Guangdong Banking and Insurance Regulatory Bureau severely investigated the illegal inflow of credit funds into the real estate sector

Six verification teams stationed in suspected illegal bank branches

"Why the illegal inflow of credit funds into the property market continues to be banned? 》News Tracking

Nanfang Daily (Reporter/Chen Ying, Tang Liuwen, Li Hualian) On February 9, the Guangdong Banking and Insurance Regulatory Bureau reported on Nanfang Daily’s February 4 report "Why the illegal flow of credit funds into the property market continues to be banned ? "Response: Seriously investigate and punish the illegal inflow of business loans and consumer loans into the real estate sector. In response to the reported suspected violations of the six bank branches, the Guangdong Banking and Insurance Regulatory Bureau formed six verification teams to simultaneously stationed in the relevant bank branches.

Guangdong Banking and Insurance Regulatory Bureau said that in response to the chaos mentioned in the report, the bureau quickly took action to seriously investigate and deal with the illegal inflow of business loans and consumer loans into the real estate sector.

Quickly carry out self-examination. Timely through window guidance, supervisory reminder interviews, etc., deploy all banking institutions under the jurisdiction to conduct rapid self-inspection, comprehensively investigate relevant situations, initiate investigations and reforms for violations, strictly regulate business cooperation with intermediary institutions, and timely plug business management loopholes and improve The product service process, serious implementation of accountability.

Specially issued a notice to organize a comprehensive risk investigation. On the basis of a comprehensive investigation, the "Notice on Organizing Banking Institutions to Carry out Operational Loans and Personal Consumption Loans Risk Investigations" was issued, requiring banking institutions within the jurisdiction to strictly implement the main responsibilities, focusing on credit investigation, credit review and approval, and credit granting. After management, business cooperation with third-party institutions and other links, we will carry out a full-scale risk investigation. The problems found in this investigation will be investigated and reformed, and serious accountability will be taken. In other words, we will analyze the causes of the problems in depth, improve the system and procedures in a timely manner, and ensure that the various credit businesses The process links strictly follow the requirements of the internal control system, and implement various risk prevention and control systems in place.

Quickly organize on-site investigations. In response to the reported suspected violations of the six bank branches, the Guangdong Banking and Insurance Regulatory Bureau quickly organized an overall and capable force, formed six verification teams to simultaneously stationed in relevant bank branches, conducted in-depth on-site investigations and evidence collection, strengthened big data screening, and severely investigated and dealt with operations The illegal inflow of loans and consumer loans into the real estate sector has created a market deterrent.

The Guangdong Banking and Insurance Regulatory Bureau stated that in the next step, the bureau will resolutely implement the central government’s policy of “no speculation on housing and housing”, adhere to strict supervision in accordance with the law, strive to build a long-term mechanism, and always maintain a strict crackdown on illegal activities. Violations and the high-pressure situation of rectifying market chaos, serious accountability of senior executives of violating banking institutions, strengthen the prevention and control of real estate financial risks, and strictly implement the real estate loan concentration management system and key real estate enterprise financing management regulations.