**: Spy Finance (ID: Spy Finance).
The Spring Festival of the Year of the Dragon has just ended, and the supervision of the financial industry has struck again.
Just now, the Beijing Supervision Bureau of the State Financial Regulatory Administration issued 4 fines, of which 3 are well-known large joint-stock banks, namely Industrial Bank, Shanghai Pudong Development Bank and Huaxia Bank, and all of them are "Beijing branch accidents".
In particular, the Beijing branch of Huaxia Bank was fined 4.61 million yuan for touching the facts of "7 violations of laws and regulations", which was the largest amount of fines among the three joint-stock banks.
1. The management of personal business loans is not in place, and the funds are misappropriated.Liao Weidong, then chief risk officer of Huaxia Bank Beijing Branch, was warned and fined 200,000 yuan; Yue Qiang, then president of Huaxia Bank's Beijing Shouti Branch, was warned and fined 200,000 yuan; Jia Fengyuan, then the customer account manager of Huaxia Bank's Beijing Shouti Branch, was warned and fined 50,000 yuan; Meng Hui, then deputy general manager of the operation management department of Xiaxia Bank, was warned and fined 10,000 yuan.2. Deposit and loan linkage of personal agricultural guarantee loans.
3. The post-loan management of working capital loans is not in place, and the funds are misappropriated.
Fourth, the management of real estate development loans seriously violates the rules of prudent operation.
5. Granting loans by improper means.
Sixth, the insurance sales behavior can be retrospectively managed and not standardized.
7. Insurance** has not opened an independent commission collection account.
At the same time, the Beijing branch of Shanghai Pudong Development Bank was fined 1.5 million yuan for three violations of cash management laws and regulations: "major deficiencies in the risk management and control of cash clearing outsourcing, dereliction of duty in the supervision and inspection of cash clearing outsourcing activities, and serious imprudent cash management activities".
Hong Wei, then vice president of the Beijing branch of Shanghai Pudong Development Bank, and Su Xiaoli, then general manager of the operation management department, were warned and fined 50,000 yuan;Zhang Yinghong, then general manager of the operation center, Zhou Yan, deputy general manager of the operation center, Yang Yi, manager of the ATM management team, and Daniel Zhang, manager of the cash management team, were warned and fined 200,000 yuan;
Wang Xuhong, Dong Kai, Hua Nan, and Sha Feng, who were in charge of the business processing of the operation center at the time, were warned and fined 100,000 yuan.
Industrial Bank Beijing Branch was found guilty of being involved in ".Deposit-loan linkage, misappropriation of working capital loans for equity investment, serious violations of prudential business rules in the personal mortgage loan business, incomplete compliance requirements for project financing business, failure to strictly review project capital, and advance funds in non-compliant areas through the issuance of loans"5 violations of laws and regulations were fined 2.1 million yuan.
Sun Meilin, then general manager of the Fengtaizhong Branch of Industrial Bank, and Liu Mengyu, then account manager of the enterprise gold bar line of the Fengtaizhong Branch Business Department, were warned and fined 50,000 yuan;Jiao Duo, then the account manager of the enterprise gold bar line of the Chaoyang Zhongzhi Dongwai Branch, Du Jianghuan, the then head of the retail business of the Shunyi Branch, Kong Dandan, the then retail account manager of the Shunyi Branch, Xin Rui, the then retail account manager of the Lugu Branch, and Feng Nan, the then president of the Longyu Branch of the Changping Central Branch, were warned.
Taking Huaxia Bank as an example, one of the violations of laws and regulations is that "the management of real estate development loans seriously violates the rules of prudent operation", and it is currently a critical period for docking real estate "white list" project financing.
Recently, Huaxia Bank has disclosed that all its branches have been connected with the local real estate financing coordination mechanism, of which 26 branches have obtained the "white list" of local coordination mechanism projects, and as of February 9, 15 projects have been approved, with a total credit amount of 112800 million yuan.
Yesterday, the official website of Shanghai Pudong Development Bank issued a document saying that it actively connected with the local real estate financing coordination mechanism and obtained the white list of real estate projects, established a green channel for credit, accelerated the risk assessment and credit approval of real estate projects, and accurately supported the reasonable financing needs of real estate projects.
IB also recently issued an action plan for the implementation of the urban real estate financing coordination mechanism, involving 16 measures, saying that it will be more proactive in docking the coordination mechanism and vigorously support the reasonable financing needs of real estate projects.
In fact, whether it is a development loan or a personal commercial loan, real estate is the heavyweight asset of various large banks, and even high-quality assets.