乐8网彩票

銀監會嚴查消費貸款流入房地產

瀏覽:318次  發布日期:2017-12-09  字號:  
  經濟日報-中國經濟網北京10月25日訊 記者郭子源從中國銀監會獲悉:根據國務院“嚴格管控各類資金違規進入房地產市場”的指示精神,銀監會已就加強消費信貸監管專門作出批示、部署,各派出機構已開展行動,從開展風險排查、加強規范管理、加大監管問責三方面入手,嚴查個人消費貸款違規流入房地產市場。
 
  多位業內人士介紹,發展個人消費貸款的初衷,是在當前擴內需、促消費的背景下,更好地發揮消費拉動經濟增長作用,同時滿足個人消費者的金融服務需求。
 
  近年來,商業銀行、消費金融公司、互聯網金融公司等諸多機構紛紛涉足上述領域,個人消費貸款業務進入高速發展期,但也面臨“成長的煩惱”,其中,資金用途有待規范這一問題最為突出,部分資金甚至違規流入房地產市場。
 
  “金融機構發放個人消費貸款時,已在合同中明確約定資金用途,不能進入樓市、股市。”某國有銀行個人金融業務部相關負責人說,但在實際操作中,銀行將資金打入借款人指定賬戶后,某些借款人將資金在親戚、朋友的多個賬戶間多次轉賬,最終將其投向房地產市場,規避監管要求。
 
  為此,銀監會此次開出三劑藥方:開展風險排查、加強規范管理、加大監管問責。
 
  “目前,各地銀監局已針對個人消費貸款資金流向開展排查,重點關注高風險特征,如借款人或其配偶短期內辦理多筆貸款、貸款發放后資金迅速回流、收入證明金額異常等。”銀監會相關負責人說。
 
  其中,北京的排查重點是“房抵貸”——以房地產作抵押的個人消費貸款;廣西重點關注超過50萬元的信用貸款、超過100萬元的抵押貸款、超過30萬元的信用卡分期付款,金融機構需將以上貸款的資金用途逐筆報告給監管部門。
 
  從強規范管理的情況看,福建、深圳、廣西、江蘇、內蒙古銀監局已陸續出臺多項監管政策,重申監管要求。其中,廣東銀監局明確要求,轄內金融機構原則上不發放金額超過100萬元或期限超過10年的個人消費貸款,福建的個別銀行已將個人消費貸款的自助提款額度由30萬元降至20萬元。
 
  除了風險排查、規范管理,“強問責”也成為此次監管的突出特點。“針對個人消費貸款用于購房首付的行為,江蘇、上海、福建、重慶銀監局已對相關金融機構采取了行政處罰措施,部分銀行也已收回、處理了違規挪用資金。”銀監會上述負責人說。
收縮
  • QQ咨詢

