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Teng Nuo" business loan intermediary actually claims to be able to help "start a company"
Expert: The so-called "one-stop solution" Risky City Banking and Insurance Regulatory Bureau: Will strictly investigate the flow of personal consumption loans and business loans into the stock market and property market
Since last year, the financial industry has increased its support for the real economy and small and micro enterprises, and the interest rate of personal business loans has been significantly lower than that of personal mortgages.
Recently, some joint-stock banks have raised the interest rate of personal business loans, but they are still lower than the mortgage interest rate.
Against this background, there are still loan intermediaries actively soliciting customers, claiming that they can help individual customers "through one-stop" to save interest on the replacement of housing loans with personal business loans.
Find
Stock bank raises operating loan interest rate
But still lower than the personal mortgage interest rate
The first home loan interest rate is 5.2%, and the second home loan interest rate is 5.7%. Recently, the personal mortgage interest rate in Beijing has been stable.
Also standing still is the personal operating loan interest rate of major state-owned banks.
The person in charge of a branch of a large state-owned bank told the Beijing Youth Daily that the bank’s personal business loan interest rate has not risen, the unsecured credit loan interest rate is around 4%, and the secured interest rate is 3.85%.
However, the personal operating loan interest rates of many joint-stock banks have quietly increased.
As a client, a reporter from Beijing Youth Daily consulted a number of joint-stock banks in Beijing.
A business staff member of a joint-stock bank said that the operating loan interest rate has indeed been raised recently. It used to be as low as 3.85%, but now it can only be as low as 4.35% and as high as 4.75%.
"Before the interest rate was 4.35%, now it is generally 4.65%, but almost no one can meet this condition." A staff member of another stock bank said.
There is also a personal loan business manager of a joint-stock bank said that the bank’s personal loan interest rate was 3.85% before, and now the lowest is 4%. The specific interest rate is determined by the system, but the interest rate approved by some customers is slightly higher than 4%.
The personal loan manager of only one joint stock bank said that the bank’s operating loan interest rate has not been raised recently, and the interest rate range has always been 3.85%-5.15%, but few people can approve 3.85%. Most customers finally apply the interest rate to 4.65 %.
On the whole, the current mainstream interest rate for personal business loans of joint-stock banks in Beijing is around 4.65%, the lowest is around 4%, and the highest generally does not exceed 5%, which is still significantly lower than the personal mortgage interest rate.
survey
Banks said that audit supervision is strict
The rules vary in practice
The supervisory authorities have been making repeated orders to prohibit illegal flow of loan funds into the stock market and property market.
Almost all bank staff said that the review of personal business loans is relatively strict and needs to meet certain qualifications. Large loans require entrusted payment and cannot directly enter the lender’s personal account. After the loan, the flow of funds will be checked, but from the details Look, there are still some differences between banks.
For example, in terms of loan amount, some banks determine the amount based on 60%-70% of the unsecured part of the personal house, while others say the ratio is 70%-80%; and some banks base the amount on the unsecured part of the personal house and the after-tax business of the company. The higher 1/3 of the income is determined.
In terms of collateral, some banks require full purchase of unsecured real estate, and some banks claim that the mortgage can also be operated if the mortgage is not repaid; some banks require real estate in Beijing, and some banks indicate that all parts of the country Any property will do.
In terms of the applicant’s qualifications, some banks require that the lender does not have to be a legal representative of the company, as long as it accounts for 10% of the shares; or it can be a temporary registration of a company.
Registered company to find "third party"
Intermediaries call service "one-stop"
Perhaps it is the differences in the details of the operations of the banks that give intermediaries room for "scaling up".
Recently, a reporter from Beijing Youth Daily received calls to promote "low-interest bank loans" from many loan intermediaries.
A reporter from the Beijing Youth Daily contacted Manager Wang of one of the guarantee companies as a client, falsely claiming that he needed a loan of 2 million yuan.
Manager Wang made it clear that he can help apply for a bank’s personal business loan with an interest rate of 3.85%, as long as he owns a residential house in Beijing.
If an individual does not have a company, they can help register a house; if the house loan has not been repaid, they can first repay the mortgage and then apply for a business loan; they can help prepare all the loan application materials. "Dragon" service, you can get the loan in a few days.
However, he also particularly emphasized that after the loan is taken, it cannot be directly credited to the customer's own account. There must be a "third party", that is, the supplier that the company needs to purchase raw materials and so on.
Because business loans are required for business operations, loans can only be credited to third-party accounts.
"However, you don't have to worry. We can find a third party for you. We can also prepare purchase contracts and sales. The third party will deposit the money into your account after receiving the loan." Manager Wang said. Belongs to "one-stop service" content.
Such a comprehensive "one-stop" service is naturally not free.
