Abstract It is a big problem for banks to be sloppy, and I hope that thousands of tickets will make banks clear! Bank violations According to media statistics, as of August, the banking supervision system has issued more than 1,000 tickets, single penalties
It is a big problem for banks to be sloppy, and I hope that thousands of tickets will make banks clear! Bank violations According to media statistics, as of August, the banking supervisory system has issued more than 1,000 tickets and a single ticket of up to 16.7 million yuan. Two-thirds of the tickets are related to credit business, such as the change of credit funds and the illegal distribution of individual housing. Loans, etc. The targets of punishment include not only state-owned banks, stock exchanges, city commercial banks, foreign-funded banks, but also non-bank institutions such as trust companies and financial leasing companies.
The credit business has become the most fined variety. Apart from the most relevant credit business, it is easy to be interfered with by human factors, easy to manipulate and the short-term interests of banks in the process of handling credit business. For example, more than two-thirds of the new loans that appeared in the second half of last year came from personal mortgages. If it is not man-made and artificially controlled, it is impossible for such a phenomenon. At least, the ratio will not be so high.
The problem is that financial institutions, for the sake of immediate interests and for political achievements, mostly ignore the safety of funds and ignore risk prevention. The so-called change in the use of credit funds, to a large extent, is also the use of loans that should be used to support the development of the real economy, into real estate development loans, personal housing loans. For example, Shenzhen Rural Commercial Bank received a fine of 200,000 yuan for “granting real estate development loans to enterprises with unrealistic project capital and non-compliance.â€
Since the relevant parties are supervising financial institutions, they only supervise the behavior of relevant financial institutions in specific business operations, and do not set guiding indicators such as the proportion of new loans to the real economy. Otherwise, the problem will be more serious.
In fact, from the perspective of the behavior of financial institutions in terms of credit funds in recent years, although they have also made commitments such as supporting the development of the real economy, and even set up services and specialized agencies for the real economy, especially small and medium-sized enterprises. However, there are not many financial institutions that can truly provide real financial services to the real economy. Otherwise, there will be no phenomenon that new loans are supported by personal housing loans.
Supporting the real economy is reasonable. In the case that the real economy has been seriously trapped by funds, financial institutions should fully recognize the importance of supporting the real economy and recognize what should be done for the real economy. However, most financial institutions are still only satisfied with the immediate interests, satisfied with the momentary gains and losses, and did not put the support of the real economy in an important position. In more cases, just shouting verbally, the meeting said, the document was placed on the pendulum. Really need action, or real estate, urban infrastructure construction, or a few large enterprises.
Many people are questioning why so many currencies have been put in the financial crisis, but the real economy still has serious problems of financing and financing. A very important reason is that the flow efficiency of funds is greatly reduced. A considerable part of the funds are deposited on reinforced concrete, and the turnover efficiency is extremely low. On the contrary, if funds flow to the real economy, the efficiency of capital turnover can be greatly improved. Even if the risk is bigger, it can be solved with the improvement of capital turnover efficiency. And precipitation on reinforced concrete, once the risk occurs, is the real risk, is the risk of not being able to digest through the financial institutions themselves.
The regulatory authorities can increase penalties for violations by financial institutions, and it should be said that an important step has been taken to re-supervise. However, what I hope to see is that regulators can take a positive step in how to urge financial institutions to support the real economy. They can “punish†the real economic awareness of financial institutions and enable financial institutions to truly focus on supporting the real economy. development of. Bank risks can be resolved, and the quality of banks' assets can be improved. The most fundamental thing is to rely on the real economy, including tens of thousands of small and medium-sized enterprises. Support for the non-real economy has reached a very high level, and it is enough to meet the development needs of the non-real economy through reasonable structural adjustment. The new funds should be turned to the real economy. Only by turning to the real economy, can it continue to increase new sources of funding and generate new wealth. In the non-real economy sector such as real estate, the contribution to wealth cannot be compared with the real economy.
At present, the real estate market is gradually entering a stable and orderly track, and the “credit dividend†of the real estate industry is gradually disappearing. If there is a steady decline in housing prices, then the “credit bonus†of the real estate industry is very likely to be converted into “credit riskâ€. Then, financial institutions that pin their hopes on the real estate industry may face greater risks than loans to the real economy. In this case, why not adjust the credit concept as soon as possible, put the supporting real economy in the prominent position of financial institutions, and find a new space for risk prevention and benefit growth in supporting the real economy.
It is precisely because of this that we expect regulators to be able to change the penalties, from penalties for specific violations to enforcement of central decision-making. If the real economy is supported, if the requirements of the central government are not met, the relevant financial institutions will be punished to ensure that the financial institutions can strictly follow the requirements of the central government. Otherwise, how can we reflect the smooth flow of government decrees and how to ensure the smooth flow of government decrees.
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