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Notice of the Ministry of Finance, People's Bank of China, China Banking Regulatory Commission about Some Issues concerning the Disposal of Bad Personal Loans during the Course of the Stock Reform of State-owned Commercial Banks
[Effective]
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财政部、人民银行、银监会关于国有商业银行股改过程中个人不良贷款处置有关问题的通知
[现行有效]
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【法宝引证码】
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Notice of the Ministry of Finance, People's Bank of China, China Banking Regulatory Commission about Some Issues concerning the Disposal of Bad Personal Loans during the Course of the Stock Reform of State-owned Commercial Banks
(No. 114[2005] of the Ministry of Finance November 10, 2005)
The Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Huarong Asset Management Corporation, China Great Wall Asset Management Corporation, China Orient Asset Management Corporation, and China Cinda Asset Management Corporation:
For the purposes of preventing the moral risks of individual evasion of debts and trying to maintain the social credit, a notice is hereby given as follows to address the relevant issues concerning the disposal of bad individual loans:
| | 财政部、人民银行、银监会关于国有商业银行股改过程中个人不良贷款处置有关问题的通知
（2005年11月10日 财金[2005]114号）
中国工商银行，中国农业银行，中国银行，中国建设银行，交通银行，中国华融资产管理公司，中国长城资产管理公司，中国东方资产管理公司，中国信达资产管理公司：
为切实防范个人逃废债务的道德风险，努力维护社会信用，针对国有商业银行(以下简称“银行”)股份制改革过程中个人不良贷款处置存在的问题，现将有关问题通知如下：
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1. All banks shall carefully summarize the experiences in granting individual loans (including house purchase loans, vehicle purchase loans, education loans, credit card overdrafts and other consumption loans for which the individuals are the borrower), find the problems existing in the grant, management and disposal of individual loans, strictly punish the liable persons in accordance with the relevant provisions, and actively take effective measures to improve and intensify the management and risk control of individual loans.
| | 一、银行应深刻总结个人贷款(包括向个人发放的购房贷款、购车贷款、教育助学贷款、信用卡透支、其他消费贷款等以个人为借款主体的各类贷款)业务的经验教训，查找个人贷款在发放、管理、处置中存在的问题，按照有关规定严肃处理责任人，积极采取有效措施，改进和加强个人贷款的管理和风险控制。
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2. All banks and financial asset management companies (hereinafter referred to as the “asset companies”) shall demand full-amount repayments for individual loans. None of them may dispose of individual loans by pack-selling, discount or otherwise. For the individual loans that meet the requirements for the write-off of bad loans of financial enterprises as prescribed inthe Notice of the Ministry of Finance (No. 50 [2005] of the Ministry of Finance), the records of written-off accounts for the bad loans shall be preserved and the right to demand the repayments for the bad loans shall remain.
．．．．．． | | 二、银行和金融资产管理公司(以下简称“资产公司”)应依法对个人贷款进行全额追偿，不得采取打包出售、打折减免等方式处置。对符合《财政部关于印发＜金融企业呆账核销管理办法＞的通知》(财金[2005]50号)有关呆账核销条件的，在核销后应实行账销案存，继续保留追索权利。
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