事关个人贷款，新规发布！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics-app.cnyw.net/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">你有没有这样的经历，签贷款合同时只看到6%的年利率，但实际上背后还有担保费、服务费、咨询费……</span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><br /></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">国家金融监督管理总局、中国人民银行3月15日对外发布《个人贷款业务明示综合融资成本规定》，</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">要求贷款人向借款人展示综合融资成本明示表，清晰披露个人贷款息费成本，使个贷各项息费“阳光化”“透明化”。</span></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><section style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" style="width: 100%;" src="https://pics-app.cnyw.net/20260317/1773735180055748357.jpeg" /></section><p><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">金融监管总局、中国人民银行有关司局负责人介绍，近年来，我国个人贷款市场快速发展。与此同时，个人贷款业务息费信息披露方面暴露出一些不规范、不透明问题，既容易引发金融消费纠纷，又影响利率政策效果、削弱金融服务实体经济质效。因此有必要制定出台监管规定，促进行业规范健康发展。</span></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">为准确完整反映个人贷款业务中借款人实际承担的融资成本，规定</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">将与个人贷款相关的所有成本纳入综合融资成本</span><span style="font-size: 18px;">，包括但不限于正常履约情形下借款人需支付的贷款利息、分期费用、增信服务费等融资成本，以及违约情形下需要支付的逾期罚息等或有成本。</span></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">规定坚持</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">贷款机构全涵盖</span><span style="font-size: 18px;">，适用银行、消费金融公司、汽车金融公司、信托公司、小贷公司等各</span></span><span style="text-indent: 2em; color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">类放</span></span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">贷机构。</span></span></p><p><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">规定要求贷款人开展个人贷款业务时，向借款人</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">逐项明示</span><span style="font-size: 18px;">具体成本项目、收取方式、收取标准（折算为年化水平）以及收取主体。</span></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">同时应明确提示，除已明示的成本项目外，贷款人及其合作机构不再向借款人收取其他与贷款相关的任何息费。</span></span></p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><section style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pics-app.cnyw.net/20260317/17737351813366934565.jpeg" /></section><p> </p><blockquote><p><span style="font-size: 18px; color: #000000;">在具体操作方面，规定要求，现场办理个人贷款业务的，应当在签署贷款合同或办理分期前，</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">由借款人在综合融资成本明示表上签字确认</span><span style="font-size: 18px; color: #000000;">。</span></p><p> </p><p><span style="font-size: 18px; color: #000000;">线上办理个人贷款业务的，</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">应当通过弹窗方式向借款人展示综合融资成本明示表</span><span style="font-size: 18px; color: #000000;">，设置强制阅读时间，由借款人在签署贷款合同或办理分期前确认。</span></p><p> </p><p><span style="font-size: 18px; color: #000000;">线上消费场景下办理分期付款业务的，</span><span style="font-size: 18px; color: #7b0c00; font-weight: bold;">应在消费订单支付页面以显著方式清晰展示</span><span style="font-size: 18px; color: #000000;">综合融资成本相关信息。</span></p></blockquote><p> </p><p style="text-indent: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 18px;">规定将于今年8月1日起施行，施行时按照“新老划断”原则，新增业务严格按规定要求开展明示综合融资成本工作。</span></span></p><section><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></section><hr style="border-style: solid; border-width: 1px 0 0; border-color: rgba(0,0,0,0.1); -webkit-transform-origin: 0 0; -webkit-transform: scale(1, 0.5); transform-origin: 0 0; transform: scale(1, 0.5);" /><section><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">来源：人民日报客户端</span></span></section><p style="display: none;"> </p> <!----></div> 北京的规定是规定，下面的执行是执行教育部还规定不能补课，义乌金华浙江江苏湖北黑龙江广东。。。。全国各地补课风行 上有政策下有对策！ 以前还不晚自习，早早放学了，疫情之后，规定是自愿，实际 统统晚自习，时不时还上课，家长上交的用费收的发财了 上有规定
下有龟定 路过看看 路过 不会去贷款
页:
[1]