If it is not illegal but illegal, and the funds flow into the property market illegally, the bank has the right to ask the enterprise to pay off the loan in advance. During this period, many big cities reported the news of credit crunch. Staff of several branches in Shanghai said that there have been more and more reviews on illegal funds flowing into the property market recently. The superiors made it clear that once the credit funds were found to be illegally misappropriated, the banks could directly ask them to refund the loans. In addition, there is also a notice letter of loan withdrawal circulating on the Internet. It is reported that a bank in Shanghai found that enterprises used funds illegally and immediately asked them to return loans and interest in a short time. Although the letter of notification has not been proved to be true or false, the credit contraction of the banking industry in big cities is already obvious.

In fact, since last year, China Banking Regulatory Commission (CBRC) began to strictly manage the mortgage, among which the centralized mortgage management system in the banking industry is the most obvious policy adjustment. China Banking and Insurance Regulatory Commission has set mortgage loan ratio limits for different banks, which will be reduced in the next few years. This is why before the Spring Festival, some banks suspended mortgage loans, because the quota was not enough and it would take some time.

In fact, in addition to housing enterprises, personal mortgages are also under control. Banks in Shenzhen have asked customers who apply for mortgages not to apply for loans from other enterprises in the short term, which is also to prevent funds from illegally flowing into the property market.

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The lender of a large state-owned bank said that in recent years, the approval of commercial loans and consumer loans has been tightened. Banks will punish offenders lightly and dismiss them, and employees will not operate illegally for a little profit. However, in the surveys in 20 19 and 2020, the reporter still found that consumer loans and business loans were misappropriated.

Supervision and strict investigation, but why is it difficult to stop violations? The hidden operating space of funds is one of the reasons. A bank lender once told reporters that if Company A, the applicant for the loan, buys 100 computers from Company B and mortgages the house in the bank loan, the bank loan of 100 million yuan will directly hit Company B, but will it happen again between the two companies? Handstand hand? It's harder to check. In addition, speculation pushes up housing prices, which makes users of improved housing illegally misappropriate funds to fill the gap, forming a vicious circle.