China News Agency, Beijing, April 12 (Reporter Xia Bin) Recently, some hot cities in China have seen the problem of operating loans flowing into the real estate market. Zou Lan, Director of the Financial Markets Department of the Central Bank of China, said when attending a press conference in Beijing on the 12th If the above-mentioned problems cannot be contained in a timely manner, it will not only affect the implementation effect of real estate control policies, but also squeeze credit resources to support the development of the real economy, especially small and micro enterprises.
Zou Lan said that the financial regulatory authorities in Shenzhen, Guangzhou, Shanghai, Beijing and other places have previously required banks to conduct self-inspection on the inflow of operating loans into the real estate market. Some cities have also organized regulatory inspections in a certain range, and they have initially figured it out. Typical practices and key illegal links in typical cases.
On March 26, Chinese officials issued the "Notice on Preventing the Illegal Flow of Loans for Business Purposes into the Real Estate Sector."
Zou Lan stated that the notice put forward further clear requirements in terms of strengthening credit management, internal management of banks, and management of intermediary agencies. According to the document, relevant localities are organizing and preparing for supervision and verification.
The notice also specifically pointed out that all localities should unblock the complaints and reporting paths for violations and jointly investigate clues of violations.
"We think this kind of investigation is very necessary, and we will continue to track and pay attention to the progress of the relevant investigation and the final handling."
Zou Lan emphasized that in the process of solving the above problems, it is hoped that commercial banks will not affect the quality of financial services for small and micro enterprises.
For the necessary and normal verification procedures, problems that are indeed due to illegal activities and bank staff cannot immediately identify problems, they should also be within the scope of due diligence of the bank's grass-roots employees and grass-roots banks.
If it is discovered that the loan is obtained by fraud, the loan shall be recovered in accordance with the contract in accordance with the law.
"Of course, it involves the loss of a home buyer who was deceived and deceived by illegal institutions and personnel, and obtained a loan through fraudulent behavior and was recovered by the bank. I think he can claim his rights to the relevant departments and the court." Zou Lan Say.
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