The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 11? Personal loan application shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

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Relevant laws and regulations of Interim Measures for the Administration of Personal Loans:

Article 20? Lenders should, according to the principle of prudence, improve the authorization management system, standardize the examination and approval operation process, clarify the loan examination and approval authority, implement the separation of loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization.

Lenders should distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.

Article 21? Bank card application form, application form and contract are contractual documents provided by the issuing bank to the bank cardholder, which clarify the rights and responsibilities of both parties. The cardholder's signature indicates acceptance of all agreements. The issuing bank shall formulate the bank card application form and credit card contract according to the principle of equal rights and obligations.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans