Enterprise Early Warning Statistics show that since May, dozens of banks and relevant responsible persons have been administratively punished by branches of the China Banking and Insurance Regulatory Commission at all levels due to violations of laws and regulations, with a total amount of 47.1314 million fined and confiscated. Yuan.
Involving a number of large state-owned banks, joint-stock banks and small and medium-sized banks, Hua Xia Bank was punished with the highest amount, totaling 9.5749 million yuan.
Judging from the causes of the case, failure to perform due diligence in the "three checks" of loans and inaccurate classification of loan risks still dominate the mainstream. It is worth noting that some banks still have problems such as inflating their scale and delaying risk exposure, posing hidden dangers to asset quality.
Multiple million-yuan fines
Data show that since May, 9 banks have received million-yuan fines, namely Hua Xia 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 of Gansu Province branch.
Among them, Hua Xia Bank received the two largest fines. Wuhan Branch was fined 6.7249 million yuan, and Nanning Branch was fined 2.85 million yuan.
It is reported that Huaxia Bank Wuhan Branch is involved in 12 violations of laws and regulations, and many of them point to "delaying risk exposure", including: delaying risk exposure through loan repayment; The borrower issues loans and collects interest on the loans to delay risk exposure; it delays risk exposure by borrowing new loans to repay old ones and extending loans; without fulfilling the credit approval conditions, it issues working capital loans to real estate companies to repay bank acceptance bills, delaying risks exposed.
Zhejiang Tailong Commercial Bank was fined 2.1 million yuan, involving issues such as personal loan funds flowing into the housing market, credit funds misappropriated as bank acceptance bill deposits, loan funds being used by others, and financial management operations on behalf of clients.
The fine also pointed out that the bank's "employee management was not in place, and employees worked part-time in industrial and commercial enterprises" and "employees lent credit cards to others for use."
Hidden dangers of inflated deposits
Data show that some banks have problems such as transferring loans to deposits and rolling issuance of bank acceptance bills. They are suspected of inflating the scale and idling funds. "Loans to repay loans" and other methods are used to extend extensions in violation of regulations and delay risk exposure.
On May 11, Minsheng Bank Guiyang Branch was fined 900,000 yuan, one of which was for "rolling issuance of bank acceptance bills and falsely increasing the scale of deposits."
Huaxia Bank Nanning Branch was fined 2.85 million yuan by the Guangxi Banking and Insurance Regulatory Bureau this month for six reasons. The fine pointed out that the bank "violated the rules and applied for rolling deposit certificate-pledged loans by transferring loans to deposits" and "used interbank deposits to inflate general deposits. It has been repeatedly investigated and committed."
The penalty ticket disclosed by the Anhui Banking and Insurance Regulatory Bureau on May 12 showed that the Wenzhuang Branch of Anhui Dangshan Rural Commercial Bank was fined 350,000 yuan by the Suzhou Banking and Insurance Regulatory Bureau for "untimely" transfer of loans. The then president of the branch was warned for taking direct responsibility.
How does "Loan to Deposit" work? According to industry insiders, this is generally used when banks reduce the size of their deposits. Borrowers usually take out a loan at the bank's request and then deposit it into the bank. Then use the deposit certificate as a pledge to apply for a loan from the bank, and then deposit the loan into the bank again. This cycle of rolling operations is repeated to expand the scale of deposits.
Experts believe that some banks may be responding to assessment pressure. Zhao Yarui, a senior researcher at the Bank of Communications Financial Research Center, said that on the one hand, it is the traditional regulatory assessment. Although the relevant assessment indicators have been cancelled, banks will also make adjustments based on their own operations and risk management and control; on the other hand, the bank's expansion of branch deposit business assessment.
Experts point out that loan-to-deposit and deposit-loan linking can retain customer deposits by forcing the setting of terms or negotiating agreements to convert part of the loan into deposits or using deposits as a prerequisite for approval and loan issuance. Ease the pressure on bank deposits, but such behavior will undoubtedly increase the capital costs of loan companies, especially small and micro enterprises, which will be a greater burden.