1October 4th, 165438, China Banking and Insurance Regulatory Commission, China announced eight fines: four banks, namely Industrial Bank, China Construction Bank, Bank of Communications and China Merchants Bank, were fined13.7 million yuan for capital flowing into the housing market. The Bank of Communications imposed a maximum fine of 5 million yuan. The main reason for the fine was that personal business loans flowed to the real estate market, and the head office failed to supervise the sub-branches. In addition, the vice president of Hubei Branch of Bank of Communications was given a warning. China Merchants Bank ranked second in the amount of fines, and so did China Merchants Bank. This shows that the state has repeatedly stressed that personal business loans are not allowed to flow to the real estate sector, and began to put them into action.

The fermentation of Zhengzhou's previous mortgage abandonment incident has caused a chain reaction in many places. Although the state has issued a series of policies to stabilize real estate. But there are still principles and bottom lines. ? Do you want to live in a house? This is the guiding principle of the country in the field of real estate. For state-owned banks that refuse to mend their ways, the state will never tolerate and nurture traitors and will never be soft. These fined banks have the following three common characteristics: first, personal business loans were misappropriated to the real estate market; Second, personal consumption loans flow into the real estate market; Third, the head office's control over sub-branches is weak. In addition, China Merchants Bank also has personal business loans? Three checks? Not in place.

Personal business loan? Three checks? It means that before, during and after the loan, the banking institution should track the basic situation of the loan applicant, the audit of the loan information and the operating status after the loan. According to the data of relevant departments, in the second quarter of this year, household loans increased by 8.2%, commercial loans increased by 15. 1%, and housing loans increased by 6.2%. The abnormal growth rate of operating loans does not rule out the possibility of operating loans flowing into real estate. This runs counter to the country's major policies, and the country should take measures to control it. After all, the real estate industry affects the economic lifeline of the country and the interests of thousands of buyers. The stability of real estate is related to the stability of society and country. Therefore, I hope colleagues in other banks will take a warning and learn a lesson. Obeying the overall situation and playing a game of chess across the country is the right choice.