Zhong Guo Jing Ying Bao·2026-01-31 04:00Core Viewpoint - The China Banking Association (CBA) has officially released the "Guidelines for the Collection of Personal Consumer Loans by Financial Institutions (Trial)" to standardize credit card and personal consumer loan collection practices, protect the legal rights of debtors, and promote healthy industry development [1]. Summary by Sections Section 1: Definition of Collection Behavior - The guidelines provide clear definitions for various collection behaviors within the industry [1]. Section 2: Establishment of Collection Behavior Norms - The guidelines comprehensively address key issues such as collection timing, frequency, and the acquisition of contact information, emphasizing clarity and enforceability while setting prohibitive red lines [1]. Section 3: Strengthening External Agency Governance - The guidelines specify requirements for member units regarding the management of external collection agencies, establishing a constraint mechanism [1]. Section 4: Enhancing Internal Control Management - Financial institutions are required to improve their internal management capabilities to achieve a combination of governance and management [1]. Section 5: Promoting Industry Self-Regulation - The CBA encourages self-collection, technological innovation, and the governance of black and gray market activities, while promoting the establishment of a shared information system for illegal activities by external collection agencies [1]. Next Steps - The CBA will enhance tracking and guidance to ensure the effective implementation of the guidelines, aiming for continuous progress in promoting high-quality industry development [1].