The CBRC requires a comprehensive investigation of all kinds of potential risks, a special investigation of real estate bubble risks, and a clear understanding of the base. For the problems that have been identified, the banking supervision department is also unrelenting. Among the administrative penalties announced by CBRC in official website in the middle and late September, there are not a few banks punished for misappropriating personal loan funds.
Many regulatory authorities have begun to investigate the chaos of cracking down on personal consumption loans and business loans entering the real estate market illegally. Guangdong and other places have established a monthly monitoring mechanism for personal consumption loan business, requiring commercial banks to submit the monitoring information of personal consumption loan products from 20 17 to 10 every month.
Xiao, director of the Prudential Supervision Bureau of China Banking Regulatory Commission, has a tough attitude, saying that "down payment loans" should be severely cracked down, misappropriation of consumer loan funds should be strictly investigated, and the risk of real estate bubble should be prevented. When developing consumer loan business, banks must operate in compliance with laws and regulations, comprehensively and truly evaluate consumers' repayment ability, and cannot push up the debt leverage ratio for business, let alone fuel the bubble in the real estate sector.
Extended data:
Zhejiang Banking Regulatory Bureau imposed an administrative penalty of 650,000 yuan on Hangzhou Branch of China Postal Savings Bank, and the main illegal fact (cause of action) disclosed to the public was that "personal consumption loan funds were misappropriated for buying houses".
Hainan Banking Regulatory Bureau has successively made administrative punishment decisions of warning to Haikou Rural Commercial Bank. The main illegal facts (cause of action) disclosed to the public are that the borrower failed to take effective measures to track, inspect and supervise the use of loan funds after issuing personal loans, and the borrower's breach of contract should be found but not found.
Phoenix. Com- the buyer cried: personal credit check too many times, the mortgage was rejected.