This behavior of the bank is illegal.

The General Office of the State Council issued a document stipulating that financial institutions should be urged to improve the service pricing management mechanism, and the charging behavior should be strictly regulated. It is not allowed to transfer loans, link deposits with loans, charge fees by loans, divide fees by floating profits, and tie in loans. However, the reporter's investigation in recent days found that there are still many forms of loan tying.

an insider of a bank said that in fact, in the case of tight bank credit line, if you want to borrow 1 million yuan from the bank, you must deposit 1 million yuan first. After the enterprise meets the relevant requirements of the bank, the bank also requires the enterprise to deposit money in the bank through relatives, friends or employees before agreeing to its loan application.

a person in charge of the related business of a joint-stock bank said that in fact, it is not uncommon for corporate loans to be approved and issued in full. Similar to the method of directly purchasing non-performing loans, the possible bad debts are digested by the lending enterprises, that is, if the enterprises want to lend, they must bear (eliminate) part of the non-performing loans for those enterprises that are overdue.

Extended information:

A salesman of a joint-stock bank said that although he is actually engaged in corporate business, the bank's assessment of him will also bring in some personal businesses, such as the sales of wealth management products, the amount of third-party business, the sales of insurance funds, and the amount of account opening will be included in the monthly, quarterly and annual assessment indicators.

the root cause of this behavior is still related to the problem of financing difficulties for enterprises and the dominant position of banks in bargaining space. At present, due to the pressure, the head offices of various banks have successively issued larger stress assessment task indicators to their subordinate branches.

phoenix. com-bank loan tying is still popular. If you want to borrow money, save it first.