"Let the money go where it should go!" 189 The ticket was strictly investigated by the CBRC for illegal housing-related loans.

The phenomenon of illegal loans flowing into the property market has been repeatedly banned, and the supervision has been heavy.

On August 6th/KLOC-0, the Insurance Regulatory Commission of Bank of China (hereinafter referred to as "China Banking and Insurance Regulatory Commission") newly disclosed the 12 fine. According to the statistics of the reporters of International Finance News, since August, the CBRC has issued 189 "tickets", among which the number of tickets for illegally entering the market for housing loans should not be underestimated.

189 tickets

The reporter noted that among the 189 tickets issued by the CBRC in August, illegal lending and inadequate control of post-loan funds were the key points of supervision. Among them, the illegal entry of housing-related loans into the market is particularly eye-catching.

16 In August, Shanghai Banking Insurance Regulatory Bureau issued two fines, namely, Shanghai Banking Insurance Regulatory Punishment Decision [202 1]No.16, which exposed two operations of China Industrial and Commercial Bank Shanghai Songjiang Sub-branch: one was 65438+ in 2020. In this regard, the Shanghai Banking Insurance Regulatory Bureau ordered two cases to be corrected and fined 500,000 yuan and 300,000 yuan respectively.

Prior to this, on August 6, Ningbo Banking Insurance Regulatory Bureau issued 8 tickets in succession, 6 of which involved bank loans flowing into the housing market in violation of regulations, and banks and related responsible persons were punished, with a fine of one million yuan.

Specifically, Ningbo Yongcheng Rural Commercial Bank Co., Ltd. was fined 6,543,800 yuan for "careless credit management, illegal flow of loan funds into the housing market, and lax control over the actual use of loans", and ordered the bank to give disciplinary action to the relevant directly responsible persons; The other is Ningbo Bank Co., Ltd., which was fined 2.75 million yuan for misappropriating development loans to pay for land or land storage and payment, lax review of real estate loan lending and disbursement, illegal inflow of loan funds into the housing market, and illegal return of real estate loan funds to borrowers. ...

Like Bank of Ningbo, ABC was fined more than 2 million yuan. On August 2, Nanping Branch of Agricultural Bank of China was fined 2.5 million yuan by Nanping Supervision Branch of China Banking Regulatory Commission for five illegal facts, including "inadequate post-loan management, which led to personal credit funds flowing into the housing market".

"spend money where it should be spent"

Under the general tone of "staying and not speculating", the policy of "cooling down" in the property market has been frequent this year. According to the statistics of the Central Plains Real Estate Research Center, in the first seven months of this year, the number of real estate regulation and control in China reached 352 times, with an average of 50 times per month.

Among them, the supervision of financial funds related to housing has become increasingly strict.

In June, 5438+this year 10, the Notice on Establishing the Management System of Real Estate Loan Concentration of Banking Financial Institutions (hereinafter referred to as the Notice) was formally implemented. The central bank and the China Banking Regulatory Commission require the establishment of a centralized management system for real estate loans of banking financial institutions and the establishment of "two red lines" for credit.

The first red line is "the proportion of real estate loans", which stipulates that large banks should not exceed 40%, medium-sized banks should not exceed 27.5%, small banks should not exceed 22.5%, county-level rural cooperative institutions should not exceed 17.2%, and village banks should not exceed12.5%. The second red line aims at "the proportion of individual housing loans", which requires that the financial institutions of the above five grades should not exceed 32.5%, 20%, 17.5%, 12.5% and 7.5% respectively.

In addition, national key cities have repeatedly emphasized financial control in the "three stable" regulation policies. On August 16, Dalian issued the Notice on Further Strengthening the Regulation and Supervision of the Real Estate Market, clearly proposing to strengthen the supervision of the illegal inflow of operating loans into the real estate sector, and strictly prevent the illegal inflow of funds such as credit loans, consumer loans and operating loans into the real estate market. ...

"In addition to the two just-needed situations of buying a house and changing houses, all other personal loans that enter the property market for profit are illegal." Chen Bin, a senior economist in housing finance, told reporters that there are two main situations in which loans illegally flow into the property market. Individual United banks and other financial institutions illegally obtain housing loans, or use the obtained consumer loans, business loans and other loans for buying houses.

In the second case, Chen Bin said that although it is more personal responsibility, banks still have the supervisory responsibility for the use and flow of post-loan funds. If they find illegal use, they should take it back as soon as possible, otherwise they will face punishment. "If individuals transfer money many times through inter-bank transfer, it will be difficult for the original lending bank to track the use of funds, which is also the limitation of bank supervision."

Although the regulatory policies have been repeatedly overweight, illegal operations such as "issuing tickets" using the above policy loopholes still occur from time to time. In this regard, on July 27th this year, the CBRC held the 20021system-wide mid-year work forum, proposing to "strengthen supervision and punishment, and effectively solve the problem of low illegal cost in the financial sector".

Zhuge believes that strengthening the supervision of housing-related loans is not only to curb the excessive rise of housing prices, but also to promote the return of housing prices to rationality; It is also to effectively prevent real estate financial risks. "On the one hand, due to the high leverage and high debt of housing enterprises, the operational risks are relatively high; On the other hand, the debt ratio of residents is high and there is a certain savings risk. " Strengthening the mortgage audit is helpful to promote the smooth operation of the real estate industry and further standardize the order of the real estate market.

In Chen Bin's view, the real estate economy is unsustainable. The government is now reducing its dependence on real estate, gradually shifting its focus to the real economy and building a new pattern of "double cycle" development at home and abroad. "Strengthening the financial control of real estate is also the place where funds should flow."