新闻报报看 | 截至今年6月，我国家庭总债务已经突破了1.5兆令吉，占国内生产总值83.8%，债务水平已成了威胁国家经济的定时炸弹。为了解决高企的家庭债务及应对国人破产问题，国家银行行计划禁止金融机构提供以固定利率及“78法则”计算利息的个人融资产品。“78法则”是根据本金来计算整个贷款周期的利息，这意味即使借款人提前偿还贷款，也无法节省利息，被认为对借款人不公平。（主播：蔡心慧、林晓倩）
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00:30The National Bank of China has taken action to address the problem of national bankruptcy.
00:34According to public opinion, the Bank of China has drafted a series of new proposals for personal financing products.
00:42Let's take a look at the cover of Xinzhou.
00:44The Bank of China plans to abolish the fixed interest rate for personal loans.
00:48The fixed interest rate is calculated according to the 78 rules in the financial world.
00:53Banks and financial institutions usually use this method
00:56to calculate the interest and capital interest that the borrower needs to repay monthly.
01:01In this calculation method, if the borrower has paid off the loan within the loan period,
01:07you will not save money on interest.
01:10The biggest problem with the 78 rules is that it is based on capital to calculate the interest of the entire loan cycle.
01:17For example, if your loan is to be paid back in 10 years,
01:21but you pay it back in 7 years,
01:23the interest for the next 3 years is also included.
01:26Even if the borrower pays back the loan in advance,
01:29there is no way to save interest.
01:31It is considered unfair to the borrower.
01:33In order to change this situation,
01:35the National Bank of China plans to ban financial service providers
01:38from continuing to provide fixed interest rate personal loan products
01:42that use the 78 rules to calculate interest.
01:44However, financial service providers can choose to provide
01:47fixed or floating interest rate personal loan products
01:50or calculate interest based on the remaining capital.
01:53At the same time, the National Bank of China also requires financial service providers
01:57to tell consumers the effective interest rate applicable to personal loan products.
02:01At the same time, it also needs to explain the calculation method of interest.
02:05The National Bank of China revealed that the amendment to the 78 rules
02:08is expected to be proposed in Congress in the first half of next year.
02:11In addition to abolishing the 78 rules,
02:14the National Bank of China also proposes to propose a plan
02:16to classify some personal or family-oriented housing loan products
02:21as personal financing.
02:23This includes additional financing that exceeds the current loan amount
02:26when the mortgage is re-funded,
02:29additional financing that is applied after repaying the original mortgage,
02:33and financing that is guaranteed by the mortgage-free industry.
02:36In addition, in order to encourage responsible lending,
02:39the National Bank of China plans to limit the term of the loan to as long as 10 years.
02:43In addition, the National Bank of China also intends to follow the footsteps of countries such as Australia and Singapore
02:48to shorten the longest financing period for personal loan products to 7 years.
02:53At present, the National Bank of China has limited the longest financing period for personal loan products
02:57to no more than 10 years.
02:59The National Bank of China data shows that until the end of last year,
03:02personal loans accounted for 46% of bankruptcy cases in 2023.
03:06This data shows that due to excessive personal loans,
03:09it has become one of the main reasons why bankruptcy cases are increasing day by day.
03:14One of the reasons why personal debts have accumulated most easily in recent years
03:18is the first-buy-later-pay model that is popular among businessmen.
03:23Therefore, the National Bank of China requires financial service providers
03:26to strictly evaluate the consumer's ability to repay money,
03:29including at least reviewing the customer's current loan repayment record
03:33and his loan repayment record,
03:35including some utility bills or phone bills.
03:38At the same time, it should not provide first-buy-later-pay service
03:42to consumers who have been declared bankrupt.
03:44The National Bank of China hopes to strengthen the supervision of loans
03:47to reduce the risk of family debt and alleviate the problem of personal bankruptcy.