Wang Fangyuan
Statistics from the Enterprise Early Warning Channel show that since May, dozens of banks and related responsible persons have been imposed administrative penalties by branches of the China Banking and Insurance Regulatory Commission at all levels for violations of laws and regulations, with a total fine of 47.1314 million yuan.
A number of large state-owned banks, joint-stock banks and small and medium-sized banks were involved, of which Hua Xia Bank was fined the highest amount, totaling 9.5749 million yuan.
From the point of view of the case, the lack of due diligence in the “three inspections” of loans and the inaccurate classification of loan risks still dominate the mainstream.
It is worth noting that some banks still have problems such as inflating scale and delaying risk exposure, which have sowed hidden dangers to asset quality.
Multiple million-dollar fines
Data shows that since May, a total of 9 banks have received fines of one million yuan, namely Huaxia Bank Wuhan Branch and Nanning Branch, Zhejiang Tailong Commercial Bank, Anhui Dangshan Rural Commercial Bank, Jiangxi Yudu Rural Commercial Bank, Zhejiang Shaoxing Hengxin Rural Commercial Bank, Zhejiang Sanmen Rural Commercial Bank, Fudian Bank, Jiangxi Longnan Rural Commercial Bank, Agricultural Bank Gansu Branch.
Among them, Hua Xia Bank received two maximum fines, Wuhan Branch was fined 6.7249 million yuan, and Nanning Branch was fined 2.85 million yuan.
It is reported that Hua Xia Bank Wuhan Branch was involved in 12 cases of violations of laws and regulations, and there are many points to "delay risk exposure", including: delaying risk exposure by repaying loans with loans; granting loans to borrowers who do not have the qualifications for loan entities, and using loans Collecting interest to delay risk exposure; delaying risk exposure by borrowing new ones and repaying old loans and extending loan periods; failing to implement credit approval conditions, issuing working capital loans to real estate companies to repay bank acceptance bills to delay risk exposure.
Zhejiang Tailong Commercial Bank was fined 2.1 million yuan for issues such as personal loan funds flowing into the housing market, credit funds being misappropriated into bank acceptance bill deposits, loan funds being used by others, and financial management operations on behalf of customers.
The fine also pointed out that the bank's "employee management is not in place, employees work part-time in industrial and commercial enterprises" and "employees lend credit cards to others for use."
Inflated scale has hidden dangers
The data shows that some banks have problems such as transferring deposits from loans and issuing bank acceptance bills on a rolling basis. They are suspected of inflated scales, idling of funds, and banks illegally extended risk exposures by means of "repaying loans with loans".
On May 11, Minsheng Bank Guiyang Branch was fined 900,000 yuan, one of which was "rolling issuance of bank acceptance bills, inflating the scale of deposits".
Hua Xia Bank Nanning Branch was fined 2.85 million yuan by the Guangxi Banking and Insurance Regulatory Bureau for six cases this month.
The fine pointed out that the bank "violated the rules of using loan-to-deposit rolling to handle certificates of deposit pledged loans" and "use of interbank deposits to inflate general deposits has been repeatedly investigated and repeated."
The fine disclosed by the Anhui Banking and Insurance Regulatory Bureau on May 12 showed that the Wenzhuang Sub-branch of Dangshan Rural Commercial Bank in Anhui was fined 350,000 yuan by the Suzhou Banking and Insurance Regulatory Sub-branch for "rushing the time point" with the loan transfer. Taking direct responsibility is warned.
How does "deposit by loan" work?
According to industry insiders, this is generally used when banks offset the scale of deposits.
Borrowers usually take out a loan at the bank's request and then deposit it in the bank.
Then use the certificate of deposit as a pledge, apply for a loan from the bank, and then deposit the loan in the bank, and repeat the rolling operation to expand the scale of deposits.
A lawyer told reporters that loan-to-deposit transfers are usually linked to deposits and loans.
"Many banks will set indicators before deciding whether to lend to companies, such as how many deposits to create for banks each year. In order to meet loan conditions, companies and banks continue to transfer loans to deposits, inflating the scale."
Experts believe that some banks may respond to the pressure of assessment.
Zhao Yarui, a senior researcher at the Bank of Communications Financial Research Center, said that on the one hand, traditional regulatory assessments have been abolished. Although the relevant assessment indicators have been cancelled, banks will also make adjustments based on their own operations and risk management; examination.
Experts pointed out that the loan-to-deposit and loan-to-deposit linking can retain customer deposits and ease the pressure on bank deposits by forcibly setting terms or negotiating agreements to convert some loans into deposits or using deposits as a precondition for approval and issuance of loans. Such behavior will undoubtedly increase the capital cost of loan companies, especially for small and micro enterprises.