China News Service, January 6th. According to the news from the website of the China Banking and Insurance Regulatory Commission on the 6th, the China Banking and Insurance Regulatory Commission issued "Interim Measures for the Management of Fixed Assets Loans", "Interim Measures for the Management of Working Capital Loans", "Interim Measures for the Management of Personal Loans" and "Guidelines for Project Financing Business". and other credit management systems (hereinafter referred to as "three measures and one guideline"), and formed the "Fixed Asset Loan Management Measures (Draft for Comments)", "Working Fund Loan Management Measures (Consultation Draft)" and "Personal Loan Management Measures (Draft for Comments)" Draft for Comments) and Regulations on Management of Project Financing Business (Draft for Comments) (hereinafter referred to as “Three Measures and One Regulation”) are open to the public for comments.
The key contents of the revision include: First, moderately broaden the scope of purposes and objects of working capital loans and fixed asset loans to meet the actual needs of the credit market.
The second is to further clarify the entrusted payment standards, moderately adjust the entrusted payment time limit, increase the relevant regulations on emergency funds, and improve the flexibility of entrusted payments.
The third is to rationally adjust the loan business processing mode, clarify the processing methods such as video interviews and off-site investigations, and adapt to new financing scenarios.
The fourth is to optimize the calculation requirements for working capital loans, and increase the content related to credit-based loan handling, so as to better meet the actual financing situation.
The fifth is to clarify the loan term requirements, guide commercial banks to effectively prevent the risk of loan term mismatch, and further optimize the loan structure.
Sixth, integrate other relevant credit management systems to improve the systemicity of the system.
The person in charge of the relevant department of the China Banking and Insurance Regulatory Commission answered reporters' questions about the above system, saying that in order to fill the gap in the loan period system, effectively prevent the risks caused by the mismatch of loan periods, and further optimize the loan structure, this revision clarifies: the working capital loan period Must not exceed 3 years.
In principle, the term of fixed asset loans shall not exceed 10 years. If the loan period exceeds 10 years, the head office shall be responsible for the approval. Banks whose business scope covers the whole country may authorize the first-level branches for approval.
The term of personal consumption loans shall not exceed 5 years, the term of personal business loans shall generally not exceed 5 years, and the period of recovery of operating cash flow corresponding to the purpose of the loan shall not exceed 10 years.
If the relevant state departments have other regulations on the loan period of real estate loans, personal housing loans, personal student loans, etc., the relevant regulations shall continue to be implemented.
In the next step, the China Banking and Insurance Regulatory Commission will further revise and improve the "three measures and one regulation" based on feedback from all walks of life, and issue and implement them in due course.
(China New Finance and Economics)
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