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    銀監會嚴查消費貸款流入房地產

    瀏覽:252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。
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