国家金融监督管理总局和中央银行联合发布《个人贷款业务明示综合融资成本规定》，要求银行、互联网平台等金融机构在个人贷款业务中强制推送《个人贷款综合融资成本明示表》，明确展示利息和非利息成本[1]。该规定自2026年8月1日起施行[1]。工商银行等多家银行已在贷款环节嵌入明示表选项，并设置强制读秒要求，支付宝、抖音、京东、美团、滴滴等第三方平台也已展示相关明示表[1]。
各金融机构公布的融资成本上限存在差异[1]。工、农、中、建四大行的个人消费贷款年化利率上限为6%，交通银行、邮储银行的上限为12%，而招商银行、中信银行等合作类互联网贷款年化利率上限达到24%[1]。此外，恒丰银行、厦门银行、廊坊银行等部分银行统一设定24%的年化融资成本上限，吉林银行设定为18%，晋商银行则以一年期LPR的4倍作为上限，当前约为12%[1]。业内人士表示，新规重点应是互联网贷款的非利息成本控制，包括担保费、会员费等隐性费用的管理[1]。
The National Financial Regulatory Administration and the People's Bank of China have jointly issued new regulations requiring banks and internet financial platforms to forcibly present borrowers with a Personal Loan Comprehensive Financing Cost Disclosure Form during personal lending transactions [1]. The form explicitly displays both interest and non-interest costs to provide borrowers with transparent cost information [1].
The regulation, formally titled the Personal Loan Business Comprehensive Financing Cost Disclosure Regulation, will take effect on August 1, 2026 [1]. Multiple banks and third-party platforms have already launched the disclosure form ahead of the deadline [1]. Major institutions including Industrial and Commercial Bank of China have integrated the disclosure form into their loan application processes with mandatory viewing requirements [1]. Third-party platforms such as Alipay, Douyin, JD.com, Meituan, and Didi have also begun displaying the form [1].
Financial institutions have set varying annual financing cost caps. The four largest state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank—have established a 6% cap for personal consumer loans [1]. Bank of Communications and Postal Savings Bank of China cap personal consumer loan rates at 12% [1]. China Merchants Bank and CITIC Bank, along with other banks engaged in internet lending cooperations, have set a 24% ceiling [1]. Some smaller banks including Hengfeng Bank, Xiamen Bank, and Langfang Bank have adopted a unified 24% annual financing cost cap [1]. Jilin Bank has set an 18% limit [1], while Shanxi Merchants Bank has tied its cap to four times the one-year Loan Prime Rate, currently around 12% [1].
Industry observers have noted that particular attention should be paid to non-interest costs associated with internet lending, including fees for guarantees, memberships, and other ancillary charges [1].