Loans exceeding 300,000 will monitor the flow of loan funds. Bank loans have capital supervision requirements. According to the requirements of the Banking Regulatory Bureau, it is necessary to monitor the flow of funds when the loan exceeds 300,000, so it is necessary to monitor the flow of loan funds when the loan exceeds 300,000. Investment is risky, please make a careful decision.
Second, how can banks supervise the use of loans?
Banks can supervise the use of loans in the following ways:
1. proxy report
At present, many loans are specially used for buying houses, cars and renovations. Money flows directly to these institutions at no cost. However, these cooperative institutions have details such as meeting and sales. The deposit settlement business is concentrated in banks, and banks can understand the use of funds.
2. Special account
When a unit opens a special account in a bank, it shall deposit all the pre-sale funds and project funds of real estate development projects into a deposit account to ensure that all the pre-sale funds and project funds are accounted for. After the supervision period, the bank will refund the deposit, and the bank will confiscate it if it violates the regulations.
Collect accounts
Personal, investment and other purposes, and sometimes used for other financial purposes. Banks can settle their debts in advance by debit cards.
4. Proof of use
Before the loan, some banks clearly stipulate that after the loan is successful, the certificate of use must be uploaded within the specified time and settled in advance, which will also affect the credibility and it will be difficult to borrow it next time.
5. The borrower signs a letter of commitment for the use of the loan.
The bank will require the borrower to sign a statement to guarantee that the loan funds will not be used for other purposes than the agreed purposes.
6. The loan funds are not paid directly to the borrower's account.
Part of the loan is used for house decoration. Banks usually require that loan funds can be paid directly to housing mortgage loans. The bank will not pay the loan cash to the buyer's account, but directly to the developer's account to determine the distribution. Consumer loans generally require proof of consumption and use to close the contract. For loans that can provide proof of the purpose of the loan and the payee's account, banks will generally issue the loan to the borrower's account.
7. Post-loan management
Bank loans generally have several links: pre-loan review, in-loan review, and post-loan enterprise loans. After the loan is issued, the bank will not only investigate the operation of the enterprise at any time, but also know it in time after the loan is issued.
3. How much is the bank card capital inflow monitored?
How much money the bank card earns every day will be monitored by the bank.
When the bank's single or accumulated transaction amount exceeds RMB 50,000 (including RMB 50,000) and the equivalent value exceeds USD 654.38+RMB 0,000, it will be monitored by the bank. If users need to query the amount of bank income, they can do so according to the following methods:
You can log in to the issuing bank's online banking, log in to the personal online banking with your bank card and password, and you can see the income list of your personal account;
Four. How much capital flow will be noticed by the CBRC.
The year-on-year growth rate of loans exceeded 40%.