It is very easy for banks to check the credit information of borrowers. You only need to check the credit information through post-loan management. Banks can check the flow of funds after the loan, and can also conduct cross-bank penetration inspection through the cooperation of the CBRC.
2. How does the CBRC check consumer loans?
According to reports, a few days ago, Xiao, director of the Prudent Supervision Bureau of the China Banking Regulatory Commission, pointed out at the briefing on "Supervision" that the regulatory authorities will strictly investigate the misappropriation of consumer loan funds and prevent the risk of real estate bubbles.
According to the report, experts said that by swiping credit cards, it is easy to cause overdue and affect personal credit information. Moreover, once banks find that loan funds flow into real estate, they may reduce the amount, which is not worth the loss. The regulatory authorities should strictly investigate the misappropriation of consumer loan funds and guard against the risk of real estate bubble.
The director of the Prudential Supervision Bureau of the China Banking Regulatory Commission said that the financial consumer group is huge and it is an important business of banks, and the growth rate of bank consumer loans is relatively fast in 20 17. Encourage banks to issue personal consumption loans to buy durable goods such as education and tourism, and further improve the living standards and service levels of residents.
But in fact, there are many phenomena that consumer loan funds eventually flow to the stock market, real estate and other fields. Strictly investigating the misappropriation of consumer loan funds is also one of the important measures to ensure financial security, and it is necessary to prevent the leverage ratio of residents from rising too fast.
I hope that similar situations can be investigated as soon as possible!
3. How does the CBRC check consumer loans?
According to reports, a few days ago, Xiao, director of the Prudential Supervision Bureau of the China Banking Regulatory Commission, pointed out at the briefing on "Banking Operation Supervision since this year" that the regulatory authorities will strictly investigate the misappropriation of consumer loan funds to prevent the risk of real estate bubbles. According to the report, experts said that borrowers who pay the down payment by swiping a credit card have great short-term repayment pressure, which may easily lead to overdue.
4. Can CBRC check personal account transfer records?
Generally, the CBRC will not inquire about the specific records of personal account amount. However, there are several situations that will be inquired by the CBRC:
1. If the single deposit and withdrawal amount from the bank exceeds 50,000 yuan, and the withdrawal amount from the memory on 10 exceeds10 million yuan, the bank can monitor the account, and the local People's Bank and the Municipal Public Security Bureau will investigate to confirm whether there is any suspicion.
2. Cash receipts and payments below but close to the reporting limit of large cash transactions frequently appear in customers' fund accounts for unknown reasons.
3. In a short period of time, customers deposit funds in a decentralized way, transfer them out in a centralized way or deposit them in a centralized way, and transfer them out in a decentralized way.
4. In the bank card account that the customer has not used for a long time, a large amount of funds are suddenly received and paid into the fund account.