Of course, it is not excluded that the loan funds are frozen because the lending institutions do not have enough loan funds.
China Banking Regulatory Commission is a ministerial-level institution directly under the State Council, People's Republic of China (PRC), which is authorized to supervise and manage banking financial institutions in a unified way and safeguard the legal and steady operation of the banking industry.
Banking supervision is an important part of financial supervision. Its structural arrangement should not only adapt to the overall development and supervision of the financial industry, but also coordinate with market constraints and internal management of banks. In fact, it is the result of weighing the cost and benefit of supervision. The establishment of the China Banking Regulatory Commission shows the government's reform intention to improve the development level of the industry by strengthening supervision and construction.
At the beginning of its establishment, China Banking Regulatory Commission was mainly responsible for:
1. Formulate rules, regulations and measures for the supervision of banking financial institutions; Draft relevant laws and administrative regulations, and put forward suggestions for formulation and revision.
2. To examine and approve the establishment, alteration, termination and business scope of banking financial institutions and their branches.
3. Conduct on-site and off-site supervision of banking financial institutions, and investigate and deal with illegal acts according to law.
4. Review the qualifications of senior managers of banking financial institutions.
5. Be responsible for compiling the data and statements of banking financial institutions nationwide, sending them to the People's Bank of China and publishing them in accordance with relevant state regulations.
6 in conjunction with the Ministry of Finance, the People's Bank of China and other departments to put forward opinions and suggestions on the sudden risk disposal of deposit-taking financial institutions.
7 responsible for the daily management of the board of supervisors of state-owned key banking financial institutions.
8. To undertake other tasks assigned by the State Council.
By the end of 20 16, CBRC had 22 departments: General Office, Policy Research Bureau, Prudential Supervision Bureau, On-site Inspection Bureau, Regulation Department, inclusive finance Department, Credit Department, Innovation Department, Consumer Protection Bureau, Policy Banking Department, Big Banking Department, Joint-stock Banking Department, City Banking Department, Rural Finance Department, Foreign Banking Department, Trust Department, Non-banking Department and Non-banking Department. There are more than 570 staff members.