人民银行各分行及金融监管办事处、营业管理部,省会(首府)城市中心支行,深圳、大连、青岛、宁波、厦门市中心支行,国有独资商业银行,股份制商业银行:中国人民银行《关于开展个人消费贷款的指导意见》颁发以来,各商业银行积极开拓个人消费信贷业务,相继开展的个人住房、助学、耐用消费品等消费贷款业务均有不同程度的较快发展,对引导居民消费、扩大内需,促进信贷结构调整、支持国民经济发展发挥了积极作用。但是,也发现一些商业银行违反《贷款通则》的有关规定,发放了一些无指定用途的个人消费贷款,增加了金融风险。对于上述违规行为,中国人民银行已经明令禁止。为切实防范信贷风险,积极稳妥地推进个人消费信贷业务的开展,现就有关事项通知如下: PBC Branches and Financial Regulatory Offices, Business Management Departments, City Center Branches of Provincial Capitals, Shenzhen, Dalian, Qingdao, Ningbo, Xiamen Central Branch State-owned Commercial Banks, Joint Stock Commercial Banks: People’s Bank of China Since the issuance of the Guiding Opinions on Personal Consumption Loans, all commercial banks have actively explored personal consumer credit business. The consumer loans businesses such as personal housing, student education and consumer durables, which have been successively launched, have witnessed rapid development in varying degrees and are conducive to guiding residents’ consumption and expanding Domestic demand, promoting the adjustment of credit structure and supporting the development of the national economy. However, some commercial banks also found that some non-designated personal consumer loans have been issued in violation of the relevant provisions of the General Rules for Loans, which has increased the financial risks. The People’s Bank of China has already banned the above irregularities. In order to effectively prevent credit risks and actively and steadily promote the development of personal consumer credit business, we hereby notify you of the relevant issues as follows: