Beishangguangshen and Shenzhen strictly investigate illegal credit.
Purchase real estate in one lump sum, set up an enterprise the next day, holding 65,438+000% of the shares, and applied for a mortgage loan from Shenzhen Branch of Ping An Bank just after holding the real estate for 6 months, with a loan amount of 2.26 million yuan; The funds were entrusted to Zhang's personal account in the Agricultural Bank, and Zhang paid Liu and others 17 people a total of 2170,000 yuan, of which178,700 yuan was paid to Liu as the final payment for buying a residential building on behalf of Zhong.
Behind the case investigated by Shenzhen Banking Insurance Regulatory Bureau, Shenzhen Z Real Estate Agency Co., Ltd. provided "one-stop" service for Zhong's house purchase, business establishment and loan consultation. However, the main lender, Ping An Bank Shenzhen Branch, did not strictly review the qualifications of operating loan borrowers and did not conduct a penetrating inspection of the flow of loan funds.
In this round of strict investigation, Guangdong (excluding Shenzhen) banking financial institutions found that the amount of problem loans suspected of illegally flowing into the real estate market was 277 million yuan; The self-examination of banks in Beijing found that the amount of personal business loans suspected of illegally flowing into the Beijing real estate market was about 340 million yuan; Shenzhen recovered 2 1 pen and 5 1.8 million yuan of suspected illegal loans in advance, and punished 4 illegal institutions and 14 people responsible for violations, with a total penalty of 5.75 million yuan; Shanghai has discovered that 123 commercial loans and 339 million yuan consumer loans are suspected of being misappropriated in the real estate market.
Shanghai Banking Insurance Regulatory Bureau found six typical cases of violation through audit investigation, including illegal issuance of personal business loans to pay the down payment for house purchase; Enterprise operating loans are used to pay for goods in violation of regulations; Consumer loans are used for down payment of bank housing loans in violation of regulations; Some shell companies are concentrated as entrusted payment counterparties, receiving many personal business loans, and some loan funds are suspected of being returned to borrowers and used for buying houses; Real estate enterprises illegally provide down payment funds to buyers; Loans from microfinance companies are used for house purchase approval.
Financial intermediaries are still committing crimes against the wind.
Although banks strictly investigate the inflow of commercial loans and consumer loans into the property market, semi-monthly reporters have recently received calls from many financial intermediaries asking whether they need commercial loans and consumer loans.
According to a survey conducted by reporters in the past half month, there is an obvious spread between the operating loan interest rate and the mortgage interest rate. In 2020, the operating loan interest rate will be as low as 3.80%, but the housing mortgage interest rate will be around 5%, and the second suite will rise by 60 basis points. Moreover, personal business loans can be applied for 20 years, and repayment methods such as matching principal and interest, paying interest first and then repaying principal can be operated.
The intermediary told the reporter that due to the strict investigation by the CBRC, the interest rate of operating loans has risen from 3.80% to 3.95% years ago to 4. 15% to 4.35% now. There are also requirements for the time limit for operating enterprises, and the practice of buying "shell companies" in the past is easy to be found.
When the reporter asked how to get the money through the bank for half a month, the intermediary said that more than 3 million loans were put into third-party corporate accounts, and loans below 3 million could be put into third-party personal accounts other than themselves and their immediate family members. "You can provide a bank account number. We don't change hands, but we need to withdraw cash to avoid supervision."
Intermediaries often grasp the mentality that buyers want to get low interest rates and large amounts of money, and instigate customers to escape the scrutiny of the regulatory authorities.
-Encourage customers to package enterprises and prepare contracts. "We will provide templates to teach you how to operate. Consumer loans provide renovation contract and luxury goods purchase contracts, and commercial loans provide computer consumables and other contracts. If it is a spot check, we will cooperate with customers to provide corresponding materials. "
-Two people apply for mortgage and commercial loan respectively. "For example, there was a new record of buying a house last year, and a commercial loan was just made. Such people will be spot-checked. Generally, state-owned banks are strict, while small banks are lax. It is recommended that couples apply for mortgage loans and operating loans respectively. "
-raise a "shell company" in advance for later use. "Newly registered companies or newly transferred companies have to handle business loans, and there are such key spot checks. Customers in need can register with the company first, and can be used for commercial loans after 3 months. It should be noted that banks do not provide commercial loans for entertainment and beauty salons. We will match the corresponding bank according to the type of enterprise you registered. "
Supervision needs to be constantly rectified.
Experts believe that it is necessary to intensify the crackdown on illegal intermediaries. Banks should not only proceed from their own interests, but also strictly abide by the regulatory provisions; The regulatory authorities should also maintain a high-pressure state, otherwise they will only scratch the surface.
65438+ 10, the price increase in first, second and third tier cities has expanded. Photo by Zhang Nan
A survey conducted by reporters in the past two months found that many people were lucky about the propaganda of illegal intermediaries about the risks related to fraud and illegal use of loans: "Banks only conduct spot checks, and even if there is an inquiry, they will not lend." "Even if you borrow money, if you really can't get it, you will receive a credit report at most."
"It is necessary to strengthen public education, raise risk awareness, make the public understand that fraudulent loans are illegal, and increase the illegal cost of borrowers misappropriating funds." A local supervisor said.
For banks, the competition in credit supply is fierce now, and it is not easy to find a safe and reliable target. Even if there is real estate mortgage, it is also a quality customer. As long as the loan process meets the requirements, it will not go to great lengths to check the flow of funds, and usually turn a blind eye. Banks should change their thinking of attaching importance to business development and neglecting post-lending management, strengthen their awareness of compliance management and improve their post-lending management capabilities.
Financial supervision should also be sustained and normalized. Li, chief researcher of Guangdong Housing Policy Research Center, said that in April 2020 and March 20021,Shenzhen carried out special inspections on operating loans twice, but the amount of operating loans that illegally flowed into the property market was very small. It is unclear whether it is difficult to supervise or relax supervision.
"With such a data, there are 40,000 to 60,000 active real estate agents in Shenzhen, but how many financial intermediaries are there? More than 80 thousand Real estate agents and financial agents are eating the bowl of real estate. It can be said that they have played an important role in this round of Shenzhen property market price increase. In fact, banks can greatly reduce these arbitrage behaviors as long as they pay attention to the post-loan inspection of operating mortgages. " Li said to him.