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《贷款通则》共12章80条,分别对贷款发放的基本原则、贷款种类、贷款期限、利率、借款人、贷款人在贷款活动中的权利和义务,贷款程序、不良贷款监督管理责任制、贷款债权保全和清偿管理、贷款管理特别规定、罚则等作了规定。一、《贷款通则》的基本原则。根据《中国人民银行法》、《商业银行法》等有关法律规定,为了规范贷款行为,维护借贷双方的合法权益,保证信贷资产安全,提高贷款使用的整体效益、促进社会经济持续发展为制定《贷款通则》的基本原则。其基本原则具有较强的针对性、公正平等性、通用性和相对稳定性。1、针对性。对当前贷款中存在的突出问题,做出了相应规定。如在借贷活动中的行为不规范、程序不规范、不良贷款管
The “General Rules for Loans” consists of 12 chapters and 80 articles respectively, which respectively provide basic principles for loan disbursement, types of loans, maturity of loans, interest rates, rights and obligations of lenders in lending activities, procedures for loans, non-performing loans supervision and management responsibility system, Loan claims preservation and liquidation management, loan management special provisions, penalties and other provisions. First, the “General Principles of Loans” the basic principles. In accordance with the relevant laws and regulations such as the “Law of the People’s Bank of China” and the “Commercial Bank Law”, in order to regulate the loan behavior, safeguard the legitimate rights and interests of both lenders and borrowers, ensure the safety of credit assets, enhance the overall effectiveness of loan use and promote sustainable social and economic development, Loan General "principle. Its basic principles have strong pertinence, fair equality, universality and relative stability. 1, targeted. The current loans exist in the outstanding issues, made the appropriate provisions. Such as non-standard behavior in the lending activities, non-standard procedures, non-performing loans