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1996年 8月 1日 ,《贷款通则》开始正式施行。《贷款通则》作为新中国建立以来第一部比较系统和全面的信贷管理行政规章 ,对规范贷款人尤其是商业银行的信贷管理行为、强化借款人的信用观念起到了重要作用 ,有利于维护正常的经济金融秩序 ,有利于建立和健全市场经济的信用制度
August 1, 1996, “General Loans” came into effect. As the first comparatively comprehensive and comprehensive credit administration administrative regulation since the founding of People’s Republic of China, the General Rules on Loans played an important role in regulating the credit management behavior of lenders, especially commercial banks, and strengthening the borrower’s credit concept, which is conducive to maintaining normality Economic and financial order, is conducive to establishing and improving the market economy credit system