銀保監會發通知要求加強商業銀行互聯網貸款業務管理
中國銀保監會發布關於加強商業銀行互聯網貸款業務管理、提升金融服務質效的通知,要求各銀行提升金融服務質效,優化貸款流程,充分發揮互聯網貸款在助力市場主體紓困、降低企業綜合融資成本等。
通知要求商業銀行提高互聯網貸款風險管控能力,獨立有效開展身份驗證、授信審批和合同簽訂,嚴格履行貸款調查,防範貸款管理「空心化」;商業銀行應當嚴格執行個人信息保護法等法律法規。
通知要求加強消費者權益保護,商業銀行應當將消費者權益保護嵌入到業務全流程,向借款人如實充分披露貸款主體、實際年利率、年化綜合資金成本等信息,嚴禁強制捆綁銷售、不當催收、濫用個人信息等行為。
商業銀行互聯網貸款存量業務過渡期至2023年6月30日。過渡期內,商業銀行互聯網貸款新增業務應當符合《辦法》《互聯網貸款通知》和該通知要求。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.