Shenzhen Banking Insurance Regulatory Bureau issued a fine of 18 to punish many banks for "operating consumer loans".

On May 2 1 day, Shenzhen Banking Insurance Regulatory Bureau issued a fine of 18, and confiscated relevant institutions and individuals totaling about12.24 million yuan.

Viewpoint real estate new media learned that many state-owned banks and joint-stock banks Shenzhen branch were fined for personal business loans, personal consumption loans and misappropriation of funds.

Among them, China Bank Shenzhen Branch was fined the most, and the credit funds of the branch were misappropriated because the personal business loan was not found in place; The loan investigation of small and micro enterprises is not in place, and credit funds are misappropriated; The use of mortgage loans for operating properties is unreasonable, and the funds are misappropriated to pay the land price; The operating property mortgage loan failed to effectively verify the authenticity of the loan purpose, and the funds were misappropriated for real estate development; Five violations of laws and regulations, such as inadequate management of gold leasing business, were fined 26.5438+10,000 yuan.

In addition, ICBC Shenzhen Branch was fined RMB 6,543,800+0.8 million for "inadequate pre-loan investigation and down payment fund supervision". However, Shenzhen Branch of China Construction Bank did not perform its duties due to "three investigations on personal consumption loans"; Small and micro enterprises were fined 1.3 million yuan for failing to perform their duties and misappropriating credit funds during the three loan inspections.

In addition to big banks, some small and medium-sized banks and foreign banks are also "recruited". Huaxia Bank Shenzhen Branch turned into a real estate development enterprise after issuing working capital loans; Personal business loans are not entrusted to pay according to regulations; A total fine of 6,543,800 yuan was imposed for the three illegal acts of issuing loans, promising overdue loans and delaying risk exposure. Chiyu banking corporation limited Shenzhen Branch was fined 2 million yuan for "the third loan was not properly audited and the loan funds were misappropriated".

Previously, Shenzhen Banking Insurance Regulatory Bureau and Shenzhen Central Sub-branch of the People's Bank of China jointly issued the Circular on Issues Related to Banks' Operating Loans, which notified three typical cases and exposed the routine of illegal operating loan funds flowing into the real estate market, among which Ping An Bank Shenzhen Branch and Shenzhen Rural Commercial Bank Guangming Sub-branch were named.

According to previous media reports, on March 26th, the China Banking Regulatory Commission, the Ministry of Housing and Urban-Rural Development and the People's Bank of China jointly issued the Notice on Preventing Operating Loans from Illegal Flowing into the Real Estate Sector, requiring banks to strengthen the verification of borrowers' qualifications, strengthen the review of credit demand, strengthen the management of loan term and strictly manage after lending. For individuals and enterprises that misappropriate business loans in violation of regulations, relevant administrative punishment information will be included in the credit information system in a timely manner.

In addition, the three departments also indicated that they would jointly carry out a special investigation on the illegal inflow of operating loans into real estate, and complete the investigation before May 3 1 and May 202 1 to strengthen the supervision, rectification and punishment of violations.