Banks in many places strictly inspect the inflow of business loans into the property market, why are

The reason why the state wants to carry out the corresponding business loans to prohibit the flow to the property market is because our country is currently a relatively strict country for the relevant property market control, in order to alleviate the economic pressure of most people and promote the normal development of our country's market economy, the state needs to effectively supervise the relevant real estate market. <>

For our country, the state has repeatedly emphasized that the house is used to live, not for speculation, so for the country to carry out an effective control of the real estate market, and for the real estate market, the most critical is the control of funds, so the state needs to have a very strict restriction on the relevant bank loans, can not let a large number of bank loans flow to the real estate market, if a large number of funds all flow to the real estate market, then it will definitely push the real estate ** up, This is very disadvantageous for the whole country, and at present, our country has invested a lot of resources in order to be able to carry out corresponding real estate control, if this time can not be timely to prohibit the flow of these financial loans to real estate, then the previous efforts will be wasted. <>

And the real estate industry is not only a unilateral economic problem, but also involves all aspects of our country, the real estate market is a comprehensive market, it involves all aspects of people's lives, so for our country, we must carry out corresponding control, for most of the real estate market, many places have very serious problems, the real estate market in some places often has large-scale fluctuations, which is very unfavorable to the construction of the entire national economy. <>

Therefore, the country is relatively effective in the local control, and for the whole country the real estate market is also an important pillar to support the economic development of our country, if the real estate market has large-scale fluctuations, then the impact on our country's economy is also very drastic, so the country in order to promote the steady and healthy development of the economy, must reflect strict supervision of the real estate market.

First of all, because the inflow of funds into the property market will cause a state of "one industry is prosperous and all industries are wasted", because the property market is a huge pool of funds. The funds that go in will not generate liquidity in the market, which will be a huge blow to the real industry.

Because the business loan once again triggered the behavior of property speculation, which led to the instability of the property market, resulting in the rigid need of people unable to buy a house.

Because after these non-performing loans flow into the property market, they may have an impact on housing prices and cause instability.

The main thing is to adhere to the policy of housing for living in, not for speculation, and to strangle some crooked and evil means in the cradle.

The penalties for individuals for the inflow of loan funds into the housing market are: First, the loan is collected in advance and all loans are required to be settled. The second is the doubling of interest. China's relevant laws and regulations stipulate that credit funds are misappropriated and flowed to the real estate sector: first, personal comprehensive consumer loans and operating loans.

down payment loans", credit card overdrafts and other funds were misappropriated for house purchases, and other bank credit funds were illegally misappropriated for the real estate sector. The second is through shadow banking.

Channels flow into the real estate market in violation of regulations. The third is M&A loans and operating property loans.

and other loans were not prudently managed, and the funds were misappropriated for the development of real estate. Fourth, through liquidity.

Credit, operating property credit, etc. to provide financing for real estate development projects.

Legal basis. Article 4 of the Notice of the General Office of the China Banking and Insurance Regulatory Commission on Carrying out Special Inspections on the Real Estate Business of Banking Institutions in 2019 stipulates that credit funds are misappropriated and flowed into the real estate sector: First, personal comprehensive consumer loans, operating loans, "down payment loans", credit card overdrafts and other funds are misappropriated for house purchases, and other bank credit funds are misappropriated for the real estate sector in violation of regulations.

Second, funds flowed into the real estate market through shadow banking channels in violation of regulations. Third, the management of loans such as M&A loans and operating property loans was not prudent, and the funds were misappropriated for the development of real estate. Fourth, it provides financing for real estate development projects through working capital credit and operating property credit.

Legal analysis: 1. Recover the loan, reduce the credit line, and investigate the corresponding legal responsibility. 2. Issues related to the illegal inflow of loans for business purposes into real estate should be regarded as an important part of all types of inspections, and strict accountability should be carried out in accordance with the law, joint disciplinary action should be strengthened, and information on administrative punishments related to enterprises and individuals' misappropriation of loans for business purposes should be promptly included in the credit reporting system.

