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People’s Daily Online, Beijing, April 3 (Reporter Luo Zhizhi) According to the official website of the People’s Bank of China, in order to promote the new replacement of the car with the old, the People’s Bank of China and the State Administration of Finance and Administration of the National Financial Supervision and Administration jointly issued the “Notice on Adjusting the Relevant Policies for Automobile Loans” (hereinafterReferred to as the “Notice”), it is clear that under the premise of compliance and risk control of financial institutions, financial institutions determine the highest proportion of traditional power vehicles and self -use new energy vehicle loans based on the borrower’s credit status and repayment ability.Encourage financial institutions to combine the segmentation of vehicles to strengthen the innovation of financial products and service with the old and new scenarios, and appropriately reduce the liquidated damages generated by the loan in advance in the process of replacing the new process.
details as follows:
I. The highest ratio of traditional power vehicles and self -use new energy vehicle loans is independently determined by financial institutions; the maximum proportion of commercial traditional power vehicle loans is 70%, and the highest issue ratio of commercial new energy vehicle loans is 75%;The ratio is 70%.
Among them, for the scope of the implementation of new energy vehicle loan policies, financial institutions can refer to the “New Energy Vehicles issued by the Ministry of Industry and Information Technology based on the principle of voluntary, prudential, and risk control based on the” Administrative Measures for the Management of the Automobile Loan “.”Promotion and Application Recommended Model Catalog” execute.
2. Encourage financial institutions to combine the subdivided scenarios of new cars, used cars, and vehicles with old -fashioned new changes to strengthen financial products and service innovation, appropriately reduce the default damage generated by the loan in advance in the process of replacement of the old, and better support the consumer demand of reasonable automobiles.
3. Under the premise of compliance and controlling risks in accordance with laws and regulations, each financial institution combines factors such as the institution’s automotive loan investment policy, risk prevention and control, etc., according to the credit status of the borrower, the repayment ability, etc., the specific distribution ratio and term of the automotive loan distribution shall be reasonably determined by the borrower.Harmony rate; effectively strengthen the management of the entire process of car loan, strengthen pre -loan review and post -loan management, continue to improve the borrower’s credit risk assessment system and pledge value evaluation system, ensure the security of loan assets, and strictly prevent loan funds.
4. Each of the branches of the People’s Bank of China and the General Administration of Financial Supervision shall strengthen the monitoring, analysis and evaluation of the quality of the assets and institutions of automobile loan assets, and promote the steady operation of the auto loan business of financial institutions.In the specific business, various financial institutions should report major situations and problems in time and problems in time to the People’s Bank of China and its branches, the General Administration of Financial Supervision and its dispatch agencies.
The notice of this notice refers to commercial banks, rural cooperative banks, rural credit cooperatives, and non -bank financial institutions that are established in accordance with the law and approved the operating RMB loan business by the State Administration of Finance Supervision in the territory of the People’s Republic of China.
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