  • 楚11231231泰建設集團
  • 楚11231231泰建設集團
  • 電話咨詢

  • 0710-3722766
乐8网彩票
<menu id="usaiy"><code id="usaiy"></code></menu>
<menu id="usaiy"></menu>
<input id="usaiy"><tt id="usaiy"></tt></input>
<menu id="usaiy"></menu><input id="usaiy"><tt id="usaiy"></tt></input>
<nav id="usaiy"><tt id="usaiy"></tt></nav>
www.63877a.com | 992222m.com | 61655.com | www.138cpg.com | www.960206.com | 234905.com | 8036r.com | www.yy1234.com | www.255811.com | douguo.com | www.qmc0088.com | www.922069.com | 7773805.com | www.10999v.com | www.78949v.com | 22556p.com | www.12136l.com | 2820e.com | www.h7788q.com | www.50024y.com | 23300c.com | www.7111e.com | www.374311.com | 2844x.com | www.23819.am | 3066aa.com | www.2846e.com | www.37676.cc | 4340m.com | www.983888d.com | www.338081.com | 111122bb.com | www.50074f.com | 3775j.com | www.7334a.com | cj807.com | www.4625g.com | www.763287.com | dzc222.com | www.3w25.com | 12772266.com | www.272875.com | www.33997y.com | 4288r.com | www.0088hgdd.com | 55309.com | www.v56789.com | www.268221.com | www.j4737.com | www.7782u.com | 85698q.com | www.184088.com | 55967h.com | www.4996dt.com | 998c.cc | www.m15595.com | www.006150.com | www.0885k.com | www.389244.com | www.7025v.com | www.082707.com | www.z32126.cc | www.580671.com | www.hg9222.com | www.530 | hg91558.com | www.2408b.com | 3379aa.com | www.022nx.cc | www.7435i.com | www.c1669.com | hg71710.com | www.fei27.com | 5295l.com | www.ya848.com | www.333hwx.com | www.808712.com | 005495.com | www.986jc.com | www.hg618.com | www.957588.com | www.93480.com | xinshijiylc6.com | www.4694w.com | 1654v.com | www.bwinyz37.com | 4060kk.com | www.flb901.com | pj88pp.com | www.68993221.com | 11005q.com | www.08182.com | 159666p.com | www.95.la | www.hu888.com | www.756764.com | www.k38008.com | ttdl4008123.com | www.rgcp.vip | 30019rr.com | www.y8817.com | js8501.com | www.3978s.com | 68348.com | www.ck5568.com | www.ld4488.com | 32689.co | www.678js888.com | am778.cc | www.3478z.cc | www.365109c.com | www.548911.com | www.12qz3.com | 7141xx.com | www.73990q.com | 3559oo.com | www.49956q.com | www.67797v.com | 3y4400.com | www.n80288.com | k60111.com | www.3126l.com | www.998855j.com | www.66026.cc | 2019h.cc | www.217650.com | zz7742.com | www.55676l.com | 7744bbb.com | www.186972.com | www.yl00444.com | www.9999bj.com | wfcp444333.com | www.c1636.com | www.93818.com | tz1555.com | www.454507.com | bet99336.com | 2016.com | www.4996cz.com | 8577j.cc | www.43131f.com | www.c155b.com | 3405w.com | www.758786.com | www.55526y.com | xl15.net | www.101125.com | www.pjgw11.com | zhcpxx.com | caijianju.cc | www.yh68073.com | www.hjha77.com | 2997772.com | www.97jsc.com | ag6676.com | 4136e.com | www.87668w.com | 3245f.com | www.lpj2222.com | 9646k.com | www.5441z.com | www.76775b.com | 8977uu.com | www.385626.com | www.377666g.com | www.398.am | 8547qq.com | www.61524s.com | www.8799.cc | hb9038.com | www.390006.com | www.h83377.com | 023932.com | 933620.com | www.22fzc.com | www.www904744.com | 84494411.com | zl58.com | www.blr4444.com | www.pj8819.com | app22299.com | www.gczj7.com | www.r8877.com | feicai0470.com | 38345f.com | www.0601d.com | www.xiniguoji.com | 2535app.com | 8128522.com | www.832795.com | www.99552tt.com | www.3844qq.com | pj00rr.com | stsvip9.com | www.50051w.com | www.661559.com | www.7435j.com | 8538x.com | 7570.am | www.4323v.com | www.wn2888.com | 6594gg.com | s01234.com | www.916025.com | www.hbet95.com | www.789025.com | 6245y.com | 5906rr.com | www.788257.com | www.99094b.com | www.549009.com | www.ds22222.com | 2214ll.com | mtkpy.pw | www.288hc.com | www.jsdc9111.com | www.fbs33.com | www.xhtd0011.com | a7742.com | www.n5522.com | www.rf0388.com | 3661yh.com | 15222.com | www.hx8866.com | www.89599n.com | www.hgw0088.com | 8957b.com | 7726014.com | www.623660.com | www.773560.com | www.hjcp66.com | www.40818e.com | 4340y.com | hg57570.com | 6hcc99.com | www.7793d.com | www.12136r.com | www.330zr.com | 666c96.com | am0808.cc | www.498166.com | www.42456633.com | 22207a.com | www.l7793.com | www.76543r.com | 6766vv.com | 01234ggcom | 4066bb.com | www.003895.com | www.c6569.com | www.40wb.top | www.js79900.com | www.am98880.com | www.09569b.com | hg168y.com | 80368ff.com | 111122ee.com | 91590.com | www.602983.com | www.6613611.com | www.88325l.com | www.989405.com | www.412666.com | www.3643n.com | www.4123uu.com | 3844j.com | 80892vv.com | 0245j.com | 6594yy.com | c558.cc | 86wns88.com | www.375477.com | www.912452.com | www.3933n.cc | www.91junzi.com | www.ii4625.com | www.huangma28.com | www.79500c.com | www.3189001.com | www.23427f.com | 1wns.com | df8m.com | 61323377.com | 38820011.com | 3566ss.com | 3806.com | 66287y.com | rf037.com | 20188t.com | hg57570.com | 228888e.com | bb888877.com | vip.city78.cn | 730555e.com | www.680358.com | www.575hc.com | www.3478k.cc | www.le05.com | www.c5986.com | www.c137.vip | www.807835.com | www.791397.com | www.557032.com | www.399010.com | www.110879.com | www.529121.com | www.308908.com | www.564658.com | www.332902.com | www.77210e.com | 08530006.com | 88993u.com | 320006.com | 4107b.com | tt888g.com | 93922e.com | 2490j.com | 55899w.com | 027056.com | zz38648.cc | www.www--97828.com | www.44447837.com | www.77333.com | www.42msxfpt5.com | www.777jyh.com | www.40288e.com | www.bd2019b.com | www.52303z.com | www.hy5504.com | www.514177.com | 2247j.com | am2982.com | 9949i.com | 33567v.com | 55818e.com | www.36536509.com | www.mic999.com | www.957938.com | www.6687y.com | www.790611.com | www.99yfa.com | www.399146.com | 33567u.com | hg999333h.com | YLHG5858.com | 2355f.com | www.588778.com | www.990888a.com | www.3066xx.com | www.89777p.com | www.sytg8.com | www.109026.com | 19880.com | m15666.com | yk105.com | www.54146666.com | www.fh7.com | www.916633.com | www.87668r.com | www.599476.com | 3136.com | 6487ppp.com | 272t.net | www.60168b.com | www.9b008.com | www.8d878.com | www.810523.com | 5001e.com | 446082.com | 06064688.com | www.775412.com | www.n7764.com | www.550022.com | www.ch8966.com | 5002r.com | 4196r.com | www.g6tk.com | www.443447.com | www.988jyh.com | www.66332g.com | www.21202ii.com | 159666b.com | 8003aa.com | www.pj444222.com | www.mm6666.com | www.5446e.com | www.930557.com | 353458.com | 888jxf.com | www.pj990.com | www.1011777.com |