Legal basis: The notice on preventing illegal inflow of loans for business purposes into the real estate field clearly states that when banking financial institutions sign a loan agreement with the borrower, they should sign a letter of commitment for the use of funds at the same time, making it clear that once it is found that the loan has been misappropriated to the real estate field, the loan will be withdrawn immediately, the credit line will be reduced, and the corresponding legal responsibility will be investigated.

Operating loans and working capital loans cannot flow into real estate projects. If it occurs, the local banking regulatory authority where the bank hosting the loan is located will conduct an investigation, and the bank that handles the loan and the personnel responsible for the loan processing and payment will be punished according to the situation, and the bank loan sponsor and main leaders will also face the punishment and punishment of the superior bank.

The reason why the state wants to carry out the corresponding business loans to prohibit the flow to the property market is because our country is currently a relatively strict country for the relevant property market control, in order to alleviate the economic pressure of most tourists, and to promote the normal development of our country's market economy, the state needs to effectively supervise the relevant real estate market.

For our country, the state has repeatedly emphasized that the house is used to live, not for speculation, so for the country to carry out an effective control of the real estate market, and for the real estate market, the most critical is the control of funds, so the state needs to have a very strict restriction on the relevant bank loans, can not let a large number of bank loans flow to the real estate market, if a large amount of funds all flow to the real estate market, then Tongmu will definitely put the real estate ** Constantly pushing up, this is very unfavorable for the whole country, and at present, our country has invested a lot of resources in order to be able to carry out corresponding real estate control, if this time can not be timely to prohibit these financial loans from flowing to real estate, then the previous efforts will be wasted.

And the real estate industry is not only a unilateral economic problem, but also involves all aspects of our country, the real estate market is a comprehensive market, it involves all aspects of people's lives, so for our country, we must carry out corresponding control, for most of the real estate market, many places have very serious problems, the real estate market in some places often has large-scale fluctuations, which is very unfavorable to the construction of the entire national economy.

Therefore, the national prudent wheel seller is relatively effective control of the corresponding place, and for the whole country the real estate market is also an important pillar to support the economic development of our country, if the real estate market has large-scale fluctuations, then the economic impact on our country is also very drastic, so the state in order to promote the steady and healthy development of the economy, must reflect strict supervision of the real estate market.

Xinhua News Agency reporter Li Yanxia.

Variety of means, new patterns! After several months of special inspections, the China Banking and Insurance Regulatory Commission (CBIRC) recently announced the investigation of the illegal flow of operating loans into the property market.

The illegal entry of business loans into the property market has always been an area of strict supervision. Behind the chaos under high pressure, there are multiple entities jointly promoted, but as the provider of credit funds, banking institutions cannot escape the blame.

After buying a house with the borrowed funds in full, apply for an operating loan to repay the state to buy the house; Transferring operating loan funds between multiple bank accounts to cover up the purpose of buying a house; Fabricating transaction backgrounds, fictitious loan purposes, ......Under the strict investigation of the regulatory authorities, some complex operating methods have surfaced, and the loopholes in the loan management of some banks have been exposed.

The "three checks" system of pre-loan investigation, loan review and post-loan inspection is an important guarantee for the safety of bank credit funds, but in reality, some banks do not follow the rules and regulations, resulting in frequent "failure" of the "barrier" of loan management. Some bankers said frankly that the pre-loan review to verify the qualifications of enterprises, timely tracking of business conditions during loans, and post-loan monitoring of capital flows, the credit management process is cumbersome, time-consuming and labor-intensive, so it is better to turn a blind eye, not to offend customers, but also to complete the performance appraisal and earn interest income.

The "wishful thinking" that seems to kill two birds with one stone may eventually bring about the accumulation of credit risks and the "failure" of the country's macro-control policies.

Finance is the lifeblood of the national economy. Today's loan structure means tomorrow's economic structure. **The chronic problem of illegal entry of credit funds into the property market requires the joint efforts of all parties, especially the "real action" of banks.

For a loan, whether it is a real review chain or a formality, whether to "release" with a blind eye or not to let go of any suspicious clues, I believe that the bank itself knows best.