Wang Han of reporter of economic observation newspaper comes at the beginning of this year in April since the middle ten days of a month A go strong continuously, capital of the multichannel below posture of stock market rocket " immediately respond to a news " swarm into the stock market, also include the credit fund that pours out of from the commercial bank even. After matching endowment heat to pass, because publish the account such as flow management, bank credit capital violates what compasses divert flows into capital market to punish sheet in succession exposure.
Observe according to economy not complete count discovers newspaper reporter, superintended 2019 allotted the administrative punishment that exceeds dicker, be aimed at directly " credit fund violates compasses shedding to enter divert of loan of the stock market, individual at security market " etc, amerce amount exceeds 8 million.
In the meantime, the data of newest finance statistic that the Central Bank publishs shows, china deposited money to add about 270 billion yuan of RMBs less compared to the same period in April, 1 to the long term loan in the individual increased in April more. Does the market guess " is deposit little loan much " the suspicion that whether bank financing flows into the stock market and building city? To this, zhang Wengong of vice director of department of statistic of Central Bank investigation airs as above is made respond to on the meeting in a media " from statistical data at present I am returned did not see clear demonstrative case.
Although the stock market at the beginning of this year rises in truly bank credit capital is participated in. But support is superintended after borrowing, selective examination, cannot quantify capital to swarm into a circumstance in the round. Why does credit fund flow into the stock market to be banned repeatedly more than? The investigation before the bank is borrowed, in borrowing, examine, after borrowing, selective examination wait for an operation to fall, still did not stem " spec " flaw, superintend a method besides the bank finite outside, have loan medium more from which add fuel to the fire.
Credit fund enters town " real hammer into shape "
Loan consumption is already common, but loan is fried it is one cannot touch touched red line all the time. Current, because credit fund violates compasses shedding to be gotten into city of the stock market, building,already had much home bank punish, commercial firm of state-owned travel, share travel, city farming is not had escape.
On May 24, qingdao bank because " credit fund is violated compasses flow into capital market " , be punished 500 thousand yuan. Be in likewise in May, shanghai punishs sheet 3 pieces of exposure of the silver-colored bureau that keep watch, because of,be Jia Dinghong of bank of Shanghai farming commercial firm, Nanjing, Shanghai bourg bank extends between 2017 after the individual consumes loan, examine lax, loan fund is used at negotiable securities to trade. And March, restful bank, mail store the bank also is violated because of credit fund compasses flow into capital market to wait to be punished by administration.
Be in on March 7, two pieces when stage city silver protects inspect bureau to announce punish sheet to cause market heat to discuss, two banks because " credit fund violates compasses shedding to enter the stock market " receive superintendency branch to punish. The reporter ever reported and to apanage silver personage of the bureau that keep watch begs card discovery: "The market is excessive to these two pieces of existence that punish sheet unscramble, from the spot the examination arrives to leave finally piece punish sheet to arrive announce punish sheet, need passes much talk technological process, time-consuming meeting makes public the time of byelaw according to governmental information and decide commonly, but not be this the stock market rises apparently the incident of level. But not be this the stock market rises apparently the incident of level..
Additional, although punish sheet to announce the date on the net,be in 2019, but violate compasses behavior to happened 2018 bottom. Subsidiary bank of city of Shenzhen of such as Bank of China is protected by Shenzhen silver inspect bureau fines 2.1 million yuan, point to continuously " the individual consumes loan by divert at the stock market " . Do not have stannic farming commercial firm to fine 500 thousand yuan, this reason that is punished is credit management less than, individual loan fund violates compasses shedding to enter town of the stock market, room. Branch of construction bank Jin Hua is protected by Jin Huayin inspect substation fines 700 thousand yuan, break the law violate compasses brief of a case to include credit fund to violate compasses shedding to be waited a moment into the stock market
An orgnaization personage that is close to superintendency layer is in the middle ten days of a month ever told a reporter in March: "Superintendency layer adopts the method of public proclamation policy to control a venture, and bank credit capital enters town is to superintend public proclamation to prohibit all the time, this paragraph of time has the special attention that the affirmation of begin to crop up is superintended. From the back the condemnatory case regular meeting of proceed with of more bank credit capital rises to surface.
Loan intermediary add fuel to the fire
Why does credit fund flow into the stock market to be banned repeatedly more than? The investigation before the bank is borrowed, in borrowing, examine, after borrowing, selective examination wait for an operation to fall, still did not stem " spec " flaw. Superintend a method besides the bank actually finite outside, have loan medium more from which add fuel to the fire.
The client identity that the reporter seeks advice from with loan investigates intermediary of a few loan with " help client high specified number spends loan " offer for stunt aid borrow a service.
Shanghai area is engaged in aiding the loan intermediary Zhao Jun that shifts an industry for years (alias) tell economy observation signs up for a reporter: "This year 2, March, stock market prices is good, we made a lot of sheet for the client, cover fund from the bank, fry, buy a house have. " " if have house property, I suggest to do a room to touch borrow, year change interest rate ability 5%-6% , evaluate according to house property market prise, we can make other material. Capital requirement can go individual consumption not high to borrow, particular way can be to decorate loan, marriage to celebrate loan, year change interest rate to be touched than the room borrow tall in part. Year change interest rate to be touched than the room borrow tall in part..
