| | |
| Notice by the National Financial Regulatory Administration of Strengthening the Management of the Internet Loan Facilitation Business of Commercial Banks to Enhance the Quality and Efficiency of Financial Services | | 国家金融监督管理总局关于加强商业银行互联网助贷业务管理提升金融服务质效的通知 |
| (No. 9 [2025] of the National Financial Regulatory Administration) | | （金规〔2025〕9号） |
| All local offices of the National Financial Regulatory Administration (“NFRA”); all large banks, joint-stock banks, foreign-funded banks, and direct sale banks: | | 各金融监管局，各大型银行、股份制银行、外资银行、直销银行： |
| In recent years, some commercial banks have rapidly developed the Internet-based loan facilitation business by virtue of external Internet platforms. While the efficiency of loan services is enhanced, problems such as inadequate management by headquarters, mismatching of rights, responsibilities and benefits, unreasonable pricing mechanisms, imprudent business development, and insufficient protection of financial consumers' rights and interests have been exposed. To strengthen regulation and management, in accordance with the Interim Measures for the Administration of Internet Loans of Commercial Banks and other relevant provisions, you are hereby notified of the relevant matters as follows: | | 近年来，部分商业银行借助外部互联网平台发放贷款的互联网助贷业务快速发展，在提升贷款服务效率的同时，也暴露出总行管理不到位、权责收益不匹配、定价机制不合理、业务发展不审慎、金融消费者权益保护不完善等问题。为加强规范和管理，根据《商业银行互联网贷款管理暂行办法》等有关规定，现就有关事项通知如下： |
| 1. Internet loan facilitation is part of Internet loans and shall strictly comply with the Interim Measures for the Administration of Internet Loans of Commercial Banks and other regulatory rules and regulations. | | 一、互联网助贷属于互联网贷款，应当严格遵守《商业银行互联网贷款管理暂行办法》等监管规章制度。 |
| 2. In conducting the Internet loan facilitation business, commercial banks shall adhere to the principles of centralized management by the headquarters, matching powers, responsibilities and benefits, reasonable risk pricing, and appropriate business scale. | | 二、商业银行开展互联网助贷业务，应当坚持总行集中管理、权责收益匹配、风险定价合理、业务规模适度的原则。 |
| 3. The headquarters of commercial banks shall specify the department primarily responsible for the Internet loan facilitation business, improve management rules, make sound and reasonable business development plans, establish scientific and prudent risk management indicator systems, strengthen the management of the overall loan facilitation business of banks, and strictly manage such indicators as the scale, growth rate, concentration, ratio of non-performing loans, ratio of formation of non-performing loans, and subrogation payment ratios of different platforms and different products. | | 三、商业银行总行应当明确互联网助贷业务主责部门，健全管理制度，制定稳健合理的业务发展规划，建立科学审慎的风险管理指标体系，对银行整体助贷业务加强管理，并针对不同平台、不同产品的规模、增速、集中度、不良贷款率、不良贷款形成率、代偿赔付率等指标实施严格管理。 |
| 4. Commercial banks shall strengthen the access management of platform operators and credit enhancement service institutions, prudently establish access standards, effectively conduct due diligence, and conduct strict approval. The headquarters shall enter into cooperation agreements with platform operators and credit enhancement service institutions with complete elements, clear division of work, equal rights and obligations, and fair and reasonable terms. The content of the agreement shall include relevant provisions of this Notice. | | 四、商业银行应当加强平台运营机构、增信服务机构准入管理，审慎制定准入标准，有效实施尽职调查，从严审批。总行应当与平台运营机构、增信服务机构签订要素完整、分工清晰、权责对等、公平合理的合作协议，协议内容应当包含本通知相关规定。 |
| ．．．．．． | | 商业银行总行应当对平台运营机构、增信服务机构实行名单制管理，通过官方网站、移动互联网应用程序等渠道披露名单，及时对名单进行更新调整。商业银行不得与名单外的机构开展互联网助贷业务合作。 |
| | ．．．．．． |
Dear visitor,you are attempting to view a subscription-based section of lawinfochina.com. If you are already a subscriber, please login to enjoy access to our databases . If you are not a subscriber, please subscribe . Should you have any questions, please contact us at:
+86 (10) 8268-9699 or +86 (10) 8266-8266 (ext. 153)
Mobile: +86 133-1157-0713
Fax: +86 (10) 8266-8268
database@chinalawinfo.com
| |
您好：您现在要进入的是北大法律英文网会员专区，如您是我们英文用户可直接 登录，进入会员专区查询您所需要的信息；如您还不是我们 的英文用户，请注册并交纳相应费用成为我们的英文会员 。如有问题请来电咨询；
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail: database@chinalawinfo.com
|
| | | |
| | | |