Regulation of the National Bank of Georgia will be in force from today.
According to the regulations, commercial banks are not permitted to issue loans without the client"s solvency, revenue and expenditure analysis.
Economy experts have negatively evaluated the initiative.
Analysts say that novelties will create problems for those citizens who have income but can not confirm officially confirm it.
"The restrictions imposed on the first stage will be problematic for both the banks and the population. It may be particularly difficult for those honest taxpayers who have difficulty in technical confirmation of incomes, which in reality they have, "Kote Chokoraia said.