金融监管总局、央行，重要发布！今年8月起，新增个人贷款将明示综合融资成本

Core Viewpoint - The article discusses the new regulations issued by the Financial Regulatory Bureau and the People's Bank of China regarding the disclosure of comprehensive financing costs for personal loans, aiming to enhance transparency and protect consumer rights in the rapidly growing personal loan market [1][2]. Summary by Sections Overview of the Regulations - The regulations define personal loans as loans issued to eligible individuals for personal consumption or business purposes, in both domestic and foreign currencies [2]. - The regulations emphasize four key principles: full coverage of interest and fee items, inclusion of all lending institutions, a single display format for cost disclosure, and pre-contractual disclosure and confirmation by borrowers [2][3]. Detailed Requirements - The comprehensive financing cost must include all relevant fees such as loan interest, installment fees, credit enhancement service fees, overdue penalties, and misuse penalties [2]. - All types of financial institutions, including banks, consumer finance companies, auto finance companies, trust companies, and small loan companies, are required to comply with these regulations [2]. - A comprehensive financing cost disclosure table must be provided, detailing the principal amount, itemized fees, collection methods, and standards, along with potential costs in case of default [2]. Implementation Timeline - The regulations will take effect on August 1, 2026, allowing a preparation period of approximately five months for lenders and their partners to adjust their processes and systems [4]. - Financial regulatory authorities will provide standardized templates for the disclosure of comprehensive financing costs and guide industry associations in refining execution rules [4]. Addressing Internet Lending Issues - The Financial Regulatory Bureau has recently engaged with five platform operators to ensure that marketing practices are compliant and that loan product fee information is clearly disclosed [5]. - The regulations also mandate that lenders clarify responsibilities regarding the implementation of comprehensive financing cost disclosures in their agreements with partner institutions [5].