The questioning voice of "the real non-performing rate of banks is higher than the book" has never stopped in recent years. Under the situation of stricter supervision, some huge cases first surfaced. Recently, Chengdu Branch of Shanghai Pudong Development Bank was severely punished by CBRC for "covering up non-performing loans" in the name of "granting credit to shell companies". Insiders pointed out that it is actually more common for the banking industry to pursue aggressive lending and spend money after bad debts. In the environment where the rectification of banking chaos continues to advance, bank credit will be more transparent and asset quality will be improved.

One of the prancing skills: "Time for space"

The bad way that Shanghai Pudong Development Bank Chengdu Branch was supervised this time can be regarded as "time for space". According to the announcement of the China Banking Regulatory Commission, Chengdu Branch of Shanghai Pudong Development Bank covered up non-performing loans, illegally handled credit granting and inter-bank business by fabricating false uses and splitting credit, and issued 77.5 billion yuan of credit to 1493 shell enterprises in exchange for the contribution of relevant enterprises to non-performing loans of Chengdu Branch of Shanghai Pudong Development Bank.

The second trick: "robbing Peter to pay Paul"

Some banks are bolder than "time for space". At the beginning of 20 17, on the eve of the listing of a rural commercial bank, a corporate customer of the bank told beijing business today Today that a branch of the rural commercial bank lent the money in the company account to an unknown company for compensatory loan or guarantee by "robbing Peter to pay Paul", but the other company failed to pay back the money later, and the rural commercial bank also overturned the previous agreement.