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| Notice of the China Banking Regulatory Commission, the Ministry of Public Security, the State Administration for Market Regulation, and the People's Bank of China on Matters concerning Regulating Private Lending and Maintaining the Economic and Financial Order | | 中国银行保险监督管理委员会、公安部、国家市场监督管理总局、中国人民银行关于规范民间借贷行为维护经济金融秩序有关事项的通知 |
| (No. 10 [2018] of the China Banking Regulatory Commission) | | （银保监发〔2018〕10号） |
| All local offices of the China Banking Regulatory Commission (“CBRC”); public security departments (bureaus) and industry and commerce bureaus (market regulation departments) of all provinces, autonomous regions and municipalities directly under the Central Government; the Public Security Bureau of Xinjiang Production and Construction Corps; the Shanghai Head Office of the People's Bank of China (“PBC”), all branches and business management departments of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all policy banks, large-scale banks, and joint stock banks; Postal Savings Bank of China; foreign-funded banks; and financial assets management companies: | | 各银监局；各省、自治区、直辖市公安厅（局）、工商局（市场监管部门）、新疆生产建设兵团公安局；中国人民银行上海总部，各分行、营业管理部，各省会（省府）城市中心支行，各副省级城市中心支行；各政策性银行、大型银行、股份制银行，邮储银行，外资银行，金融资产管理公司： |
| For purposes of regulating private lending, maintaining the economic and financial order, preventing financial risks, effectively protecting the lawful rights and interests of the people, and cracking down on financial illegal and criminal activities, 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 Criminal Law of the People's Republic of China, the Measures for Banning Illegal Financial Institutions and Illegal Financial Business Operations and other laws and regulations, the relevant matters are hereby notified as follows: | | 为规范民间借贷行为，维护经济金融秩序，防范金融风险，切实保障人民群众合法权益，打击金融违法犯罪活动，根据《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》《中华人民共和国刑法》及《非法金融机构和非法金融业务活动取缔办法》等法律法规，现就有关事项通知如下： |
| I. Effectively enhancing understanding | | 一、切实提高认识 |
| In recent years, private lending has developed rapidly. Illegal activities featuring violent collection have become increasingly common, which have seriously disrupted the economic and financial order and social order. All relevant departments shall fully realize the necessity of regulating private lending and the social harm of violent collection, proceed from implementing the basic strategy of comprehensively governing the country by law, maintaining the economic and financial order, and maintaining economic and social stability, and conduct the relevant work in a diligent manner. | | 近年来，民间借贷发展迅速，以暴力催收为主要表现特征的非法活动愈演愈烈，严重扰乱了经济金融秩序和社会秩序。各有关方面要充分认识规范民间借贷行为的必要性和暴力催收的社会危害性，从贯彻落实全面依法治国基本方略、维护经济金融秩序、保持经济和社会稳定的高度出发，认真抓好相关工作。 |
| II. Grasping work principles | | 二、把握工作原则 |
| The principles of governance in accordance with the law, paying equal attention to temporary and permanent solutions, taking multiple measures, and combining direction and prevention shall be adhered to, private lending shall be further regulated, the sound and orderly flow of private funds shall be directed, relevant illegal activities shall be severely cracked down on, the social environment shall be purified, and the economic and financial order and social stability shall be maintained. | | 坚持依法治理、标本兼治、多方施策、疏堵结合的原则，进一步规范民间借贷行为，引导民间资金健康有序流动，对相关非法行为进行严厉打击，净化社会环境，维护经济金融秩序和社会稳定。 |
III. Specifying credit rules
．．．．．． | | 三、明确信贷规则
．．．．．． |
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