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中国人民银行于1996年8月1日正式颁布实施的《贷款通则》,它是我国建国以来第一部系统、全面的贷款管理的行政法规,是经济转轨时期或可称谓未来的“贷款法”。它不仅是商业银行及金融机构发放贷款必须执行的通则,而且实质上是全国经济部门进行各种借贷活动、处理借贷关系必须严格遵守、认真执行的法律准则。还包括限制哪些部门不能擅自发放贷款、办理借贷或变相借贷的规定。
The People’s Bank of China formally promulgated the “General Rules on Loans” on August 1, 1996. It is the first comprehensive and systematic loan administration administrative law since the founding of our nation. It is the “Loan Law” during the period of economic transition or the future. . Not only is it a general rule that commercial banks and financial institutions must issue loans, but it is essentially a legal code that various economic departments conduct various lending activities and handle loan relationships that must be strictly followed and conscientiously implemented. It also includes provisions that limit which departments can not issue loans and handle loans or disguised loans without authorization.