Viewpoint Real Estate Network News: On March 19, 2009, Beijing Banking Association issued "Suggestions on Further Strengthening the Management of Personal Credit Business" to member banks, and made suggestions to member banks from the aspects of perfecting the disciplinary clauses of loan contracts, standardizing the management of intermediary institutions, preventing the reputation risk of public opinion and strengthening the education of financial consumers, so as to prevent the behavior of taking bank credit funds and misappropriating personal business loans to enter the real estate market.
The Beijing Banking Association said that the proposal was issued mainly to cooperate with the implementation of the Notice on Strengthening the Management of Personal Business Loans to Prevent Credit Funds from Illegal Flowing into the Real Estate Market jointly issued by Beijing Banking Insurance Supervision Branch and the Business Management Department of the People's Bank of China on February 10, and the special rectification work of personal credit business recently carried out by the regulatory authorities.
It is suggested to improve the restrictive clauses on the borrower's behavior in the personal loan business contract, focus on setting disciplinary measures for dishonest behaviors such as not using credit funds according to the agreed purposes, and fully explain and prompt the borrower; At the same time, strengthen the behavior management of bank employees, and actively carry out the investigation and warning education of employees' abnormal behavior.
We suggest standardizing the business cooperation with third-party intermediaries, strictly implementing the management requirements of the list system, clarifying the boundaries of intermediary business responsibilities, and strengthening the restraint and monitoring of intermediary behavior. Once an intermediary agency is found to be selling personal business loans to unqualified customers under the banner of a bank or assisting customers to forge loan information, it should immediately suspend business cooperation, promptly publicly condemn it, pursue its legal responsibility, and transfer relevant clues to the public security organs.
It is proposed to strengthen the reputation risk management of public opinion. If it is found that any institution or individual embezzles the name of the bank on the Internet or other channels, instructs to sell personal business loan products to unqualified customers, or assists customers in forging loan information, it should promptly clarify to the public in official website and transfer relevant clues to the public security organs.
In addition, the proposal proposes to conscientiously fulfill the requirements of the Beijing Banking Association's Self-discipline Convention on Personal Housing Loan Business, strengthen the due diligence of personal loan business, strictly implement differentiated housing credit policies, actively carry out financial consumer risk warnings, strengthen the publicity of personal business loan business and personal housing loan business policies, and focus on warning education on the serious consequences of taking and misappropriating bank credit funds.
The Beijing Banking Association said that the next step will continue to cooperate with the regulatory authorities to do a good job in the special rectification of personal credit business, study and formulate industrial disciplinary measures against illegal intermediaries and individuals, and ensure that all regulatory policy requirements are implemented.
According to another public report, on March 18, Shanghai Banking Insurance Regulatory Bureau will carry out a special inspection on personal housing credit management. At present, 135 commercial banks in Shanghai have completed the special self-inspection of individual housing credit management; 16 Up to now, the banking institutions under the jurisdiction of Guangzhou Branch of the People's Bank of China and Guangdong Banking Insurance Supervision Branch (excluding Shenzhen) have completed the self-inspection of personal business loans at ***450 1 bank outlets, and investigated personal business loans of 567.8 billion yuan and personal consumption loans of 21650,000 yuan, and found that the amount of problem loans suspected of illegally flowing into the real estate market was 277.