China Industrial and Commercial Bank Beijing Shunyi Sub-branch was fined 500,000 yuan. What is the reason?

Banks operate under the control of the state, and all business needs to be carried out according to law. Once the relevant regulations are violated, they need to be punished accordingly, including the person in charge of the bank. On May 9th, the CBRC exposed the news of an administrative penalty in official website. ICBC Beijing Shunyi Sub-branch was fined 500,000 yuan, and immediately rectified after receiving the warning, and the relevant responsible person also gave a warning and administrative punishment, because the bank had the behavior of collecting money by lending.

First, illegal charges.

The state controls the phenomenon of arbitrary charges very seriously. For example, Beijing Shunyi Sub-branch is a kind of illegal charging behavior that is explicitly prohibited. That is to say, in the name of providing loans and financial financing opportunities to customers, banks do not follow the requirements, but ask customers to accept some intermediate tasks or other services provided by banks and charge a certain fee, which is completely in violation of regulations. When handling this business, customers must understand the relevant systems to prevent this phenomenon. If you encounter it, you should take legal measures to protect yourself and report it in time.

Second, loan collection must be punished.

Many banks put forward some unreasonable behaviors just because customers need loans, while consumers follow the routine of banks because they are in urgent need of money or lack of legal knowledge. Although banks are managed by the state, there are still some fancy charges that have not been stopped. Relevant departments should also shoulder the responsibility to avoid this situation. Because banks have caused certain property losses to depositors or other customers, they must be punished and their illegal income needs to be confiscated. We must deal with it in accordance with relevant laws and regulations to avoid this bad phenomenon from happening again.

Other banks should also take this as a warning and not take advantage of the law. Although they understand that everyone is under great pressure, they should act in a submissive way. They can think of some other ways to tide over the difficulties instead of infringing on the rights and interests of customers. Consumers should also learn to take up legal weapons to protect their rights and interests, thus maintaining a good social atmosphere.