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日前,银监会下发了《关于进一步加强按揭贷款风险管理的通知》,要求各商业银行坚持贷款风险审慎指标控制,严格借款人资格审查,注重从源头上防范贷款风险。要坚持面测面试和实访制,把做实每笔贷款的尽职调查作为发放贷款的前提条件。坚持落实借款合同面签制度,核实借款人首付款真实情况,采取切实有效措施防范“假按揭”、“假首付”现象的发生。
Recently, the CBRC issued the Circular on Further Strengthening the Risk Management of Mortgage Loans, requiring all commercial banks to adhere to the prudential index control of loan risks, strictly review the qualifications of borrowers and pay attention to guarding against loan risks from the source. It is necessary to adhere to the face-to-face interview and interview system and make due diligence on each loan as a prerequisite for loan issuance. Adhere to the implementation of the loan contract surface sign system to verify the borrower’s down payment of the real situation, take effective measures to prevent the “false mortgage”, “fake down payment ” phenomenon.