Bank Y's loan to Company A violates the provisions of Articles 36, 40 and 46 of the Commercial Banking Law ... Attached:
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 40 Commercial banks shall not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers.
The related parties mentioned in the preceding paragraph refer to:
(1) Directors, supervisors, managers, credit business personnel and their near relatives of commercial banks;
(2) Companies, enterprises and other economic organizations in which the personnel listed in the preceding paragraph invest or hold senior management positions.
Article 46 Inter-bank lending shall comply with the provisions of the People's Bank of China. It is forbidden to use borrowed funds to issue fixed assets loans or make investments.
Borrowing funds are limited to paying the deposit reserve, keeping the reserve fund and returning the idle funds after the loan of the People's Bank of China expires. Borrowed funds are used to make up for the shortage of bill settlement and inter-bank foreign exchange positions, and to meet the needs of temporary liquidity.
Two, Inner Mongolia regulations on bank staff illegal loans.
Bank Y's loan to Company A violates the provisions of Articles 36, 40 and 46 of the Commercial Bank Law ... Attachment: Article 36 The borrower shall provide guarantee for the loan of the commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided. Article 40 Commercial banks shall not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers. The related parties mentioned in the preceding paragraph refer to: (1) directors, supervisors, managers, credit business personnel and their close relatives of commercial banks; (2) Companies, enterprises and other economic organizations in which the personnel listed in the preceding paragraph invest or hold senior management positions. Article 46 Inter-bank lending shall comply with the provisions of the People's Bank of China. It is forbidden to use borrowed funds to issue fixed assets loans or make investments. Borrowing funds are limited to paying the deposit reserve, keeping the reserve fund and returning the idle funds after the loan of the People's Bank of China expires. Borrowed funds are used to make up for the shortage of bill settlement and inter-bank foreign exchange positions, and to meet the needs of temporary liquidity.