Prevent accuse financial venture, blow illegal bill intermediary and bill covered benefit behavior to have new standard again.
The silver-colored bureau that keep watch releases Beijing formally on July 25 external " the superintendency opinion about business of note of orgnaization of normative banking finance " (the following abbreviation " opinion " ) , the key is examined from capital, commerce setting is examined, business of commercial accept bill of exchange, high proportion assures business of note business, note of ground of the different that cross a province 5 respects begin, aggrandizement standard punish, health of stimulative note market develops in order.
"The main risk of current bill market, had been credit from operation risk change risk and the risk that cover interest; Violate compasses link, already progressively by trade upright move is carried to accept, stick end continuously. " chief says Beijing related the silver-colored bureau that keep watch, violate compasses problem to highlight expression to build lag for business system, client admittance and setting are examined lax, and use a large number of notting have the accept of true commerce setting, straight discuss principles that stick industry adds deposit, idling to cover interest, mask undesirable, set take bank credit and capital to wait.
Accordingly, in the light of assure financing source is examined, capital flow direction is examined flow at the form, loosen intentionally even examine a standard to undertake in order to cooperate a client covering interest, set letter, cover capital to wait violate compasses act, " opinion " reiterate and emphasize, accept business assures capital must not originate loan or capital of other debt sex, straight stick capital; In the meantime, " opinion " specific provision, prohibit strictly the hand before bill sticks business capital to violate compasses circumfluence to discount applicant either continuously, violate compasses circumfluence condition to existing, the orgnaization must not be dealt with for same discount applicant add business newly.
Examine a standard in the light of ministry of less than of orgnaization of partial banking finance abhorrent etc for loosen examine, open without true commerce setting bill or the appearance that handle discount for its, " opinion " examine from client admittance, commerce setting data is examined and 3 respects such as limitation management refined commerce setting to examine a requirement, the key strikes company of empty shell intermediary.
In addition, prevent the quick ticket below the premise that controls a venture effectively to be in according to be on the move efficiency, " opinion " basis of requirement banking orgnaization mode of record of financial data of the client, management running water, pay taxes, settle accounts, business of bill of year of integrated and careful check and ratify produces frontal upper limit.
" opinion " still went up to have a standard to business of bill of exchange of accept of banking orgnaization commerce from 3 administrative levels. Specific in light of, it is to establish standard of rigid admittance of the enterprise that give a letter, execute list to control government, strengthen management of admittance of trade bill client in the round; 2 it is to be aimed at the trade bill business with relatively complex structure, negotiable securities of the investment of a person of same business that is fundamental asset with trade bill or its earnings power for example, capital is changed, Fufeiting, keep the manage, business such as impawn, must compose builds what with its risk level photograph suits inside accuse to run a system, prevent with answer avoid of cross easy structure superintends a requirement; 3 it is to take effective measures to be on guard empty shell company, high venture company and the enterprise that cover interest squeezes source of the financing that hold gold.
Notable is, widespread still presence connects exorbitant scale to assure on current market, even sum assures the action that note business has superintendency covering interest. To this, " opinion " prohibit strictly still banking orgnaization assures through high proportion note business is violated compasses adjust asset quality, absorb deposit or continue to expire product of conduct financial transactions.
In addition, put inside in view of business of note of ground of the different that cross a province accuse difficulty big, superintendency chain is long wait for a problem, chinese silver keeps watch Ceng Yu of meeting general office May 2018 print and distribute " the announcement that crosses province note business about orgnaization of normative banking finance " , have a standard technically to business of different ground note.
"To strengthen the continuity of policy, beijing silver protects inspect bureau to come on stage this " opinion " also saved business of different ground note to have relatively rigid standard to crossing. " afore-mentioned chief say, current, the intermediary of bill of partial empty housing, orgnaization that cover interest, affiliated enterprise, fluctuation swims the enterprise conducts note business in great quantities with identity of different ground client, and existence " set benefit, set letter, cover fund " etc break the law violate compasses act, superintend this secondary to beg, banking orgnaization needs to perfect different ground client accept, straight stick business mechanism, limits of client of delimit different ground, establish rigid client admittance standard, the list that executive trends adjusts controls government, reduce afore-mentioned orgnaizations to be opposite of financial natural resources crowded occupy, purify note market effectively.
