The ten prohibitions of CBRC's credit are: it is forbidden to use loans for personal gain; It is forbidden to issue holiday loans; It is forbidden to issue loans to customers with bad credit; It is forbidden to break up into parts to issue loans; It is forbidden to absorb deposits and issue loans outside the account; It is forbidden to handle credit business beyond authority; It is forbidden to handle credit business such as loans, bills and asset mortgages in violation of procedures; It is forbidden to compile false information to obtain credit; It is forbidden to borrow or deposit funds in violation of regulations.
Is the enterprise controlled by natural person a state-owned enterprise?
Enterprises controlled by natural persons are not state-owned enterprises.
1, because state-owned enterprises mean that the state has ownership or control over its capital, and the will and interests of the government determine the behavior of state-owned enterprises;
2. A sole proprietorship enterprise is a form of enterprise, which refers to an enterprise that is invested, operated, owned and controlled by an individual, bears operational risks and enjoys all operational benefits.
To sum up, the latest provisions of the CBRC's "Ten Prohibitions on Credit" include: it is forbidden to act as a fund broker for usury companies, microfinance companies, investors and customers in any form; It is strictly forbidden to apply for bank loans in the name of others or enterprises for use by companies or individuals other than borrowers; It is strictly forbidden to participate in the operation and management of enterprises in violation of state regulations and accept shares of borrowers or relatives.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 49
The business hours of commercial banks should be convenient for customers and announced. Commercial banks shall operate within the published business hours, and shall not stop business or shorten business hours without authorization.
Article 50
Commercial banks charge fees in accordance with regulations when handling business and providing services. The charging items and standards shall be formulated by the the State Council Banking Regulatory Authority and the People's Bank of China according to the division of responsibilities, respectively, in conjunction with the competent pricing department of the State Council.