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多地严查消费贷 广东规定个人消费贷最高100万
2017-09-21 07:07:16 中国经济网
多地启动严查
中国人民银行广州分行、广东银监局联合发布的《通知》指出,2017年以来,广东省内部分地区和金融机构的个人消费贷款(包括短期消费贷款、中长期消费贷款、信用卡透支)快速增长,其中个别金额较大、期限较长的消费贷款与日常消费属性不匹配,存在违规流入房地产领域的风险。
《通知》要求,严禁个人消费贷款资金用于生产经营、投资以及支付购房首付款或偿还首付款借款等行为,不得发放无指定用途消费贷款。对已抵押房产,在购房人没有全部归还贷款前,不得以再评估后的净值为抵押追加贷款。
此外,《通知》规定,原则上不发放金额超过100万元或者期限超过10年的个人综合消费贷款。值得注意的是,《通知》要求建立个人消费贷款业务月度监测机制,自2017年10月起,广州地区各商业银行应于每月12日前报送《个人消费贷款产品月度监测表》,广东省内其他地区商业银行应向当地人民银行中心支行和银监分局报送数据。
李宇嘉向《每日经济新闻》记者表示,“银行可以做到用途审查,以装修贷款为例,贷款必须要打到开户名为建材公司或者装修公司的账户,才能发放出去,通过委托支付的形式进行监测。”他同时表示,将贷款期限缩短,额度缩小,影响还是很大的。值得关注的是,在广东之前,北京、江苏、深圳等多地已经出手严查消费贷。
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