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Notice of the Office of the Leading Group for the Special Campaign against Internet Financial Risks and the Office of the Leading Group for the Special Campaign against Peer-to-peer Lending Risks on the Regulation and Rectification of the “Cash Loan” Business [Effective]
互联网金融风险专项整治工作领导小组办公室、P2P网络借贷风险专项整治工作领导小组办公室关于规范整顿“现金贷”业务的通知 [现行有效]
【法宝引证码】

Notice of the Office of the Leading Group for the Special Campaign against Internet Financial Risks and the Office of the Leading Group for the Special Campaign against Peer-to-peer Lending Risks on the Regulation and Rectification of the “Cash Loan” Business 

互联网金融风险专项整治工作领导小组办公室、P2P网络借贷风险专项整治工作领导小组办公室关于规范整顿“现金贷”业务的通知

(Letter No. 141 [2017] of the Office of the Leading Group for the Special Campaign) (整治办函[2017]141号)

The offices of the leading group for the special campaign against Internet financial risks and the joint offices for the special campaign against peer-to-peer (P2P) lending risks of all provinces (autonomous regions and municipalities directly under the Central Government): 各省(自治区、直辖市)互联网金融风险专项整治工作领导小组办公室、网络借贷风险专项整治联合工作办公室:
Recently, the rapidly developing “cash loan” business that is characterized by no scene support, no designated use, no restriction on client group, no mortgage, etc. has played a role in meeting the normal consumption credit needs of some groups. However, excessive borrowing, repeated credit granting, inappropriate collection, abnormally high interest rates, infringement upon personal privacy and other problems are prominent, revealing relatively large financial risks and potential social risks. 近期,具有无场景依托、无指定用途、无客户群体限定、无抵押等特征的“现金贷”业务快速发展,在满足部分群体正常消费信贷需求方面发挥了一定作用,但过度借贷、重复授信、不当催收、畸高利率、侵犯个人隐私等问题十分突出,存在着较大的金融风险和社会风险隐患。
For the purpose of implementing the spirit of the National Financial Work Conference, in accordance with the Banking Supervision Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks, the Measures for Banning Illegal Financial Institutions and Illegal Financial Business Operations, the Guiding Opinions on the Pilot Program of Small Loan Companies, the Implementation Plan for the Special Campaign against Internet Financial Risks, the Implementation Plan for the Special Campaign against Peer-to-peer Lending Risks, the Implementation Plan for the Special Campaign against Risks in Internet Asset Management and Cross-industry Financial Business, the Interim Measures for the Administration of Business Activities of Peer-to-Peer Lending Information Intermediary Institutions, and other relevant laws, regulations and policy documents, you are hereby notified of the relevant matters on the regulation and rectification of the “cash loan” business. 为贯彻落实全国金融工作会议精神,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》《非法金融机构和非法金融业务活动取缔办法》《关于小额贷款公司试点的指导意见》《互联网金融风险专项整治工作实施方案》《P2P网络借贷风险专项整治工作实施方案》《通过互联网开展资产管理及跨界从事金融业务风险专项整治工作实施方案》《网络借贷信息中介机构业务活动管理暂行办法》等有关法律法规和政策文件,现就规范整顿“现金贷”业务有关事宜通知如下。
I. Raising awareness and accurately understanding the principles for the “cash loan” business   一、提高认识,准确把握“现金贷”业务开展原则
1. An institution that forms a financial institution or carries out financial activities shall be subject to access management according to the law. Without obtaining the qualifications for the lending business according to the law, no organization or individual may engage in the lending business. (一)设立金融机构,从事金融活动,必须依法接受准入管理。未依法取得经营放贷业务资质,任何组织和个人不得经营放贷业务。
2. Various institutions shall collect comprehensive capital costs from borrowers in the form of interest rates and various fees in compliance with the provisions of the Supreme People's Court on interest rates of private lending, be prohibited from granting or matching loans in violation of the provisions of the law on interest rates, uniformly convert the comprehensive capital costs collected from borrowers into an annualized form, comprehensively and publicly disclose various loan conditions, overdue information and other information in advance, and remind borrowers of relevant risks. (二)各类机构以利率和各种费用形式对借款人收取的综合资金成本应符合最高人民法院关于民间借贷利率的规定,禁止发放或撮合违反法律有关利率规定的贷款,各类机构向借款人收取的综合资金成本应统一折算为年化形式,各项贷款条件以及逾期处理等信息应在事前全面、公开披露,向借款人提示相关风险。
3. Various kinds of institutions shall follow the principle of “knowing your clients” and fully protect the rights and interests of financial consumers, and shall not cause any borrower to over-borrow and fall into the debt trap by any means. Borrowers' credit, solvency and loan purpose, among others, shall be comprehensively and continuously assessed, to prudently determine the suitability of borrowers, comprehensive capital costs, upper limit of the loan amount, loan term, restriction on loan renewal, requirements for the “cooling-off period,” restriction on loan purpose and repayment method, among others. No loans shall be granted to any borrower without income source. A specific upper limit shall be set on the total amount of the principal, interest and expenses of a single loan, and a loan shall generally be renewed for no more than twice. (三)各类机构应当遵守“了解你的客户”原则,充分保护金融消费者权益,不得以任何方式诱致借款人过度举债,陷入债务陷阱。应全面持续评估借款人的信用情况、偿付能力、贷款用途等,审慎确定借款人适当性、综合资金成本、贷款金额上限、贷款期限、贷款展期限制、“冷静期”要求、贷款用途限定、还款方式等。不得向无收入来源的借款人发放贷款,单笔贷款的本息费债务总负担应明确设定金额上限,贷款展期次数一般不超过2次。
4. Various institutions shall insist on the principle of prudent business operation, comprehensively consider the possible impact of the lack of credit records, borrowing multi-end loans, fraud and other factors on the loan quality, strengthen risk control, and cautiously use the “data-driven” risk control model, and shall not conceal non-performing assets by any means.
......
 (四)各类机构应坚持审慎经营原则,全面考虑信用记录缺失、多头借款、欺诈等因素对贷款质量可能造成的影响,加强风险内控,谨慎使用“数据驱动”的风控模型,不得以各种方式隐匿不良资产。
......

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