Zhongxin Finance, March 24th. On the 24th, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued a circular on typical cases of credit financing related costs. Among them, Postal Savings Bank, Ping An Bank, Shaoyang Zhaoyang Rural Commercial Bank, Xiangshan National Village and Township Banks Four banks were named for irregularities and improper charges.
I. Postal Savings Bank takes advantage of its dominant market position to pass on mortgage assessment fees
In 2019, Postal Savings Bank Huaibei Branch handled 1,923 mortgage loans worth 632 million yuan.
After investigation, 1,612 loan businesses with a value of 417 million yuan completed the mortgage assessment before submitting the application, and the borrower was responsible for the mortgage assessment fee, and the pre-assessment ratio was as high as 84%.
83 loans worth RMB 24.19 million completed the mortgage assessment on or after the day of application. According to the standard terms of the "Small Enterprise Maximum Mortgage Contract" and "Personal Home Purchase and Car Loan and Guarantee Contract" provided by the branch, the borrower shall bear the mortgage assessment fee. .
Relevant behaviors did not comply with the "Notice on Regulating Issues Concerning the Management of Real Estate Mortgage Valuation Related to Bank Credit Business" and "Notice on Rectifying Irregular Operations of Banking Financial Institutions".
2. Ping An Bank violated the regulations and agreed with small and micro enterprises to pay early repayment liquidated damages
In August and September 2020, when Ping An Bank Haikou Branch provided credit financing for small and micro enterprises, it agreed with the enterprise on the terms of early repayment liquidated damages in the loan confirmation letter, involving 3 loans of 1.324 million yuan.
After investigation, the branch clarified that, in accordance with regulatory requirements, it will exempt small and micro enterprises from early repayment penalty for retail loan products for business purposes, but did not revise the text of the loan confirmation letter in time, resulting in improper agreement.
Relevant behavior did not comply with the "Notice on Further Regulating Credit Financing Charges and Reducing the Comprehensive Cost of Enterprise Financing" and "Guidelines for Internal Control of Commercial Banks".
3. Shaoyang Zhaoyang Rural Commercial Bank transfers the mortgage registration fee
From January 2019 to June 2020, Baicang Sub-branch of Zhaoyang Rural Commercial Bank in Shaoyang, Hunan issued 11 mortgage loans of RMB 2.8 million.
The borrower has gone through the mortgage registration procedures at the real estate registration center and bears the real estate registration fee of 1,820 yuan. The mortgagee is Shaoyang Zhaoyang Rural Commercial Bank.
Relevant behavior did not comply with the "Notice on Rectifying Irregular Operations of Banking Financial Institutions".
4. Xiangshan National Village Bank did not bear the accident insurance premiums for small and micro enterprise borrowers
Ningbo Xiangshan National Rural Bank issued a loan of 1.03 million yuan to 8 small and micro enterprises. The borrower purchased 9 borrower accident insurance in July 2020, using the bank as the first beneficiary of the insurance, and bearing the insurance premium of 3,801 yuan.
Relevant behavior does not comply with the "Notice on Further Regulating Credit Financing Charges and Reducing the Comprehensive Cost of Enterprise Financing".
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