个人贷款新规！8月1日起施行→
<p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;" data-pm-slice="0 0 []"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">近日，国家金融监管总局、中国人民银行对外发布《个人贷款业务明示综合融资成本规定》，</span><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 122, 170);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="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; text-align: center; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 122, 170);font-weight: bold;">什么是综合融资成本？</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">即所有和贷款有关的利息及各种费用的总和，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所有成本。</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; text-align: center; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 122, 170);font-weight: bold;">如何保证落实？</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">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，由借款人在综合融资成本明示表上签字确认。</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">线上办理个人贷款业务的，应当通过弹窗方式向借款人展示综合融资成本明示表，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></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">线上消费场景下办理分期付款业务的，应在消费订单支付页面以显著方式清晰展示综合融资成本相关信息。</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">新规坚持贷款机构全涵盖，适用银行、消费金融公司、汽车金融公司、信托公司、小贷公司等各类放贷机构。</span></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; caret-color: rgba(255, 255, 255, 0.55); color: rgba(255, 255, 255, 0.55); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 0, 0);">考虑到机构调整系统需要时间，</span><span textstyle="" style="font-size: 16px;letter-spacing: 1px;color: rgb(0, 122, 170);font-weight: bold;">新规将从今年8月1日起正式实施。</span></span></p><p>来源：新华社、央视新闻</p><link rel="stylesheet" href="//513425.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Cez" id="wcn_editor_css"/>
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