The CBRC Issued A Risk Warning &Nbsp For All Loans; Banks Need To Build An Early Warning Firewall.

The China Banking Regulatory Commission recently issued a risk warning for everyone in the banking sector.

In the context of tight bank credit, everyone loan intermediary company has been developing rapidly.

Such intermediary companies collect information from borrowers and lenders, evaluate the borrowers' property, cars and other mortgages, and collect intermediary services fees.

Judging from the current operation of such companies, there are a lot of potential risks.

The notice issued by the office of the CBRC on the risk warning for everyone lending requires that banking financial institutions must establish a firewall between everyone and loan intermediary companies.

We must strictly prevent everyone lending intermediary companies from helping the lenders obtain funds from the banks for private lending, so as to prevent the risk of private lending from spreading to the banking system.

At the same time, we should strengthen the management of bank employees and prevent them from being prevented.

In addition, the banking financial institutions should strengthen communication with the business administration departments, and the businessmen should strictly investigate and punish the improper publicity acts such as "loan supermarket" and "Finance Companies".

The CBRC pointed out that there are seven major problems and risks in the loan intermediation service, namely, the impact of macroeconomic regulation and control, the easy evolution of illegal financial institutions and the difficult control of business risks.

Under the background of tight control policies in real estate industry and the "two high one surplus" industry, private capital may flow into restrictive industries through all lending intermediaries.

The threshold of the industry is low, and there is no strong external supervision. The intermediaries of all loans may break through the bottom line of funds not entering the accounts, turn into illegal financial institutions that absorb deposits and loans, and even become illegal fund-raising.

The characteristics of Internet loan pactions make it face huge risk of information technology.

At the same time, such intermediary companies can not log on to the credit information system like banks to understand the borrowers' creditworthiness and make effective loans.

False publicity affects the overall reputation of the banking system.

At present, the relevant legislation in China is not complete, the limits of its regulatory responsibilities are not clear, and the nature of everyone's loan is also lacking a clear definition of laws and regulations.

Foreign practice shows that the credit risk of this model is high, and the quality of loans is far inferior to that of ordinary banking financial institutions.

Everyone loan company develops real estate two times