Special credit refers to the credit granted by commercial banks to special financing projects and exceeding the basic credit limit based on national policies, changes in market conditions and special needs of customers. Single-family credit is credit granted to a single user.

In order to effectively prevent and control Internet loan business risks, the "Measures" focus on regulating the following aspects. The first is to clarify the principle of small and short-term Internet loans, set credit limits for consumer personal credit loans, and prevent the risk of a rapid increase in the personal leverage ratio of residents.

For personal loans and working capital loans with a term of more than one year, commercial banks will re-evaluate and approve the credit corresponding to the loan at least every year.

The second is to strengthen unified credit management and prevent excessive credit.

The third is to strengthen the management of loan payment and fund use. The purpose of loan funds should be clear and legal, and may not be used for investment in house purchases, stocks, bonds, futures, financial derivatives and asset management products, or investment in fixed assets and equity equity.

The fourth is to put forward full-process and all-round requirements for risk data, risk model management and information technology risk management. The fifth is to strengthen supervision during and after the event. Regulatory agencies shall supervise and inspect the Internet loans of commercial banks, establish data statistics and monitoring mechanisms, and may put forward prudential supervision requirements based on commercial banks' operation and management conditions, risk levels and other factors, and strictly adhere to the bottom line of risks.