Yes According to the Banking Supervision Law of the People's Republic of China, the Banking Regulatory Bureau will impose certain penalties on debtors who borrow fake loans as appropriate. The Bank of China Insurance Regulatory Commission is a public institution directly under the State Council.

Will the Banking Regulatory Bureau punish minor loans?

According to relevant information, the Banking Regulatory Bureau will punish those who provide loans to minors. According to Article 27 of the Guiding Opinions of China Banking Regulatory Commission on Banking Risk Prevention and Control, it is forbidden to provide online loan services to minors under the age of 18. Once discovered, hell to pay. The banking regulatory bureau refers to the branch established by the China Banking Regulatory Commission to supervise the banking industry.

Is it legal for the banking regulatory bureau to punish trading enterprises for using medium-term floating loans?

This punishment is legal.

According to "People's Republic of China (PRC) Commercial Bank Law" and "Banking Supervision Law of the People's Republic of China", the Banking Regulatory Bureau has the right to punish trading enterprises that use floating loans in the medium term in violation of regulations.

In addition, the Banking Regulatory Bureau will also supervise and evaluate the loan management of commercial banks to ensure the compliance and risk control of loan business.

Measures of China Banking Regulatory Commission on Disposal of Non-performing Loans of the Municipal Government

Enforcement. The CBRC's disposal of non-performing loans is compulsory execution. Banks can repay loans by applying for enforcement of assets in the debtor's name.

Eight banks in Jiangsu were severely punished by the Banking Insurance Regulatory Bureau for loan management problems.

On February 24th, 65438, Jiangsu Banking Insurance Regulatory Bureau issued 20 tickets about banks, involving 8 banks in Jiangsu. They were all fined because of loan management problems, mainly because bank loans flowed to the stock market and the housing market, which violated the Interim Measures for the Administration of Online Loans of Commercial Banks.

The national regulatory authorities have continuously strengthened their control over the management of banking loan funds. However, some banks took chances, ignored them, took risks and were finally punished.

Eight banks in Jiangsu were fined for loan management problems.

The eight banks are Jiangsu Bank, China Merchants Bank, Huaxia Bank, Ping An Bank, Bohai Bank, Changshu Bank, Postal Savings Bank and Zhenjiang Runzhou Changjiang Village Bank. Among them, Lianyungang Branch of Jiangsu Bank was fined the most, with a fine of 6.5438+0.5 million yuan; Followed by China Merchants Bank Yancheng Branch, which was fined 850,000 yuan.

Bank of Jiangsu Lianyungang Branch reloaned and inflated the loan scale; The third loan was not found in place and the loan funds were misappropriated; The bill business was fined 6.5438+0.5 million yuan by the Banking Insurance Regulatory Bureau, and three responsible persons were given warnings, of which 2 were fined 6.5438+0 million yuan and 6.5438+0 was fined 80,000 yuan.

Yancheng Sub-branch of China Merchants Bank issued loans to real estate projects with incomplete "four certificates", personal business loan funds flowed into the property market, and the management of credit funds was not in place. The Banking Insurance Regulatory Bureau issued three tickets, with a fine of 850,000 yuan, and gave warning to two responsible persons, of which 1 was fined 50,000 yuan.

Huaxia Bank Zhenjiang Sub-branch was fined 800,000 yuan by the Banking Insurance Regulatory Bureau for improper post-loan inspection and supervision, which led to misappropriation of working capital loans and project loans.

Changshu Bank was fined 750,000 yuan by the Banking Insurance Regulatory Bureau for some illegal acts such as loan funds flowing into the real estate market, and four responsible persons were given warnings and all were fined 50,000 yuan.

Zhenjiang Runzhou Changjiang Village Bank was fined 700,000 yuan by the Banking Insurance Regulatory Bureau for "three investigations" on loans, improper post-loan management and misappropriation of loan funds.

China Postal Savings Bank Zhenjiang Branch was fined 550,000 yuan by the Banking Insurance Regulatory Bureau for failing to effectively supervise the use of loans and misappropriating personal business loans as the down payment for house purchase.

Yancheng Branch of Bohai Bank was fined 550,000 yuan by the Banking Insurance Regulatory Bureau, because the person in charge of the business department actually performed the duties of a senior manager without the qualification, and the review of the use of loan funds was not strict. Two responsible persons were given warnings and fined 50,000 yuan.

Yancheng Branch of Ping An Bank was fined 300,000 yuan by the Banking Insurance Regulatory Bureau for personal credit loan funds flowing into the stock market. 1 The responsible person was warned.

Relevant policies regulate bank fund management behavior

The State Supervision Bureau strictly stipulates that bank loan funds should be used in a legal way, and real estate speculation, stock speculation or other acts prohibited by laws and regulations are not allowed.

On July 17, 2020, the CBRC issued the Interim Measures for the Administration of Online Loans of Commercial Banks (hereinafter referred to as the Measures). The Measures clearly stipulate that commercial banks should agree with borrowers on clear and legal loan purposes. Loan funds shall not be used to purchase houses and repay housing mortgage loans; Investment in stocks, bonds, futures, financial derivatives and asset management products; Equity investment in fixed assets and equity; Other purposes prohibited by laws and regulations.

In order to serve as a warning to the banking industry, the state regulatory authorities have increased the penalties for eight banks for violating relevant laws and regulations due to improper loan management.

In the case of strict management of bank loans by China's regulatory authorities, banks should set an example, strictly abide by laws and regulations, reduce the occurrence of illegal acts, and promote the benign development of the banking industry.