《贷款证》是中国人民银行发给注册地法人企业向国内各金融机构申请借款的资格证明书。目的是为了有效反映企业借还款状况,减少金融机构贷款风险,建立信贷管理的自我约束机制。去年4月1日,中国人民银行颁布了《贷款证管理办法》,并在全国推行统一的《贷款证》制度。该制度推行一年来,虽然对防范信贷风险起到了一定积极作用,但效果还不够理想,需进一步加强管理和规范。 “Loan card” is a qualification certificate issued by the People’s Bank of China to a registered corporate entity for applying for a loan by domestic financial institutions. The purpose is to effectively reflect the situation of enterprises borrowing repayments, reduce the risk of lending of financial institutions and establish a self-restraint mechanism of credit management. On April 1 last year, the People’s Bank of China promulgated the Measures for the Administration of Loan Cards and implemented a unified “loan certificate” system across the country. Although the system had played a positive role in preventing credit risks in the past year, the effect was not satisfactory and management and norms need to be further strengthened.