个人贷款管理新政与商业银行适用之策

The New Regulation on Personal Loans and the Response Strategies of Commercial Banks

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,保护金融消费者合法权益,促进个人贷款业务健康发展,银监会于2010年2月12日发布了《个人贷款管理暂行办法》,并于发布之日起施行。办法将对商业银行个人贷款经营产生重大影响。本文试就个人贷款管理新规定的主要内容进行诠释,并就商业银行应对之策提出几点建议,以期对商业银行正确适用个人贷款管理新规定有所裨益。

Interim Measure of Persona Loans is issued by CBRC on February 12,2010 and put into force that day. It aims to regulate personal loans of financial institutions, strengthen management and promote development of personal loans, and uphold financial consumers’ legitimate rights and interests. The regulation will have a significant impact on personal loans of commercial banks. This paper tries to interpret the main content of the new regulation. It also gives suggestions on the response of commercial banks to help using the new regulation correctly.