Four banks involved in violations and improper charges were notified by the CBRC

2022-07-10 0 By

On March 24 (24), CBRC consumer Rights and Interests Protection Bureau issued a notice on typical cases of credit financing related fees, among which four banks, Postal Savings Bank, Ping An Bank, Shaoyang Zhaoyang Rural Commercial Bank and Xiangshan National Rural Bank were named for violations and improper charges.In 2019, PSBC Huaibei Branch handled 1,923 mortgage loans worth 632 million yuan.According to the investigation, 1,612 loans worth 417 million yuan were evaluated before the application was submitted, and the mortgage evaluation fee was borne by the borrowers themselves, accounting for 84% of the total.83 loans of 24.19 million yuan shall be evaluated on the application day or after, and the borrower shall bear the mortgage evaluation fee according to the standard terms of “Small-business Mortgage Contract of Maximum Amount” and “Personal Loan and Guarantee Contract for House Purchase and Car Purchase” provided by the branch.Relevant behaviors do not conform to the provisions of the Notice on Regulating the Management of Real Estate Mortgage Valuation Related to Bank credit Business and the Notice on Regulating the Irregular Operation of Banking financial Institutions.In August and September 2020, When Providing credit financing for small and micro enterprises, Haikou Branch of Ping An Bank agreed with enterprises in the loan confirmation clauses of liquidated damages for early repayment, involving 3 loans worth 1.324 million yuan.According to the supervision requirements, the branch clearly exempted retail loan products for business purposes of small and micro enterprises from prepayment penalty, but failed to revise the text of loan confirmation in time, resulting in improper agreement.Relevant behaviors do not conform to the provisions of notice on Further Standardizing credit financing charges to Reduce The Comprehensive cost of Enterprise Financing and Guidelines on Internal Control of Commercial Banks.From January 2019 to June 2020, Hunan Shaoyang Zhaoyang Rural Commercial Bank Baicang Branch issued 11 mortgage loans worth 2.8 million yuan.The borrower has gone through the mortgage registration procedures in the real estate registration center, and bears the real estate registration fee of 1820 yuan. The mortgage right is Shaoyang Zhaoyang Rural Commercial Bank.Relevant behaviors do not conform to the provisions of the Notice on The Rectification of Irregular Operation of Banking financial Institutions.Ningbo Xiangshan National Rural Bank has issued 1.03 million yuan of loans to 8 small and micro enterprises. The borrowing enterprises purchased 9 cases of borrower accident insurance in July 2020, with the Bank as the first beneficiary of the insurance and bearing 3,801 yuan of insurance premiums.The relevant behavior does not conform to the provisions of the Notice on Further regulating credit financing charges to Reduce the comprehensive cost of Enterprise financing.(after)