Specifically, CCB * * * received eight tickets involving its eight branches, including Shanghai Jiading Sub-branch, Shanghai No.4 Sub-branch, Shanghai Hongkou Sub-branch, Shanghai Huangpu Sub-branch, Shanghai No.1 Sub-branch, Shanghai Minhang Sub-branch, Shanghai Songjiang Sub-branch and Shanghai Pudong Sub-branch.
The illegal fact of branches of China Construction Bank is that personal consumption loans are illegally used to buy houses or flow into the property market. In addition, there are unqualified real estate M&A loans, loans not issued according to the actual progress and capital demand of real estate projects, illegal financing of real estate projects with insufficient capital, and illegal issuance of land reserve loans.
The time of violation of laws and regulations is almost concentrated in 20 19 and 20 17, which can be traced back to 20 13 at the earliest.
In addition to CCB, Bank of China Shanghai Pudong Development Zone Sub-branch, Industrial and Commercial Bank Shanghai Free Trade Zone Sub-branch, Agricultural Bank Shanghai Free Trade Zone Sub-branch, Shanghai Rural Commercial Bank Pudong Sub-branch and Bank of Communications Shanghai Free Trade Zone Sub-branch were also fined 500,000 yuan, 6,543.8+0.5 million yuan, 6,543.8+0.5 million yuan, 500,000 yuan and 500,000 yuan respectively, and the relevant responsible persons were also warned.
In addition, Shanghai Waigaoqiao Group Finance Co., Ltd. was "double fined" on June 20 19 because some working capital loans illegally flowed into the real estate market, and the institution was fined 500,000 yuan, and the main responsible person was warned.
According to the reporter of Cailian, prior to this, the Shanghai Banking Insurance Regulatory Bureau issued document No.202 147, requiring all banking institutions to conduct self-inspection on operating loans that illegally flowed into the real estate sector, and submit the results of self-inspection to the Banking Insurance Regulatory Bureau in early May.
A related person from a rural commercial bank told the Cailian reporter that the mortgage-related business banks have been conducting self-examination and checking very closely. Regulators often come to banks for on-the-spot inspections, which usually focus on the business structure and scale of banks.
The strict management of the regulatory authorities has also prompted banks to be more cautious in business risk management and control. For example, they cannot "jump the queue" to apply for mortgages, and the loan qualification review of the first suite has become more stringent.
The reporter noticed that many problems that were punished this time occurred many years ago, and even violations occurred eight years ago. A person from the credit department of a big bank explained that both the credit completed projects and the credit balance projects are within the scope of spot checks by the regulatory authorities.
In addition, internal institutions of banks often conduct retrospective self-inspection on previous loans, and their banks have recently inspected all loan flows since 20 16. And this helps to prevent the existence of luck when doing business.