Original title: The banking industry reappeared with large fines, and the official website of the China Banking and Insurance Regulatory Commission announced 9 fines
The banking industry reappeared with large fines. On December 31, 2021, the official website of the China Banking and Insurance Regulatory Commission announced 9 fines: Chengdu Rural Commercial Bank and Foreign Trade Trust were fined 11 million yuan and 10.8 million yuan respectively;HSBC BankSeven banks, including Chongqing Branch, China Development Bank Hainan Branch, Hana Bank, and Chongqing Three Gorges Bank, were fined more than 1 million yuan.
The main illegal facts of Chengdu Rural Commercial Bank are as follows: 1. The equity change has not been subject to administrative permission; 2. Without due diligence, accepting transferees who do not meet the requirements for equity participation as shareholders; 3. Conducting major related transactions in violation of regulations and implementing credit granting in violation of the law; 4. Conduct non-standard business in violation of regulations; 5. Failure to provide or timely provision of inspection materials, hindering the inspection and supervision of the regulatory agency; 6. Failure of internal control.
The main facts of violations of laws and regulations by FOTIC and related personnel are as follows: 1. Before the regulatory approval of the capital increase, the “capital increase” was accepted and used in the form of liabilities in violation of regulations; 2. Failing to identify the inferior beneficiary rights of the commercial bank’s personal wealth management funds subscription; 3. The number of qualified investors breaks through the requirements of the “New Asset Management Regulations”; 4. The employees pooled the funds of others to purchase the trust plan, and some of the pooled personnel subscribed for less than 300,000 yuan; 5. Provide working capital loans for real estate enterprises in disguised form in the form of a commitment to make up for the purchase of accounts receivable with a balance; 6. The project capital fund is not in place, and financing is provided for projects with insufficient capital fund; 7. The loan usage review is not in place, and the trust funds are used to replace the investment funds paid in advance for the land transfer; 8. Inadequate management of the use of loans in the real estate trust plan; 9. The management of loan purposes is not in place, and part of the loan funds flowed into the stock market and the housing market; 10. Inadequate management of personal loan contracts and rates; 11. Cooperating agencies conduct mutual transactions of trust assets between different collective fund trust plans in disguise.
Hana Bank (China) Co., Ltd. was approved by the China Banking and Insurance Regulatory Commission for “serious dereliction of duty in the pre-loan investigation, no false use of borrowings, repayment of loans with loans, cover-up of bad practices, serious failure of internal control of operating property loans, and failure of self-examination and self-correction mechanisms” by the China Banking and Insurance Regulatory Commission The Banking and Insurance Regulatory Bureau fined 3.5 million yuan.
Shinhan Bank (China) Co., Ltd. main violations of laws and regulations are as follows: 1. Adopt improper means to absorb deposits; 2. Failing to provide documents and materials such as statements and reports as required; 3. 3. Compliance management seriously violates the rules of prudent operation; 4. The severely inadequate management of personal business loans has led to misappropriation of funds.
Hua Xia Bank Co., Ltd. Chongqing Branch was fined 9.5 million yuan. The involved personnel Cheng Jie, Kong Deqiang, and Wen Hao were disqualified as senior executives for 5 years, warned and fined 200,000 yuan, and warned. The main facts of violations of laws and regulations of the above-mentioned parties are as follows: 1. Cover up risks in violation of regulations in a variety of ways; 2. Loan management is not in place, and credit funds are misappropriated to purchase non-performing assets in violation of regulations.
Chongqing Three Gorges Bank Co., Ltd. was fined 3 million yuan for “six crimes” and related personnel Wang Shan was warned. The main facts of violations of laws and regulations of the above-mentioned parties are as follows: 1. Distribute loans beyond actual demand; 2. 2. Grant real estate loans to enterprises with insufficient project capital, and the guarantor lacks guarantee capacity, and the basis for payment is insufficient; 3. The credit approval is not prudent; 4. Inaccurate loan risk classification; 5. The cost is passed on, and the borrower pays the loan mortgage evaluation fee; 6. Related party transaction management is not in place.
Changchun Development Rural Commercial Bank Co., Ltd. was fined 1.5 million yuan by the Jilin Banking and Insurance Regulatory Bureau of the China Banking and Insurance Regulatory Commission. The facts of violations of laws and regulations are as follows: 1. Exceeding the actual capital needs of the borrower to issue working capital loans; 2. Failure to submit the case as required.
Industrial BankThe Xiamen branch was fined 1.95 million yuan by the Xiamen Supervision Bureau of the China Banking and Insurance Regulatory Commission for “inadequate pre-loan investigations and inadequate post-loan management resulting in the return of loan funds for misappropriation”. At the same time, four related personnel Zhou Wanru, Lin Taiyu, Kang Bingrong and Wang Ying were given warnings.
The Hainan Branch of China Development Bank was fined 7 million yuan by the Hainan Supervision Bureau of the China Banking and Insurance Regulatory Commission for inadequate management after the loan.
(President Deng)
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