Jin Lu of trainee of contain of king of reporter of economic observation network on July 17, shanghai silver protects inspect bureau to make public 6 pieces to punish sheet, the irregularity that punishs a bank to begin credit card professional work centrally violates compasses act. The 6 banks subbranch of a bank such as the construction bank, industrial and commercial bank, riverside hair bank, Shanghai bank, bank that enrol business, bank that start line of business or credit card center are instructed to correct break the law to violate compasses act and fine, amerce amount differs 200 thousand yuan to 400 thousand yuan, 6 pieces of add up to that punish sheet are punished do not have 1.9 million yuan.
One is close to superintendency personage to tell economy observation network reporter: "Be in severe below the superintendency department that accuses risk of credit card business, the punishment about bank credit card may add future to be not decreased only.
Always award letter forehead to spend a risk to control a problem to highlight
The content that punish sheet shows, the 5 banks orgnaization such as center of credit card of bank of center of credit card of the first subbranch of a bank, bank that enrol business, Shanghai all puts Shanghai of center of center of Construction Bank credit card, credit card of the bank that start line of business, industrial and commercial bank in the nonobservance when conducting credit card business for partial client to always award letter forehead to spend the problem that runs a system, among them center of center of Construction Bank credit card, credit card of the bank that start line of business still is pointed out to financial condition of applicant of partial credit card the level surveys serious and endless office. In addition, when center of travel credit card involves Pu Fayin to conduct credit card business for partial client, be opposite applicant income check and ratify is serious not careful.
This many piece of exposure that punish sheet be not Shanghai silver to protect inspect bureau to be opposite this year of credit card business first check. Last week 2 (on July 9) , because when for some the applicant conducts credit card business, Shanghai country commercial bank is opposite applicant income check and ratify is serious not careful bureau of the inspect that be protected by Shanghai silver is instructed correct, fine 200 thousand yuan. On May 20, bank of Shanghai China luck also Ceng Yin spends prep above to the legal upper limit of 15% is instructed to correct and fine 500 thousand yuan to the concentration giving a letter of some client. Punish sheet to show frequently, superintend control, excessive to risk of credit card business superintend a manner strictly what give a letter to was not loosened.
Before this, economy observes network reporter Home Ceng Du reports, shanghai silver protects inspect bureau to ever will was opposite on October 15 at coming on August 24, 2018 credit card of bank of 19 main hairpin inside administer " tigidity is deducted " superintendency demand executive situation undertakes audit is investigated, will allot findings bulletin on December 25 at of the same age, clew part bank was not carried out " tigidity is deducted " award letter forehead superintendency requirement, always to spend a risk to control measure not careful wait for a problem, afore-mentioned irregularity violate compasses behavior to all have in the bulletin allude.
Alleged " tigidity is deducted " it is to show the bank is in when to credit card the person that hold card awards letter forehead to spend, must deduct spend in forehead of other bank acquired. For instance, some credit card user awards bank check and ratify letter forehead is spent is 80 thousand yuan, if this client is in other bank to 60 thousand yuan of credit card award letter forehead to spend, criterion the specified number that this bank handles new card to award is spent highest it is 20 thousand yuan.
The bulletin points out, partial bank is carried out not in time " tigidity is deducted " superintendency requirement, the excessive risk that give a letter is highlighted especially; In always award letter forehead to spend a risk to command measure respect, cognizance policy of partial bank financial condition is unreasonable, survey endless office to supporting financial condition blocking a person partly, income of check and ratify is far exceed its real income level.
Severe accuse risk of credit card business
In recent years, the bank blocks credit dimensions to expand ceaselessly, at the same time half an year of credit card exceed the time limit not countervail credit total also maintains in higher level. The Central Bank releases " 2019 pay a system to run overall condition first quarter " show, up to first quarter end, the bank blocks the amount that give a letter to be 15.81 trillion yuan, annulus comparing grows 2.67% ; The bank gets stuck should countervail credit remaining sum is 6.98 trillion yuan, annulus comparing grows 1.79% . The bank blocks card to all award letter forehead to spend twenty-two thousand nine hundred yuan, the utilization rate that give a letter is 44.13% . Half an year of credit card exceed the time limit not countervail credit total seventy-nine billion seven hundred and forty-three million yuan, occupy credit card to answer 1.15% of countervail credit remaining sum.
Shanghai silver protects inspect bureau to ever raised 4 big superintendency requirements in afore-mentioned bulletins last year, emphasize building and perfect " tigidity is deducted " mechanism, aggrandizement " tigidity is deducted " the content such as mechanism executive effect, inside administer of requirement of field of the management that give a letter the bank is made more careful and reasonable and financial condition of unified the person that hold card maintains a level, the income giving a letter with reasonable set is compared, reasonable set temporarily the forehead spends be increased frequency, deadline and time-interval, bulletin of information of normative individual credit sends and save etc.
When those, shanghai silver protects inspect bureau to express to will be opposite " tigidity is deducted " the executive circumstance of superintendency requirement is begun continuously dog superintend and director is checked or the spot is checked, reach the designated position to be not being carried out, rectify and reform the bank that causes the excessive risk that give a letter not in time to reach its relevant responsibility person will lawfully from heavy punishment. The relevant bank orgnaization that is punished this, the likelihood is being exposed piece carry out the problem that rectifies and reform not do one's best.
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