According to Manager Wang, the charge standard of their guarantee company is 1%-2% of the loan amount. If they need to arrange a third party, the third party will also charge about 0.5%.
"What if they don't transfer the money to me? This is a mortgage made with my house." Beiqing Daily reporter asked.
"Don't worry, tens of millions of loans have been done this way. We have been doing this for many years. If this happens, we will help you call the police." He smiled and guaranteed the ticket.
"The loan is in my account. I can buy a house and stocks, right?" Manager Wang said with caution to this question from a reporter from the Beijing Youth Daily: "We will tell you how to avoid risks when the time comes. At present, we have handled so many loans. , No one has been forcibly taken back by the bank."
Manager Wang also suggested that a reporter from the Beijing Youth Daily increase the loan limit, "Assessing your house, you should be able to borrow up to 5 million yuan, preferably full. Anyway, it is a formality. Now the interest rate is so low, only 2 million yuan is a loss. ."
Supervision
Beijing will strictly investigate operating loans, etc.
Inflows into the stock market and property market
In order to support the development of small and micro enterprises, banks responded to the call of the state and actively gave profits to all types of enterprises, resulting in a drop in loan interest rates for small and micro enterprises.
However, this was originally intended to support funds for the real economy, but it was regarded as an arbitrage tool by some people.
Some home buyers misappropriate consumer loans and operating loan funds as house purchases or "bridge" funds in order to fill the funding gap in housing transactions or make arbitrage; some illegal intermediaries participate in this for profit, adding fuel to violations.
These market chaos have attracted great attention from the supervisory authorities.
On January 30, the Beijing Banking and Insurance Regulatory Bureau stated that it had noticed the recent market chaos and public opinion, and carried out big data screening as soon as possible, and issued supervisory reminders to banking institutions within its jurisdiction regarding the suspicious clues found in the screening. Letter, requiring all banks to conduct a comprehensive self-examination of the compliance of newly issued personal consumption loans and personal business loans since the second half of 2020, focusing on whether there are any problems due to imprudent credit approval, inadequate management of entrusted payments, and inadequate management after loans Such circumstances have led to the illegal use of consumer loans and operating loan funds to pay for house purchases and other issues, and banks are required to immediately rectify problems found and strengthen internal accountability.
At the same time, the Beijing Banking and Insurance Regulatory Bureau has established a joint working group with the Business Management Department of the People's Bank of China, Beijing Municipal Commission of Housing and Urban-rural Development and other departments, and will go to banking institutions to conduct special inspections in the near future.
Regarding issues such as the inflow of consumer loans and operating loan funds into the real estate sector due to imprudent operations and inadequate internal control management of banks, once verified, they will be dealt with strictly according to law.
The Beijing Banking and Insurance Regulatory Bureau will also guide the Beijing Banking Association to take active actions based on the bank's self-inspection and supervision and verification, and initiate a joint disciplinary mechanism for improper and irregular actions by individuals and intermediaries.
Text/Reporter Cheng Jie Co-ordinated by Yu Meiying
expert
It is recommended to increase penalties for offenders
Incorporating the credit investigation system to increase the cost of violations
It is understood that the original intention of the design of personal loan products is to ease the financing difficulties of small and micro enterprises.
These funds flowed into the property market in violation of regulations, in addition to low interest rates, but also due to the large amount of operating loans, relatively low thresholds, and simple procedures.
In the process of lending, some illegal intermediaries participated in it, which contributed to the flames, which was also an important reason, and even formed a gray industrial chain with complete upstream and downstream.
Industry insiders generally believe that regulators and financial institutions must implement the main responsibilities from the pre-loan approval to post-loan management of operating loans, increase the cost of violations, and guide financial institutions to improve internal evaluation mechanisms to return operating loans to the original intention of product design.
Dong Ximiao, chief researcher of China Merchants Union Finance, pointed out that the monitoring of the flow and use of credit funds by financial institutions has always been a difficult problem.
He suggested that fictitious loan uses and misappropriation of credit funds should be incorporated into the credit investigation system to increase the cost of borrowers' violations and curb the illegal flow of personal credit funds into the property market from the source.
At the same time, banks should restrict the time limit for granting operating loans to less than 5 years while strict entry thresholds and strengthen loan management, and require borrowers to provide necessary proof of use.
Some insiders in the banking industry said that if the bank finds embezzlement of credit funds during post-loan monitoring, the loan can be recovered in advance.
However, such penalties are obviously not up to deterrence.
Attorney Xu Guilin, a partner of Beijing Times Jiuhe Law Firm, pointed out that if the borrower and the loan intermediary practice fraud during the loan application process, they may be suspected of obtaining loans by fraud, and the bank can report to the police for criminal responsibility.
In addition, the business loan does not directly enter the account of the person. In case of a third party who is not creditworthy, he may not get the money or get the money in time. The borrower must consider the risks.