The Banking Regulatory Commission strengthens the business management of commercial banks Internet loan business

In order to further regulate the business behavior of the Internet loan business of commercial banks, the China Banking Regulatory Commission issued a notice on the 15th, from the aspects of fulfilling the responsibility of the main body of loan management, strengthening information and data management, improving loan fund management, standardizing cooperative business management, and strengthening consumer rights protection. The demands of the Internet loan business management requirements of commercial banks have been clarified.

The notification requires commercial banks to improve the risk management and control capabilities of Internet loans, prevent loan management "hollow"; complete and accurately obtain information data required by identity verification, pre -loan investigation, risk assessment and post -loan management, and take effective measures to verify its authenticity; Take the initiative to strengthen the management of loan funds, effectively monitor the use of funds, ensure the security of loan funds, prevent the interception and misappropriation of cooperative institutions; effectively protect consumers' legitimate rights and interests, fully disclose various types of information, and it is strictly forbidden to improper collection and other behaviors.

The notice requires that commercial banks shall regulate the Internet loan cooperation business with third -party institutions, sign cooperation agreements on joint funding, information technology cooperation and other business categories and clarify the power and responsibilities of all parties.

In terms of transition period arrangements, according to reports, comprehensive consideration of factors such as the reorganization of commercial banks, business continuity, and connection with credit reporting regulations, notifying the transition period setting is consistent with the "Measures for the Management of Credit Credit Business", that is, from the date of release to 2023, 2023 June 30th.

According to statistics, as of the end of 2021, the balance of Internet loans of banking financial institutions was 5.75 trillion yuan, a year -on -year increase of 21.8%. Among them, personal Internet loans and corporate mobile funds Internet loans used for production and operation increased by 68.1%and 46.3%year -on -year.

According to the CBRC, the next step will promote commercial banks to carry out Internet loan business in accordance with the law and prudent Internet loan business, effectively improve the level of management and management, and continue to improve the quality and efficiency of financial services. (Reporter Li Yanxia)

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