Clear income, led millions!The service report is plagiarized with each other and has no targeted service ... Guiyang Rural Commercial Bank charges 11.41 million yuan consultant service fee to 5 companies.

On August 9th, a decision on administrative penalty decision announced by the Guiyang Market Supervision and Administration Bureau made Guiyang Rural Commercial Bank Co., Ltd. (hereinafter referred to as "Guiyang Rural Commercial Bank") to collect the consulting service fee to the enterprise Essence

The punishment information shows that in the two and a half years from January 1, 2019 to June 30, 2021, the two branches of Guiyang Rural Commercial Bank charged 5 companies to 5 companies to consolidate 11.41 million yuan, but there was no targetedness , Substantive services, there is an act of collecting consulting fees and inconsistent quality. In the end, the bank not only retreated the above -mentioned illegal income, but also fined 1.141 million yuan.

It is worth noting that in recent years, the problem of illegal charges for commercial banks has been the focus of regulatory authorities. According to the “Special Rectification Action Plan for illegal charges related to enterprises” issued by the National Development and Reform Commission and other departments in June this year, the CBRC system has made deployment, focusing on the goal of “reducing the burden on enterprises”, and carrying out special rectification actions in the banking field. Among them, "only charges, not serving or less service" are one of the key governance issues.

Fined 11.41 million yuan

On August 9th, an administrative penalty information was announced, and the sword refers to the Guiyang Rural Commercial Bank charged the consultant service fee to the enterprise illegally.

The administrative penalty decision pointed out that after investigation, Guiyang Rural Commercial Bank Nanming Sub -branch and Yunyan Sub -branch charged the consulting service fee of 11.41 million yuan from five companies from January 1, 2019 to June 30, 2021.

Although tens of millions of service fees are charged, the services given by the two branches are mixed with a lot of "moisture".

The Guiyang Market Supervision and Administration Bureau pointed out that in the service report provided to the enterprise, there are logical problems or obvious errors, and the reports provided by different enterprises are basically the same. The signs of plagiarism are obvious. The actual operation of the enterprise proposes substantive plans and proposals, the lack of targeted services, and the existence of consulting fees and inconsistent quality and price.

Although the Guiyang Rural Commercial Bank has cleared the service fee of 11.41 million yuan after inspection in the inspection team, it has not been able to avoid punishment.

The administrative penalty decision shows that the Guiyang Rural Commercial Bank violated the relevant regulations. The regulatory authorities ordered the bank to correct the above -mentioned illegal acts and decided that all the offices had retired from 0.1 times the fine of 11.41 million yuan of 11.41 million yuan.

According to the data, Guiyang Rural Commercial Bank was established in 2011 with a registered capital of 3.823 billion yuan. It is a local state -owned bank directly led by the Guiyang Municipal Party Committee and the Municipal Government. Essence

According to the financial report, in 2021, Guiyang Rural Commercial Bank's operating income was 3.09 billion yuan, a decrease of 4%year -on -year; net profit was 628 million yuan, a year -on -year increase of 103%. In the first half of 2022, the bank realized operating income of 1.371 billion yuan, a year -on -year decrease of 10.51%; net profit was 515 million yuan, a year -on -year increase of 23.56%.

The banking field is carried out for special rectification actions

In recent years, the service charging problem of commercial banks has been a hot spot for the market, and it is also the focus of supervision departments.

The "Guidelines for the Law Enforcement of Commercial Bank Charges" issued in June 2016 pointed out that the charging behavior of commercial banks should follow the principles of compliance, equality and voluntariness, separation of interest fees, and qualitative price consistency in accordance with laws. Among them, quality and price compliance means that commercial banks should provide reasonable prices according to the actual needs of customers. Consultants and consulting categories, capital supervision, asset custody, financing arrangements and other businesses should especially reflect the requirements of substantive services.

However, individual commercial banks have not followed this principle. In August 2019, the General Office of the Banking Insurance Regulatory Commission reported on the on -site inspection of some local small and medium -sized banking institutions that some institutions did not implement the policy of serving the real economy, especially the private small and micro enterprises. Among them, individual business charges are "quality and prices do not match", and the consultant fee is charged in violation of regulations. Some institutions charge a large amount of financial advisory fees, but the financial counseling services are mainly excerpted with Internet disclosure information and do not provide customers with valuable services.

In March of this year, at the special press conference of the "Banking Insurance Industry In -In -In -the Promoting Financial Consumer Protection", Guo Wuping, director of the Consumer Protection Bureau of the China Banking Regulatory Commission, introduced that the current banking insurance industry reduction has made the profit more and more profitable. A significant decline, but there are still some problems in the local area. "Only charges and not serving" are one of them. Common financial advisory services, some bank branches provide a template to the enterprise before the loan. In fact, they are almost the same content. In this name, a financial advisory fee is charged, but there is no practical service.

Public information shows that in response to the problems exposed in the inspection in recent years, the relevant departments have adopted a series of measures to further standardize the service charges of commercial banks.

In 2020, the CBRC and other departments jointly issued the "Notice on Further Regulating Credit financing charges to reduce the comprehensive cost of corporate financing", further standardize the fees and management of all aspects of credit financing, safeguard the right to corporate knowledge, independent choice and fair trading rights, reduce Comprehensive cost of corporate financing.

In early 2022, the China Banking Regulatory Commission issued the "Guiding Opinions on Regulating the Management of Regulatory Bank Service Market Regulatory Price Management". Among them, it is emphasized that financial services suppliers and demand squares are equally negotiated to prevent the use of non -standard pricing of market status and protect customers' independent options and fair transactions. The guidance was implemented from May 1, 2022. In order to promote the implementation of various policies for reduction in fees and burdens, support the help of enterprises to rescue, and further optimize the business environment, in June 2022, the National Development and Reform Commission and other departments issued the "Special Rectification Action Plan for illegal charges for enterprises" and decided to be in the country in the country Concentrate the special rectification operation of illegal charges related to enterprises.

According to the overall plan arrangement, the CBRC system summarizes the management of bank service charging and special inspections in recent years, prints and distributes industry implementation plans, and deploys regulatory departments and banking institutions at all levels to carry out in -depth actions.

The special rectification actions in the banking field focuses on the goal of "reducing the burden of corporate burden", focusing on the fields of manufacturing, the service industry that is closely related to the national economy and people's livelihood, and market entities such as small and micro enterprises and individual industrial and commercial households. Focusing on service price management, service price behavior, charging related to credit financing, and 25 rectification points in the 4 aspects of credit financing, cooperative business management, focusing on not disclosing service price information in accordance with regulations, charges beyond service price publicity, only charges or less service services The use of advantageous status is passed on to the expenses borne by the bank, forced binding financial products or services of loans, not implementing various service charges and exemption policies, and inadequate service cooperation management.

Daily Economic News

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