According to the incomplete statistics of china securities journal reporter, in June 5438+ 10, Xiamen Bank, ICBC Quzhou Branch, Jiangxi Dexing Rural Commercial Bank, Zhangjiagang Bank and many other banks have received tickets (subject to the time published on the website of the CBRC). At the same time, the bank's credit card transactions involving real estate developers have tightened again.
The industry believes that at present, the regulatory authorities have a firm attitude towards prohibiting the illegal inflow of funds into real estate, and with the release of new regulations on real estate credit, the phenomenon of illegal inflow of funds into real estate in the future is expected to be significantly reduced.
Recently, the regulatory authorities have intensified their efforts to investigate and deal with the illegal inflow of funds from the financial system into real estate. June 65438+1October 65438+September, Xiamen Bank was fined 200,000 yuan by Xiamen Banking Insurance Regulatory Bureau for misappropriating personal business loan funds to the real estate sector. On the same day, the Quzhou Branch of ICBC was fined 950,000 yuan by the Quzhou Supervision Branch of the China Banking Regulatory Commission for the illegal inflow of credit funds into the housing market and the stock market.
According to the incomplete statistics of china securities journal reporter, since the beginning of this year, there have been many tickets related to the illegal inflow of funds into the property market on the website of China Banking Regulatory Commission, including branches of state-owned banks, city commercial banks and rural commercial banks.
Specifically, in June 5438+1October 65438+March, Jiangxi Dexing Rural Commercial Bank was fined 7 1 10,000 yuan by the end of the month for using personal consumption loans to buy houses, granting loans to borrowers who were not qualified as borrowers, and transferring loans. 65438 10/7, Jiangsu zhangjiagang rural commercial bank was fined 900,000 yuan for personal consumption loans flowing into the real estate sector, loan funds being transferred to bank deposits, and interbank business seriously violating prudent commercial rules.
The illegal inflow of funds into the housing market has always been the focus of supervision. In April last year, Shenzhen and other places urgently rotated to offset the illegal inflow of operating loan funds into the real estate market. On April 23 last year, the Shanghai headquarters of the central bank held a symposium on real estate credit in Shanghai, demanding that the orientation of "housing and not speculating" be adhered to. It is strictly forbidden to use real estate as risk collateral, and to break through the credit policy requirements in disguise through personal consumption loans and operating loans, and illegally provide funds to buyers, which will affect the stable and healthy development of the real estate market.
In June 2020, the China Banking Regulatory Commission issued the Notice on Carrying out the Rectification of Market Chaos in Banking and Insurance Industry, and the Key Points of Remediation of Market Chaos in Banking Financial Institutions in 2020. In terms of the policy of "housing and not speculating", the misappropriation of funds such as personal comprehensive consumer loans, commercial loans and credit card overdrafts has become one of the important issues of concern to the regulatory authorities.
Banks strictly control credit cards.
Under strict supervision, banks have also begun to increase control.
A few days ago, Agricultural Bank of China announced that according to relevant regulatory requirements, foreign currency transactions of some merchants' credit cards will be controlled from 202 1 1. The single amount and daily cumulative amount of foreign currency transactions of the Bank's credit cards in real estate merchants shall not exceed US$ 2,300, and the monthly cumulative amount, quarterly cumulative amount, semi-annual cumulative amount and annual cumulative amount shall not exceed US$ 7,700. At the same time, the bank's credit cards are not allowed to conduct foreign currency transactions in real estate merchants.
China securities journal reporter noted that, previously, the Agricultural Bank of China issued a notice on matters related to the use of credit card funds, clearly stipulating that credit card overdraft funds can only be used in daily consumption areas, and shall not be used in non-consumption areas such as house purchase, investment, production and operation.
In recent months, many banks, including state-owned banks and joint-stock banks, have issued documents reaffirming the use of credit card funds. At the same time, banks have said that the cardholder's credit card transaction is prohibited by supervision or the risk characteristic transaction identified by the bank may lead to the transaction failure, and the bank has the right to take risk management measures such as adjusting the credit line and locking the account.
The insiders believe that banks will strictly control the types of credit card transactions, tighten the credit cards of real estate developers and prevent credit card funds from flowing into the property market, which will further stabilize the real estate market. Zhou, an analyst in the financial market department of China Everbright Bank, said that at present, the supervision has a firm attitude towards prohibiting the illegal inflow of funds into real estate, and has taken a number of measures at both ends of supply and demand, such as strengthening supervision, compacting the main responsibility, preventing repeated investigations, keeping a close eye on the frequent occurrence of institutions, increasing the punishment for illegal credit behavior, and recently frequently introducing new regulations on real estate credit of commercial banks. "Although it is difficult to completely stop the illegal inflow of funds into real estate in the short term, this phenomenon will be significantly reduced."