Zhao Jun is borrowed with decorating for exemple, the early days in intermediary orgnaization loan participates in conduction holiday running water, decorate a data, can replace even do the stuff that sign a letter, whole technological process accompanies a client to submit data to the bank, wait for loan to examine and approve after passing, offer brush chuck to show a service. "The whereaboutldirection of money we no matter, want to avoid the investigation after the bank is borrowed, borrow the money that give to pour a few hands back and forth, the bank is checked do not come out. " of Zhao Jun guarantee type assure.
When the client application individual consumes loan, should in order to consume bill, trade the proof data that the market supplies card of sheet of Zhang of electron of money bill, business door, bank to brush the consumptive proof such as card blocking sheet to regard commerce as authenticity. And in be being operated actually, the individual consumption loan that the bank extends can be in machine of electric business website, POS brushs calorie of consumption, flow into city of the stock market, building even.
He says frankly, not be all banks can be operated so, "Our concern net is in big travel and 4 ten cities commercial firm, want a client to cooperate only, had not given an issue to now. Had not given an issue to now..
Be similar to Zhao Jun such loan intermediary, often meet collection loan amount 2% right-and-left poundage. If still need other appreciation service, add according to content collect service fee.
Is reality like this really simple? Actually otherwise, the reporter interviews know to public figure of credit of interior of much home bank, consumption is borrowed close compasses check oneself nonsked undertake, existence violates the loan of city of building of compasses flow direction and stock market individually, but the amount is less. "The consumption of our bank borrows set certain threshold, with officeholder, teacher such professional group is given priority to, other client cannot be borrowed complained credit manager. " the manager of client of commercial firm of one famous city of city of Hua Dong provincial capital spits groove to. "To the collaboration of loan intermediary, father inside travel dozen, if discover those who come to the client is intermediary introduction, client quality is unwarrantable, no matter dismiss immediately innocently of purpose. " a credit manager that stock goes expresses to the reporter.
Existing case discovery was revealed " various " violate regulation way. For example, it is an unit with industry group, can use accept bill of exchange to cover take bank financing; Open the accept bill of exchange that does not have barter commerce setting, obtain fund to commercial bank discount. In addition, individual behavior, the holiday is mortgaged, consumption shifts use loan of undeserved, loop and credit card are covered illegally now, can make a step that takes bank credit fund.
Public proclamation prohibits, bank fact accuses hard
Enter the stock market to bank credit capital, superintend a repeated orders to prohibit strictly. A series of relevant punishment announcement is not had emphasizing passing legal basis to control capital export to credit fund.
In be operated actually, compasses investment stock market won't be violated directly after credit fund comes out from the bank, want to pass many link however, often appear in order to combine the aspect of compasses capital in the last link.
Credit fund is violated compasses enter the stock market to create risk of bigger credit break a contact to the bank. "Credit fund is violated compasses the reason that enters town is very much, but main reason or loan ' 3 check ' the system is not fulfilled. The tie ability that the bank flows into the stock market to credit fund really is limited. It is with borrower A enterprise exemple, a to enterprise B buy, the bank pays B the company directly, skill is among this, if crossed much hand, the after before borrowing, be being borrowed investigation of the bank is very difficult. There perhaps is true commerce setting at all between A and B, credit fund displacement the own reserves of the enterprise, made latter direct enter building city, stock market. " analysis of a public figure of bank credit department says.
Silver-colored guild uses a variety of ways to undertake be checkinged again to borrowing the loan that give, borrow money for instance the method such as the utility proof, pay a return visit after borrowing. And bigger to amount spending borrows money, see borrower gathers the use evidence of relevant capital possibly even about, undertake selectiving examination to using a case. If discovery enters a city, building city to wait,violate compasses divert, the bank has authority to call in ahead of schedule.
Hua Dong some superintendency personage says frankly to the reporter " specific cannot say more " , but OK and affirmative is, "The capital account that Chan Jiayin can see all right is very finite, basically center within travel. It is OK to superintend through turning Zhang proof, it is capital flow direction, OK also that much bank account dogs wash money system through turning over, pay settle accounts system to wait undertake capital monitoring.
Credit fund is violated compasses entering the stock market is all the time hard accurate the problem that quantifies research. "Be worth what carry is the statistical data that the government did not release pass a barrier to flow into the stock market at bank credit capital. Can never periodic bank administration is punished ' credit fund is violated compasses into city ' syncopation knows just a little, but never loosen to relevant superintendency apparently. " afore-mentioned superintendency personages say frankly.
On December 24, 2018 thirteenth Standing Committee of the National People's Congress on the 7th conference, the problem of the fish of 2017 year audit that national audit arrange announces discovers, prevent in financial venture accuse a problem to go up, rectify and reform state-owned bank financing to violate compasses flow into problem of building city stock market twenty-one billion nine hundred and eighty-three million yuan, the others already made Qing Dynasty forteen billion one hundred and four million yuan accept a plan.
