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《贷款通则》是中国人民银行根据《中华人民共和国中国人民银行法》关于加强对金融业的监督管理的要求而制定的。《通则》于1994年10月开始起草,在起草过程中,中国人民银行对我国金融业贷款管理的状况进行了深入调查研究,广泛听取了各家银行、企业、专家和国家各经济管理部门的意见,并借鉴了国外有关信贷法规和金融机构贷款管理的经验。《通则》于1995年7月开始在金融业内部试行,收到了良好的效果。1996年年初以来,人民银行和各家银
The General Rules for Loans are formulated by the People’s Bank of China in accordance with the requirements of the People’s Bank of China Law of the People’s Republic of China on strengthening the supervision and administration of the financial industry. The General Rules were drafted in October 1994. During the drafting process, the People’s Bank of China conducted an in-depth investigation and study of the state of the lending in the financial industry in our country and extensively listened to the opinions of various banks, enterprises, experts and various economic management departments of the country Opinions, and draws on foreign experience in credit regulations and loans management of financial institutions. The “General Rules” started trial in the financial industry in July 1995 and received good results. Since the beginning of 1996, the People’s Bank and various banks