Chengde Branch of Postal Savings Bank was fined for many reasons, mainly for three reasons. First, there is no real trade background for banks to issue working capital loans, that is, some enterprises have not applied for loans for investment. Second, the bank did not conduct an in-depth investigation of the enterprise before issuing the loan, and found no problems involving the borrowing enterprise and major shareholders. This shows that these enterprises may have some hidden problems, which will be known after investigation, but the banks have not found out, indicating that there are some problems in supervision. Third, the inspection after the loan was issued was not thorough, and it was not found in time that the loan was not used according to the prescribed purposes. For example, the loan applied for is used to buy the materials produced by the enterprise, but in the end it becomes the money for the enterprise to repay the loan.

Generally speaking, the operation of big banks is relatively perfect, and there can be no serious problems. After all, there is a CBRC on it. Bank staff may take chicken feathers as a pledge, or issue loans on the orders of some people. In this way, the interest earned by banks may be relatively high, or on the surface, they may be criticized by the parents of the head office or not. This kind of behavior can be revealed without checking this survey, so that banks can hide nothing. It can only be said that the operation of banks must be standardized, and do not choose to drill loopholes.

Because of the above three reasons, I was fined 300 thousand in the branch. It seems a lot, but it is not very high for banks. I may just think of the role of setting an example to make banks more standardized in the subsequent operations. I also hope that banks can be more careful when granting loans to enterprises, and they should carefully check before and after lending, so that every penny can be implemented.

Many enterprises always apply for loans and don't take out their own money when operating, because the bank's money is not returned, and enterprises can go through bankruptcy liquidation without damaging the rights and interests of major shareholders. This refers to banks with limited liability system.