On March 24, the consumer rights and Interests Protection Bureau of the China Banking and Insurance Regulatory Commission issued a circular on typical cases of fees related to credit financing, in which Postal Savings Bank Of China Co.Ltd(601658) , Ping An Bank Co.Ltd(000001) , Shaoyang Zhaoyang rural commercial bank and Xiangshan Guomin village bank were named due to violations and improper charges.
I. Postal Savings Bank Of China Co.Ltd(601658) use the market advantage to pass on the mortgage evaluation fee
In 2019, Postal Savings Bank Of China Co.Ltd(601658) Huaibei branch handled 1923 mortgage loans of 632 million yuan. According to the investigation, the mortgage assessment of 1612 loan businesses with 417 million yuan was completed before the application was submitted, and the mortgage assessment fee was borne by the borrower, and the proportion of pre assessment was as high as 84%. The mortgage evaluation of 83 loan businesses with 24.19 million yuan shall be completed on or after the application date. According to the standard terms of the maximum mortgage contract for small enterprises and the loan and guarantee contract for individual house purchase and car purchase provided by the branch, the borrower shall bear the mortgage evaluation fee. The relevant behaviors do not comply with the provisions of the notice on regulating the management of real estate mortgage valuation related to bank credit business and the notice on rectifying the non-standard operation of banking financial institutions.
II. Ping An Bank Co.Ltd(000001) violates the provisions and agrees to prepay liquidated damages with small and micro enterprises
In August and September 2020, Ping An Bank Co.Ltd(000001) Haikou Branch agreed with the enterprise on the terms of liquidated damages for prepayment in the loan confirmation when providing credit financing for small and micro enterprises, involving three loans of 1.324 million yuan. After investigation, the branch made it clear in accordance with the regulatory requirements that it was exempt from the liquidated damages for prepayment of retail loan products for business purposes of small and micro enterprises, but it did not revise the text of the loan confirmation in time, resulting in improper agreement. Relevant behaviors do not comply with the provisions of the notice on further standardizing credit financing charges and reducing comprehensive financing costs of enterprises and the guidelines on internal control of commercial banks.
III. transfer mortgage registration fee of Shaoyang Zhaoyang Rural Commercial Bank
From January 2019 to June 2020, baicang branch of Hunan Shaoyang Zhaoyang rural commercial bank issued 11 mortgages of 2.8 million yuan. The borrower has gone through the mortgage registration formalities in the real estate registration center and borne the real estate registration fee of 1820 yuan. The mortgagee is Shaoyang Zhaoyang rural commercial bank. The relevant acts do not comply with the provisions of the notice on rectifying the non-standard operation of banking financial institutions.
IV. Xiangshan National Village bank did not bear the accident insurance premium of small and micro enterprise borrowers
Ningbo Xiangshan National Village bank granted a loan of 1.03 million yuan to 8 small and micro enterprises. The borrowing enterprise purchased 9 accident insurance of the borrower in July 2020, took the bank as the first beneficiary of the insurance and assumed a premium of 3801 yuan. Relevant behaviors do not comply with the provisions of the notice on further standardizing credit financing charges and reducing comprehensive financing costs of enterprises.
\u3000\u3000
