Edit this paragraph four, personal loan management Interim Measures resolution 1, the loan method of the main content A way is divided into eight chapters forty-seven, general principles, acceptance and investigation, risk assessment and approval, agreement and payment, payment management, loan management, legal liability and supplementary provisions, mainly put forward regulatory requirements from the loan business process specification point of view, is to present a system for loan regulations perfect, to promote the commercial banks to improve the quality of personal financial services at the same time, carefully control the related financial risks. The main points in the following aspects: one is to strengthen the management of the whole process of loans, commercial bank loans to promote the transformation of traditional management mode, improve the level of refinement of commercial bank loan asset management; two is to advocate the loan payment management concept, strengthen the purpose of loan management, enhance the ability of commercial bank risk prevention and control at the same time, prevent the borrower misappropriation of funds; three is the effective management emphasizes the contract, strengthen the loan risk control points, to create a good credit environment; four is the emphasis on strengthening credit management, improve the quality of credit management; five is to make clear the legal liability of the lender, the loan to strengthen the responsibility, build good credit culture. 2, loan measures for personal loan requirements Loan method clearly stipulates that the use of personal loans should comply with the laws and regulations and the relevant state policies, lenders may not grant personal loans without designated purposes. When applying for a loan, an individual shall have clear and lawful loan purposes. At the same time, the lender shall make due diligence