Nanjing Intermediate People's Court released a financial white paper to comprehensively promote the diversified resolution of financial disputes

On June 14, the Nanjing Intermediate People's Court held a press conference to inform the financial trial work of the Nanjing Court, and released the financial white paper and typical cases of the Nanjing Court.

Jiangnan Times reporters learned from the meeting that from 2019 to 2021, the city's courts accepted 126,880 financial cases such as financial borrowing, guarantee, bills, securities, futures, insurance, and private loans, and 126,488 were concluded, an increase of 44.89%and year -on -year, respectively. 53.03%. The quality and efficiency of trials have steadily improved. In 2021, the city's financial strip line was 95.17%of the first instance. The first instance judgment was renamed and the review rate fell from 1.01%in 2019 to 0.64%in 2021. The average of financial lending cases The number of days of trial fell from 88.18 days in 2019 to 48.9 days in 2021, which is far lower than the 120 days at the forefront of the world's bank business environment.

Improve the diversified solution mechanism of financial disputes

Since 2019, the city's courts have closely focused on the three major tasks of "serving the real economy, preventing and controlling financial risks, and deepening financial reform", fulfilled the financial trial functions in accordance with the law, deepened the reform of the financial trial mechanism, strengthened the professional construction of financial trials, and made every effort to build a high level Financial trials to ensure the high -quality development of Nanjing.

Improve and improve the diversified solution mechanism of financial disputes. As a pilot unit of the multi -resolution mechanism of securities and futures disputes in the country, take the lead in hiring the SMB SME Service Center Co., Ltd., Jiangsu Securities Industry Association, and China Securities Investor Protection Fund Co., Ltd. 826, 376 mediation, and a total of more than 1,800 million yuan in litigation bids. Jointly issued the "Implementation Opinions on the Construction of the Construction of the Multiple Resolution Mechanism of the Nanjing Region in Nanjing" with the Nanjing Camp Management Department of the People's Bank of China, set up a financial dispute mediation studio in the city's courts, and establish a one -stop "complaint acceptance+mediation+correction" one stop. Financial dispute service platform, as of the end of 2021, the city's courts had commissioned a total of 639 cases to mediate the case, the mediation was 155 successful, the success rate was 24.26%, and the judicial confirmation was 12, which saved the cost of millions of yuan in lawsuit costs for the parties. Essence

Diversification of financial activities participating in the subject

In recent years, the following characteristics of Nanjing financial lending cases have been presented:

The number of financial borrowing contract disputes and the number of private lending cases still operate high. From 2019 to 2021, the number of cases with a large number of financial lending cases in the first instance of the city's courts are private lending disputes, financial loan contract disputes, bank card disputes, insurance disputes, false statement of securities false statement, and financial lease contract disputes. 93.63%of the total number of financial lending cases in the first instance.

The financial borrowing contract disputes and the large -scale cases of the financial borrowing contract and the case of commercial acceptance bill disputes showed an upward trend. From 2019 to 2021, the financial borrowing contract disputes of more than 50 million yuan accepted by the city's courts increased year -on -year.

The number of cases of false responsibility for securities declined. Nanjing Intermediate Court concentratedly governed the province's false statement of securities in the province. Such cases have maintained a 30%growth trend per year in previous years. However, from 2019 to 2021, in the case of increasing the increasing increasing listed companies (mainly foreign cities), the number of cases of cases in such cases declined year by year.

The diversified trend of financial activities participating in the subject is obvious. At present, there are many types of subjects participating in financial lawsuits as participants in the lawsuit and showing a diversified trend. For example, the interests of the online loan platform are diverse. The online loan platform involves many personnel, including the platform party, investors, and borrowers, and some of them will involve guarantee institutions, and the amount of funds is large.

The regional distribution of financial disputes involved in banks. The bank -related financial dispute cases are mainly financial borrowing contracts and bank card disputes. Four courts including Xuanwu District, Qinhuai District, Jianye District, Gulou District Court, which are relatively large in banking institutions have accepted more than 50%of the city's total.

Financial institutions should enhance compliance awareness

Promoting the high -quality development of the financial industry is a systematic project that requires the joint efforts of judicial organs, public, financial institutions, industry associations, and regulators. In response to the problems reflected in financial cases, the white paper puts forward several suggestions:

The public should establish a scientific and rational view of liabilities, consumption, and wealth management, and avoid unique consumption and over -liabilities; choose regular institutions to handle financial services such as loans; reasonably play the consumer support role of consumer credit products, and do not give credit cards and small small small cards, small small cards, small small small cards, small small cards, small small cards, small small cards, small small cards, small small cards, small small cards, small small cards, small small cards and small small credit cards. Consumer credit funds such as credit credit are used to purchase non -consumer areas such as real estate, stock trading, wealth management, and other loans.

The white paper recommends that financial institutions should enhance their awareness of compliance, improve the appropriate system of investors, and improve the test system of investor risk tolerance. Especially in the process of Internet finance exhibitions, we must establish unified online services as soon as possible, build online sales evidence retaining and traceability systems to ensure the security of financial consumer information. It is necessary to strengthen risk awareness, systematically sort out risk nodes such as pre -loan review, loan approval, and post -loan supervision, and improve the risk monitoring and early warning and early intervention mechanism. It is necessary to implement relevant national policies, strengthen social responsibility, help inclusive finance, and increase financing for SMEs.

The white paper recommends that the regulatory authorities have comprehensively strengthened financial supervision, standardize financial innovation behaviors, explore and build a risk -oriented regulatory system, and guide financial institutions to operate compliantly in accordance with laws.It is necessary to comprehensively use a variety of means to form financial risk prevention and control.Strengthen the coordination of connectivity, build a big data platform for financial information, and form a co -governance co -governance for judicial and financial supervision and industry autonomy.Improve the market credit assessment system, credit information disclosure system, market credit supervision system, trustworthy incentives and disciplinary punishment systems, unblocking channels for the protection of the rights and interests of financial consumer rights, and promoting the construction of financial consumer rights protection system and mechanism.(Reporter Qian Haiying, a trainee reporter Zhang Jian)

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