2u3001 The group finance department and some branches of the head office of Minsheng Bank illegally charged small and micro enterprises with two prohibitions and two restrictions, such as loan commitment fee, bank acceptance bill exposure management fee, and corporate account overdraft business commitment fee. According to the investigation, from September 2016 to November 2019, Minsheng Bank illegally charged RMB 43.6953 million for two prohibitions and two restrictions from small and micro enterprises. Among them, Beijing Branch, Shanghai branch and Harbin branch of Minsheng Bank illegally collected loan commitment fees, involving 3 households and 4 transactions, with a total amount of 13.7248 million yuan; the group finance department of the head office of Minsheng Bank, Fuzhou branch, Suzhou Branch, Shenzhen Branch, Shijiazhuang branch, Guangzhou Branch, Chengdu branch, Xiamen Branch, Dalian Branch, Taiyuan branch, Beijing Branch and Quanzhou branch were involved Seventeen branches, including state branch, Chongqing Branch, Jinan Branch, Changsha branch, Wuhan Branch, Zhengzhou branch and Qingdao Branch, illegally collected bank acceptance bill exposure management fee, involving 180 households and 1975 transactions, with a total amount of 29.0535 million yuan; the group finance department of the head office of Minsheng Bank and 5 branches of Minsheng Bank, including Shanghai Branch, Hangzhou branch, Nanchang Branch, Quanzhou branch and Zhengzhou branch Illegal collection of corporate account overdraft business commitment fee, involving 8 households, 10 transactions, the total amount of 917000 yuan.
3u3001 Under the premise of existing mortgage, Minsheng Bank sells personal accident insurance with higher insurance rate to customers and withdraws high agency fees. According to the investigation, from September 2016 to November 2019, Minsheng Bank had 101900 individual business loans for small and micro enterprises (the guarantee method was mortgage), and 67% of the borrowers accidental injury insurance premium amount / loan amount was no less than 0.40%. The bank and the vast majority of insurance companies through the total to total cooperation agreement, agreed that the agency service rate of 50% - 80% of the premium. For example, during the period from September 2016 to November 2019, 2684 individual businesses and small and micro business owners of Hangzhou branch of Minsheng Bank purchased the accidental injury insurance of borrowers of Everbright Life Insurance Company. The customers paid a premium of 18.4724 million yuan to Everbright Life Insurance Company, and Everbright Life Insurance Company paid an agency fee of 14.7779 million yuan to Hangzhou branch of China Minsheng Bank The agency fee accounts for 80.02% of the premium. Spot check on some insurance policies shows that the relevant premium rate is 0.39% - 0.5%, several times higher than that of general personal accident insurance.
At present, the CBRC is working with relevant parties to deal with the problems found in the supervision and inspection in accordance with the law and regulations. The supervision and inspection office of the general office of the State Council will closely track the progress of relevant work and urge the rectification of problems to be in place.
Inspection office of the general office of the State Council
General Office of China Banking and Insurance Regulatory Commission
Some banks delayed or refused to open accounts for small and micro enterprises, and the central bank issued risk tips
On November 15, 21st century economic reporter learned that the general office of the peoples Bank of China recently issued a risk warning to the Shanghai headquarters, branches, business management departments and central branches of provincial capitals of the peoples Bank of China on actively and steadily solving the problem of enterprise message messages and effectively improving the service quality of enterprise bank accounts, and the requirements were forwarded to the banking institutions under their jurisdiction.
Some banks often refuse to open accounts in a one size fits all manner
At the end of 2017, in order to implement the work requirements of release, management and service, optimize the business environment, and further facilitate the opening of RMB bank settlement accounts by newly established enterprises, the central bank issued the guidance on optimizing enterprise account opening services.
