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.
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