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1、个人贷款管理办法MeasuresfortheAdministrationofPersonalLoans制定机关：国家金淞监督管理总局发文字号：国家金融监督管理总局令2024年第3号公布日期：2024.02.02施行日期：2024.07.01效力位阶：部门规章法规类别：贷款IssuingAuthority：NationalAdministrationofFinancialRegulationDocumentNumber：No.32024oftheStateAdministrationforFinanceRegulationDateIssued：02-02-2024EffectiveDate：07
2、-01-20241.evelofAuthority：DepartmentalRulesAreaofLaw:Loan个人贷款管理办法MeasuresfortheAdministrationofPersonalLoans（2024年2月2日国家金融监督 管理总局令2024年第3号公布 自2024年7月1日起施行）(IssuedbyOrderNo.32024oftheStateAdministrationforFinanceRegulationonFebruary2,2024andshallcomeintoforceonJuly1,2024)第一章总则ChapterIGeneralProvision
3、s第一条为规范银行业金融 机构个人贷款业务行为，加强个 人贷款业务审慎经营管理，促进 个人贷款业务健康发展，依据 中华人民共和国银行业监督管 理法中华人民共和国商业银 行法等法律法规，制定本办 法。Article1Forthepurposesofregulatingthepersonalloanbusinessofbankingfinancialinstitutions,strengtheningtheprudentialbusinessoperationandmanagementofthepersonalloanbusinessandpromotingthesounddevelopmento
4、fthepersonalloanbusiness,theseMeasuresaredevelopedaccordingtotheBankingSupervisionLawofthePeople,sRepublicofChina,theLawofthePeople,sRepublicofChinaonCommercialBanksandotherrelevantlawsandregulations.Article2ForthepurposesoftheseMeasures,ubankingfinancialinstitutions(hereinafterreferredtoasulenders)
5、refertocommercialbanks,ruralcooperativebanks,ruralcreditcooperativesandotherfinancialinstitutionstakingpublicdepositsformedintheterritoryofthePeoplesRepublicofChina.Article3ForthepurposesoftheseMeasures,theterm“personalloan,*referstoaloanindomesticandforeigncurrenciesgrantedbyalendertoanaturalperson
6、whomeetstheprescribedconditionsforpersonalconsumptions,productionbusinessoperation,andotherpurposes.Article4Alendershallcarryoutpersonalloanbusinessundertheprinciplesoflegitimacy,compliance,prudentialoperation,equality,freewill,fairnessandgoodfaith.Article5Alendershallestablishaneffectivecontrolsyst
7、emcoveringthewholeprocessofthepersonalloanbusiness,developloanmanagementrulesandoperatinginstructionsforeachloantype,specifycorrespondingborrowersandscope,implementdifferentiatedriskmanagement,andestablishassessmentandaccountabilitysystemsforeachoperationlink.Article6Alendershallestablisharisklimitm
8、anagementsystemforpersonalloansaccordingtotheactualriskmanagementneeds.第二条本办法所称银行业 金融机构（以下简称贷款人）， 是指在中华人民共和国境内设立 的商业银行、农村合作银行、农 村产用合作社等吸收公众存款的 金融机构。第三条本办法所称个人贷 款，是指贷款人向符合条件的自 然人发放的用于个人消费、生产 经营等用途的本外币贷款。第四条贷款人开展个人贷 款业务，应当遵循依法合规、审 慎经营、平等自愿、公平诚信的 原则。第五条贷款人应建立有效 的个人贷款全流程管理机制，制 订贷款管理制度及每一贷款品种 的操作规程，明确相应贷
9、款对象 和范围，实施差别风险管理，建 立贷款各操作环节的考核和问责 机制。第六条贷款人应根据风险 管理实际需要，建立个人贷款风 险限额管理制度。第七条 个人贷款用途应符 合法律法规规定和国家有关政 策，贷款人不得发放无指定用途Article7Thepurposesofpersonalloansshallcomplywiththeprovisionsoftherelevantlawsandregulationsandtherelevantpoliciesofthestate,andalendershallnotgrantanypersonalloanwithoutdesignatedpurpos
10、es.Alendershallstrengthenthepaymentmanagementofloanfundsandtakeeffectivemeasurestopreventrisksinthepersonalloanbusiness.Article8Thetermofapersonalloanshallcomplywiththerelevantrulesofthestate.Thetermofaloanforpersonalconsumptionshallnotexceedfiveyears;andthetermofaloanforproductionandbusinessoperati
11、onshallgenerallynotexceedfiveyears,andforaloanwithrelativelylongrecoverycycleofoperatingcashflowcorrespondingtothepurposeoftheloan,theloantermmaybeappropriatelyextended,forupto10years.Article9Theinterestrateofpersonalloansshallfollowthemarket-orientedprincipleofinterestrateandbedeterminedbythelender
12、andtheborrowerthroughconsultationincompliancewiththerelevantrulesofthestate.Article10Alendershallestablishareasonableincomeanddebtrepaymentratiocontrolmechanismandreasonablydeterminetheamountandtermofaloaninconsiderationoftheborrowersincome,debt,expenditure,purposesofloan,guaranteestatusandotherfact
13、ors,andmakesurethattherepaymentmadebytheborrowerineachinstallmentiswithinhisabilitytorepaytheloan.的个人贷款。贷款人应加强贷款资金支付管 理，有效防范个人贷款业务风 险。第八条个人贷款的期限应 符合国家相关规定。用于个人消 费的贷款期限不得超过五年；用 于生产经营的贷款期限一般不超 过五年，对于贷款用途对应的经 营现金流回收周期较长的，可适 当延长贷款期限，最长不超过十 年。第九条个人贷款利率应当 遵循利率市场化原则，由借贷双 方在遵守国家有关规定的前提下 协商确定。第十条 贷款人应建立借款 人合
14、理的收入偿债比例控制机 制，结合借款人收入、负债、支 出、贷款用途、担保情况等因 素，合理确定贷款金额和期限， 控制借款人每期还款额不超过其 还款能力。第十一条国家金融监督管 理总局及其派出机构依法对个人 贷款业务实施监督管理。Article11TheStateAdministrationforFinanceRegulationanditslocalofficesshallimplementsupervisionandadministrationofthepersonalloanbusinessaccordingtothelaw.Chapter 11 AcceptanceandInvestig
15、ationChapter 12 Anapplicationforapersonalloanshallmeetthefollowingconditions:(1) TheborrowerisacitizenofthePeople,sRepublicofChinawhohasfullcapacityforcivilconductoraforeignnaturalpersonwhocomplieswiththerelevantrulesofthestate.(2) Thepurposesoftheloanareclearandlegal.(3) Theamount,termandcurrencyof
16、theloanasindicatedintheapplicationarereasonable.(4) Theborroweriswillingandabletomakerepayment.(5) Theborrowerhasasoundcreditstanding.(6) Otherconditionsassetforthbythelender.Article 13 Alendershallrequestaborrowertofileanapplicationforpersonalloaninwritingandproviderelevantmaterialswhichmayprovethathemeetstheconditionsforloan.第二章受理与调查第十二条 个人贷款申请应 具备以下条件：（一）借款人为具有完全民事行 为能力的