In January 2019, fan Yifei, vice president of the peoples Bank of China, held a teleconference on the mobilization of cancelling enterprise bank account permission, deployed the nationwide cancellation of enterprise account permission, and stressed that the cancellation of enterprise account permission should adhere to the general principle of two not reducing and two strengthening, that is, the convenience of enterprise account opening should not be reduced, the risk prevention and control ability should not be reduced, and the optimization of enterprise account service should be strengthened and account management should be strengthened It should be strengthened.
According to the risk tips issued recently, some commercial banks have not effectively implemented the main responsibility of account management and the management requirements of two unreduced and two strengthened, failed to implement classified and hierarchical management of account risk, failed to accurately identify customer risk status and take differentiated management and service measures, and still ignored the account service needs of small and micro enterprises to varying degrees.
The details are as follows: the way of work is simple and crude, often one size fits all refusal to open an account; customer service is too poor to love the rich, and the willingness to serve small and micro enterprises is insufficient; explanation and explanation shirk responsibility and put aside doubts of enterprises.
The 21st century economic report reporter noted that on July 13, this year, the Chinese government website published netizens message: its difficult to start a business, dont use simple indicators to restrict small and micro enterprises, saying that at the beginning of 2020, the relevant requirements for newly established small and micro enterprises to open accounts in banks have become very strict, including the requirement to investigate the actual site and provide materials such as housing rental contracts, which not only cost bank workers The energy and time of working as a staff also makes it very difficult to establish many small and micro enterprises.
At the same time, the risk tips also pointed out the responsibilities of the local management of the central bank branches. For example, some branches of the central bank did not fully understand and understand the reform requirements of release, management and service, did not handle the relationship between risk prevention and control and service optimization, and unilaterally believed that the central bank only needed to manage the account risk, and did not pay attention to and did not act on the optimization of bank accounts and the problems reflected by the masses; The work is not solid, some branches of the central bank do not pay enough attention to the handling of mass message, and are not active enough to turn the relevant problems to the commercial banks; the management is not in place, some branches of the central bank do not deeply analyze the deep-seated problems exposed by the mass message, do not seriously deal with the problems involving commercial banks, and do not give warning tips to other commercial banks.
Strictly implement the requirements of two unreduced and two strengthened
For the above problems, the risk tips require the branches of the central bank and commercial banks to improve their positions, adhere to the principle of paying for the people, attach great importance to and comprehensively strengthen the service and management of bank accounts of small and micro enterprises, achieve the goal of combining management with service, promoting management with service, and strictly implement the management requirements of two unreduced and two strengthened.
For commercial banks, risk warning requirements, comprehensive measures, practical optimization of bank account services of small and micro enterprises, the improvement of risk prevention and control level is reflected in the risk identification ability of customers, so as to ensure that the business of normal customers is not affected or affected to a minimum extent
First, it is required to implement classified and hierarchical management of account risks, be good at identifying risks and distinguishing customers, provide convenient and high-quality services for normal accounts, take differentiated risk measures for suspicious accounts and risk accounts, and put risk prevention and control into efficient and high-quality services;
Secondly, it is necessary to strengthen the whole life cycle management of accounts, clarify the responsibilities of the front, middle and rear departments, give full play to the role of technical means, strengthen the ability of detection and analysis during and after the event, and optimize the account management process;
Fourth, it is necessary to do a good job in customer communication and explanation, strengthen the training and education of network staff and customer service personnel, carefully listen to customers questions and complaints, and patiently explain them, instead of simply passing the buck to the regulatory authorities.
For the branches of the central bank, risk tips require the implementation of territorial management responsibilities, attach great importance to and properly solve the problems reflected by the mass message: fully grasp the real situation of relevant issues within the jurisdiction, conduct in-depth verification with a highly responsible attitude, and carry out backtracking of clues; improve the handling of complaints, off-site detection, etc., and use the methods of checking the track of the banking system, tracking the processing process, and so on In order to prevent commercial banks from concealing, delaying and prevaricating, it is necessary to draw inferences from one instance on the situation reported by the masses and the problems exposed, and take prompt and investigation measures within the jurisdiction in time to avoid the recurrence of similar problems.