2. Small and micro enterprise loan funds are diverted to the real estate sector;
3. Loan funds are diverted to the securities market; Bank of China Guiyang Ruijin North Road Sub-branch was fined 250,000 yuan for inadequate loan management, and the responsible person was warned. For some banks with more wealth management, the probability of this violation is very large, because these banks with more wealth management mainly develop wealth management products, and some time deposits are less developed and have less income. In order to obtain customer assets more efficiently, banks will seriously violate the rules and falsely publicize the yield of these wealth management products, especially some customers don't know much about wealth management products. Under the leadership of the staff, they bought those high-risk wealth management products. Although some people will have some gains after buying it, some people will lose money after buying it.