Big ticket! China Merchants Bank was fined 65 million 700 thousand for violation of real estate loans.

category:Society
 Big ticket! China Merchants Bank was fined 65 million 700 thousand for violation of real estate loans.


In the evening of May 4th, the China Banking Regulatory Commission (China Banking Regulatory Commission) website disclosed 10 tickets issued by the Banking Regulatory Commission and the original Banking Regulatory Commission, mainly involving China Merchants Bank, Xingye Bank and Pufa Bank. Among them, China Merchants Bank (600036.SH) was punished by the CBRC for 65 million 700 thousand yuan due to the serious violation of the Prudential management rules, the third party financial institutions credit guarantee against the investment business of the same industry, and the 14 items of the real estate loan subject to the real estate development loan. The illegal income of 30 thousand and 240 yuan was confiscated and the total penalty was fined. 65 million 730 thousand and 240 yuan. In January this year, the CBRC issued the key points for the chaos of the banking market in 2018, covering unsound corporate governance, violation of macro-control policies, the risks of shadow banking and cross financial products, infringing on the rights and interests of financial consumers, transport of interests, illegal and irregularities, cases and operational risks, and the risk of integrity in the industry. In 8 areas, there are 22 main points of work. Judging from the case of China Merchants Banks violation, its violation involves at least 7 areas. Specifically, China Merchants Banks violation cases include the following 14 items: (1) internal control management seriously violates the prudent operating rules; (two) bulk transfer of non-performing loans with individual loans as the main body. (three) the third party financial institutions credit guarantee is irregularities in the same industry investment business. (four) break the promise to guarantee capital when selling non guaranteed financial products in the same industry; (five) the discounted bill is transferred directly to the drawers account; (six) to provide the credit guarantee for the third party financial institutions for the irregularities of the business investment; (seven) not to account for the real estate enterprise loans into the real estate development loan subjects; (eight) the senior executives perform their duties before obtaining the approval of the tenure; (nine) no strict trial. Check the authenticity of the trade background to deal with the bank acceptance business; (ten) not strictly examine the authenticity of the trade background to open a letter of credit; (eleven) violation of the contract to sign the contract sales of non - financial products; (twelve) non real transfer of credit assets; (thirteen) violation of the loan to the pawnbroker; (fourteen) violation to the customs A credit loan is issued by a person. The source of this article: surging news editor: Xun Jianguo _NN7379 (five) violation of the bill discounts directly to the drawers account; (six) providing third party financial institutions credit guarantee for violation of business investment; (seven) the loan of real estate enterprises is not included in the loan subject of real estate development. (eight) executives perform their duties before obtaining the qualification approval. (ten) open the letter of credit without strictly examining the authenticity of the trade background; (eleven) a non guaranteed guaranteed financial product is signed in violation of the capital guarantee contract. (twelve) non - real transfer of credit assets; (thirteen) issuing loans to the pawnbroker; (fourteen) issuing credit loans to related parties illegally.