Ping An Bank Xiamen Branch was fined 2 million online loans for new regulations for "joint loan"

[Dahecai Cube News] On June 21, the Xiamen Banking Insurance Regulatory Bureau recently announced the administrative penalty for the Xiamen Branch of Ping An Bank.

The ticket shows that Ping An Bank Xiamen Branch has not worked due to a pre -loan investigation and issues a housing mortgage loan to a borrower who does not meet the conditions; the loan is not in place, and some personal consumer loans and personal business loans are misappropriated in the purchase of houses and other restricted areas; Internet loans jointly issued with individual Internet companies do not meet regulatory requirements. Therefore, the Xiamen Banking Insurance Regulatory Bureau fined 2 million yuan in the Xiamen Branch of Ping An Bank, and at the same time warned three parties.

It is worth noting that in recent years, supervision has increased its rectification of Internet loans. On July 17, 2020, the China Banking and Insurance Regulatory Commission issued the "Interim Measures for the Management of Internet Loans in Commercial Bank" (hereinafter referred to as the "Measures") to formulate a series of measures for the healthy development of Internet loans and give a two -year rectification transition period, that is, to 7 this year 7 this year On the 17th.

On February 19, 2021, the CBRC issued the "Notice of Further Regulating the Internet Loan Business of Commercial Bank" (hereinafter referred to as the "Notice"). Refined on the basis of the original Internet loan management measures.

Among them, Article 6 of the "Notice" pointed out the provisions of the two items implemented on January 1 this year, namely: Article 2 strengthen the management of the proportion of capital contribution, and the proportion of cooperatives in a single loan shall not be less than 30%and 5 strictly strictly. Controlling cross -regional operations, local legal person banks shall not conduct Internet loan business across regions.

Responsible editor: Shi Jian | Audit: Li Zhen | Director: Wan Junwei

- END -