Many banks were fined for violating regulations.
After the strict control of the property market in 20 17, at the beginning of 20 18, the regulatory authorities still made great efforts to check whether the sources of real estate funds were compliant. Recently, Liang, an employee of Haikou Rural Commercial Bank, issued working capital loans to real estate development enterprises in violation of regulations, and the illegal acts used for real estate development attracted regulatory attention. The local banking regulatory bureau imposed administrative penalties on the parties.
According to beijing business today reporter's incomplete statistics today, this year, the regulatory authorities have issued 10 tickets for illegal "housing-related loans". For example, on June 9, 65438, Xiamen Branch of CITIC Bank was fined 250,000 yuan for illegally misappropriating some personal loan funds into the real estate market; 65438+1October 1 1, Xiamen Branch of Ping An Bank was fined 250,000 yuan for the same reason; 65438+1October 19 Tianjin Binhai Jianghuai Rural Bank illegally issued personal consumption loans to purchase houses, and Tianjin Banking Regulatory Bureau fined 200,000 yuan. On the same day, Xiamen Banking Regulatory Bureau also imposed a fine of 350,000 yuan on Xiamen Branch of Agricultural Bank of China, on the grounds that personal consumption and business loan funds were diverted to purchase houses. 65438+1On October 23, Bank of Beijing Shanghai Branch was ordered to make corrections and fined 500,000 yuan because a peer investment fund invested in a real estate development project. On February 9, Zhongyuan Bank Zhengzhou Branch was misappropriated for the "down payment for house purchase" due to personal comprehensive consumer loans.
Of these 10 tickets, three were punished at the end of last year, involving Zheshang Bank Hangzhou Branch, Postal Savings Bank Xiamen Branch and China Merchants Bank Hangzhou Branch respectively.
Why is it repeatedly banned?
In fact, in order to prevent the real estate market from rising too fast and curb real estate speculation, from June 20 16, 10, the property market regulation policy gradually spread to all parts of the country. After 20 17 year's property market regulation, the irrational investment in the real estate market has been obviously suppressed, but the illegal housing-related loans have not disappeared.
Despite the increasing efforts to investigate and deal with it, the phenomenon of "blood transfusion" and black-box operation by banks in disguise to the property market is still repeated. In this regard, Yan Yuejin, dean of Shanghai Yiju Real Estate Research Institute, said that the loan policy of commercial banks is very subjective, and illegal loan funds often flow into high-return-on-investment industries such as real estate, which also means that commercial banks continue to be optimistic about the future return on investment in real estate. On the other hand, commercial banks lack discipline and professional risk control ability in the development process, so they need to strengthen their own control in the future.
"Bank funds flow into real estate in violation of regulations, and there are many penalties. First, the funds are used to pay the land purchase expenses of real estate enterprises; Second, personal consumption loans, personal business loans or credit card overdrafts are used to purchase houses. For banks, these two types of loans have higher interest rates and stronger bargaining power, so they are profitable for banks. At the same time, for housing enterprises that pay for land purchase, their sources of funds are relatively limited. After the channel business is blocked, the capital channels of housing enterprises are further limited, so the demand for funds is relatively large. For personal consumption loans flowing into the house, it is also related to the tight personal mortgage quota. Many people will buy houses through consumer loans, so it also reflects the large demand for housing and the tight housing funds. " Zhao Qing, a senior researcher at Suning Financial Research Institute, said frankly.
Property market regulation is not relaxed.
At the end of June 5438+ 10 this year, the CBRC's 20 18 National Banking Supervision and Management Conference made it clear that cracking down on misappropriation of consumer loans and illegal overdraft of credit cards and strictly controlling the illegal inflow of personal loans into the stock market and housing market are the key points of this year's work deployment. At the same time, we will continue to curb the real estate bubble, seriously investigate and deal with all kinds of real estate financing behaviors, and set the main tone for the regulation of the 20 18 property market. Subsequently, a number of local banking regulatory bureaus, including Beijing and Shanghai, have recently expressed their views and adhered to the 20 18 real estate regulation target to prevent all funds from entering the real estate market illegally.
With the tightening of credit policy, since the beginning of the year, many cities, including Guangzhou, Shenzhen and Nanjing, have reported that the mortgage has been tightened and the interest rate of the first home purchase loan has risen. According to the monitoring data of Rong 360, the average interest rate of the first home loan in June 20 18 was 5.43%, which was equivalent to the benchmark interest rate 1. 1 1 times, up 0.93% from the previous month. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.46%, up by 2 1.75%.
Zhao Qing believes that judging from the statements of CBRC and local banking regulatory bureaus, the 20 18 mortgage credit policy will be tightened, especially under the conditions of deleveraging and channel removal, the funds of non-standard assets entering the housing market will also be restricted, and the clearance of consumer credit funds entering the housing market will be strengthened.
Where there is demand, there is market.