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@ Everyone! The situation is grim! Your loan may not come!

Time: 2017-10-10         Source: China Securities Journal         Author: Chen Yingying

China Securities News reporter recently learned that the regulatory authorities have started for personal consumption loans and operating loans to illegal access to the real estate market and other chaos investigation and combat. Guangdong and other places to establish a personal consumer loan business monthly monitoring mechanism, requiring commercial banks since October 2017 submitted personal consumer loans monthly monitoring information.

Before the National Day holiday, the CBRC prudent supervision of the Secretary Xiao Yuan has said, to crack down on "down payment", strict misappropriation of consumer loans to prevent the risk of real estate bubble.

Reporters learned that the current individual banks have suspended the loan business of personal loans. In addition, a number of banks require personal consumption loans, credit card cash loans and other stock customers to supplement the funds consumption vouchers, etc., for re-verification.

Supervise the frequent fines

Experts and brokerage analysts pointed out that the residents of short-term loans are mainly consumer credit, consumer credit performance in the strong, August consumer growth is showing a downward trend, the main reason may be part of the consumer loans were eventually used to purchase.

Guangdong, Shanghai, Zhejiang, Jiangxi and other places of the banking sector on the China Securities Journal reporter said that this year, some areas and financial institutions, personal consumption loans rapid growth, which individual large amount, the longer period of consumer loans is clearly with the daily consumption Attribute mismatch, there is the risk of credit funds being diverted into the real estate market.

In this regard, regulators require a comprehensive investigation of various risks, for the real estate bubble risk to carry out special investigation, find out the bottom number, so I have a few chest. China Banking Regulatory Commission announced in mid to late ten months of administrative penalties, due to personal loans to misappropriation of the bank was punished a few. Such as the Zhejiang Banking Regulatory Bureau of China Postal Savings Bank Hangzhou Branch to make a fine of 650,000 yuan of administrative penalties decided to disclose the main illegal facts (case) is "personal consumption loans diverted to purchase" and so on; Hainan Banking Regulatory Bureau On the Haikou Rural Commercial Bank to make a series of administrative penalties, the main illegal facts (case) is "after the issuance of personal loans did not take an effective way to track the use of funds to carry out follow-up inspection and regulatory analysis of the borrower breach of contract agreed behavior should be found Not found".

Experts and broker analysts expect personal consumption and other business structure and growth rate, the regulatory authorities will be the next verification focus.

Individual banks to suspend loan

A number of bankers told China Securities Journal reporter that this year, in the state-owned enterprises, local financing platform and other public loan policy to tighten the background, the commercial banks will credit resources to personal loans, retail loans and other fields. Especially for civil servants, enterprises and institutions and other groups of individuals on consumer loans, personal credit loans, credit card cash loans, etc. become the focus of competition for banks.

"Now basically after the submission of information, a week will be credited to the account.Now not only the consumption rate floating, lending time is also lengthened.Currently we give the interest rate is the benchmark interest rate floating 50%, more than 300,000 can only go Entrusted to pay. "A national joint-stock bank responsible person said.

Beijing City, a city firm told reporters, "the current consumer loan claims are still doing, but the basic suspension of loans, the head office does not give the amount we can not do." The bank had personal credit products can be credit to 1 million, but in the Regulators have issued a thorough investigation of the requirements of consumer loans, the head office immediately tightened the spending of local branches of the amount of credit.

China Securities Journal reporter learned that most of the current commercial banks are on the stock and incremental personal consumption loans, credit loans and other re-verification and adjustment: has been issued, not pay off the loan, asked to pay consumer certification materials (invoice , Invoices, transfer vouchers and the like), and after the loan back visit; for re-verification found doubt and the problem of stock loans, the bank will immediately carry out credit, penalty interest and so on. The banking industry admits that it is almost impossible to fully identify the true intentions of the lender or to fully control the flow of funds after the loan. "Unless the loan customers directly from their own loan accounts will be funds transfer, credit card to a developer's account, or as a bank, it is difficult to identify the customer as long as the funds taken, this capital chain is basically broken. Not to mention there are special companies to help loan customers Tengnuo funds, they are too familiar with the bank's process, to avoid a lot of ways.

Be wary of highly leveraged residents

During the National Day, China Securities Journal reporter interviewed Jiangxi, Hainan, Shaanxi and other places of the banking industry found that despite the layers of regulatory policies, but the bank's credit business is still not deserted, reflecting the strong demand of the people.

Many banks insiders admitted that "personal consumption loans, credit credit is generally the amount of 300,000 to 500,000 yuan, the money in Beijing, Shanghai, such first-tier cities to buy a house can be said to be a drop in the bucket, but in many two, three Line city can pay a set of even a few sets of houses down payment.

Yi Ju Real Estate Research Institute research report shows that the country has a number of areas of abnormal growth in consumer loans, including Guangdong, Fujian, Jiangsu, Shanghai, Sichuan, Hebei and other regions monthly personal consumption loans since May has risen significantly. According to its estimated 370 billion yuan to add abnormal short-term consumer loans, Jiucheng new abnormal loans appear in the above areas.

Hai Tong Securities chief economist Jiang Chao recently said that the three years of Chinese residents added 20 trillion levers, the total debt of the residents sector has reached 42 trillion, the proportion of residents accounted for more than 90% of the income of residents.

China National Academy of Social Sciences, the National Finance and Development Laboratory, the National Balance Sheet Research Center recently released the "second quarter of China's deleveraging process report" pointed out that the need to be alert to short-term consumer credit or into a mortgage risk. As the nature of consumer loans and mortgage loans are different, the interest rate and risk are correspondingly larger than the mortgage loans, many consumer credit is through the provision of cash loans to users in the form of delivery, especially the Internet financial platform to provide unsecured, Mortgage of credit, to enlarge the probability of possible future default, the resulting potential risks should be caused by the regulatory authorities enough attention.

CITIC Securities analyst Zhang Licong pointed out that since September, Beijing, Jiangsu, Shenzhen, Guangzhou and other regulatory authorities have issued a document requiring thorough investigation of consumer loans, the next consumer credit will be the focus of remediation, will lead to real estate market short-term inflow of funds to reduce. More importantly, the long term, the residents sector to continue to increase the space is not big. China's residents sector leverage has experienced rapid growth has reached a higher level, the residents continue to increase the difficulty of the larger lever.

Xiao Yuanqi previously stressed that the bank to develop consumer credit business must be standardized operation, a comprehensive assessment of the ability of consumers to repay, not for business and push up debt leverage, but can not contribute to the real estate bubble.

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