Suzhou'S Three Bank Governor Is Also Concerned About Spinning Enterprises.

< p > because of the serious bribery case, the governor of three commercial banks in Wujiang District of Suzhou was also investigated, and several other bank governors were interviewed by local procuratorial organs.

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< p > according to the local media in Suzhou, Wujiang district has investigated and dealt with three commercial bank governors. At present, three people have been arrested by the procuratorial organs, and the relevant cases are under further investigation.

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< p > to verify the above statement to the involved bank, it has been confirmed that three branches of Wujiang branch, such as China Merchants Bank, were arrested.

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< p > according to sources, the liquidity of banks has been tense for some time, leading to a concentrated exposure of the issue of illegal lending, involving collusion between bank governors and small loan companies for private lending.

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< p > it is reported that the banks involved have reported to the Jiangsu banking regulatory bureau. In twenty-first Century, the bank called the Jiangsu Banking Regulatory Bureau on the matter. However, the Jiangsu banking regulatory bureau did not respond to the question of twenty-first Century.

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< p > the Suzhou people's Procuratorate told the network in twenty-first Century that the case is still in the reconnaissance stage, and that the case should not be announced before the prosecution.

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< p > recently, the internal staff of three banks such as China Merchants Bank and Wujiang branch found that their former branch governor had mysteriously disappeared a month ago, and the mobile phone was no longer available.

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< p > one stone stirred up thousands of waves, and the news of "three Wujiang presidents at the same time collapsed" on suspicion of "serious bribery" spread.

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< p > according to the foregoing sources, the "disappearance" of the three governors in Wujiang is related to the local a target= "_blank" href= "http://www.91se91.com/" > textile < /a > small loan companies run by enterprises.

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< p > Wujiang District of Suzhou is located in the south of Taihu and the southernmost tip of Jiangsu province. Its products are rich and economically developed. It is known as "the land of fish and rice" and "the house of silk" on the ancient river. The textile industry is a pillar industry in the region, especially developed, with a share of more than 1/3.

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< p > mostly local private enterprises, their livelihood is closely related to whether they can get financial support from banks.

The financing difficulties of small and micro enterprises are largely due to their low credit level. Most small and micro enterprises lack the necessary collateral in the traditional credit mode, coupled with imperfect financial management, and some even lack standardized financial statements. Collateral and credit ratings are necessary conditions in the mode of the traditional bank credit.

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< p > "a small business usually has several sets of statements, which are provided to local governments, to tax bureaus and to banks.

In the pre loan investigation, it is necessary to constantly verify the authenticity of financial statements through other means, which has increased the difficulty of traditional bank credit. "

A local banking insider, who declined to sign, told reporters.

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< p > small and micro enterprises lack the natural conflict between the characteristics of collateral and credit and the traditional credit conditions of banks, causing a large number of small and micro enterprises to stop in front of the bank credit market, leading to the financing difficulties of SMEs. Under the circumstances that the formal channels of banks can not effectively meet the financing needs of small and medium-sized enterprises, various small businesses and even small businesses run by individuals emerge as the times require, and a large number of private capital "wander" in the private lending market.

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< p > it is reported that local folk lending is very common.

"As long as there is no accident, we feel that everything is fine. Until the last problem arises, we feel that this is a risk. Sometimes customers will actively seek such a high yield opportunity."

The local banking industry said frankly.

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< p > "the owner of a textile enterprise that started a small loan company was first caught in the market. After the business was bitten, the accounts were turned over, one line was involved, and the three governors came out."

The sources said.

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< p > for the three presidents at the same time, the local banking industry is not surprised. "If a small loan company is established, the appetite will be very large, and a bank may not be able to meet its credit needs."

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< p > according to a source close to the Wujiang District Procuratorate, three governors have been sacked and several governors have been interviewed, which may be related to the financing of real estate. The bank president colluded with small loan companies to lend usury to Real Estate Company. Due to the sluggish real estate in the first half of the year, the loans could not be recovered and checked, so the case became even more complicated.

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< p > "when the governor of a bank went in, it was because of the real name of the textile enterprise owner, but he made the real estate related.

The procuratorial organ does not ask you which is related to you, but asks you to take the initiative to explain it.

If you do not answer the question of catching you, I will continue to tell you.

This is called pulling the radish out of the mud.

The sources close to the Wujiang District procuratorate said.

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< p > Bank response: the departure of the governor has nothing to do with bank assets < /p >

< p > to further verify the specific case to the involved bank. China Merchants Bank replied that it was verified by the bank that the president of the former Wujiang branch of the bank was involved in the case when he worked in his original work unit (ABC) more than ten years ago and had nothing to do with CMB.

The man resigned from the bank in May 2nd of this year.

It also indicated that it was unclear about the specific circumstances of the case.

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< p > another bank involved also said that in May 21, 2013, the governor of Wujiang branch of the Suzhou branch of the bank was executed by the Wujiang District procuratorate for criminal detention on suspicion of accepting bribes.

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< p > the bank said that after obtaining its information, the first time it conducted a comprehensive internal investigation of the business involved, and found no violation of credit operations. Suzhou branch has removed its Wujiang branch president.

The Suzhou branch of the bank is operating normally.

The company will continue to actively cooperate with the judiciary and continue to strengthen staff education and management.

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< p > a relatively consistent statement of the bank involved is that the individual business bribery of the branch governor is not related to bank assets.

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< p > if it is not to take advantage of the credit line of banks, then where is the source of funds for collusion between branch governors and small loan companies to engage in private lending? < /p >

< p > the local banking industry has pointed out to the twenty-first Century network analysis that in fact, the governor of a branch bank has two resources in the bank, one is the bank's credit line, the other is the customer resources on the hand.

In recent years, frequent bank cases, many bank employees use their own many years of customer resources to carry out illegal fund-raising.

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< p > "in general, bank wind control measures are still in place. It is not so easy to get money out of banks."

However, if the governor takes advantage of his client's trust to raise funds illegally, this is bound to be closely related to the president of his branch.

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< p > according to the local banking industry, the large area "check" illegal lending is not related to the liquidity tension between banks.

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< p > because banks are reluctant to lend money because of tight funds, it has been reported that banks in Shenzhen and other regions have basically stopped lending.

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< p > "the tight liquidity of the capital will inevitably lead to the obstruction of the ability of banks to lend and the deleveraging of the banks by regulators, which may affect the performance of banks, leading to the concentrated exposure of previous illegal lending issues."

The local banking industry admitted.

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The total size of China's shadow banking is 23 trillion and 800 billion yuan, equivalent to 46% of the total GDP scale and 25% of the total credit volume, said P, the managing director of Credit Suisse and chief economist of Asia.

When the function of bank financial intermediaries is weakened, shadow banks undertake the function of conveying liquidity to the real economy.

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< p > Tao Dong said that shadow banks have a large number of irregularities, whether they are absorbing funds or lending, and the main whereabouts of their funds are not local governments or real estate.

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< p > "the loan of the involved bank is estimated to be screened once again, and the lending of other banks will be more prudent. Some normal corporate loans may be affected, and may be delayed or unable to get loans, and the financing environment of the enterprises may be even worse."

A local small business owner was worried about the "sequela" of the three Wujiang governor's bribery case.

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< p > on the standard of serious bribery cases, the internal staff of the Suzhou people's Procuratorate disclosed to the twenty-first Century net that at least Bribes "more than 1 million" was the case of serious bribery.

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< p > the case is confusing, but what is the specific case and the amount involved? Because the case is still in the review stage, the truth remains to be restored and the case will be followed up.

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