The website of the China Banking Regulatory Commission reported on the 22nd, Zhejiang Yiwu Rural Commercial Bank was fined 2.3 million (RMB, the same below, about S $ 472,000) for loan -related issues.The ticket is mainly related to loans, involving multiple cases such as public loans, personal loans, and flowing funds loans.
According to the Huaxia Times, according to incomplete statistics, since 2019, Zhejiang Yiwu Nong Commercial Bank has received a total of eight fines, including five of them involved loan -related businesses.
In 2019, Yiwu Nong Commercial Bank was fined 800,000 yuan for issuing credit loans to the affiliates and unrelated transactions without the approval of the board of directors.
In 2020, it was fined 250,000 yuan due to serious loan management.
In 2021, Yiwu Nong Commercial Bank was punished twice: March, due to the seriousness of credit business management and serious employee management, they were fined 700,000 yuan;Management was severely fined 250,000 yuan.
The 2.3 million yuan was fined this time as the biggest ticket since 2019.
Zhejiang Yiwu Rural Commercial Bank was restructured as a whole from the rural cooperative bank of Zhejiang Yiwu Rural Cooperation Bank. Founded on May 22, 2012, it was officially listed on July 18, 2012.
The frequent loan problem is related to the expansion of the loan business. In the past five years, the loan scale of Yiwu Rural Commercial Bank has increased year after year, and some measures have also been taken to strengthen internal control management.Essence
The total assets of Yiwu Rural Commercial Bank as of the end of 2021 were 96.058 billion yuan, an increase of 9.718 billion yuan from the beginning of the year; the balance of various deposits was 76.860 billion yuan, an increase of 9.798 billion yuan from the beginning of the year;The beginning of the year rose 10.575 billion yuan.
In terms of non -performing loan ratios, the bank's non -performing loan ratio was 0.85%at the end of 2021, a decrease of 0.33 percentage points from the beginning of the year. The balance of non -performing loans was 528.5271 million yuan, a year -on -year decrease of 13.44%from 2020.
From the perspective of the type of loan, the loans of Yiwu Nong Commercial Bank are mainly based on retail loans and mats. In 2021, retail loans and advances accounted for 63.79%, and the company's loans and mats accounted for 36.21%.Compared with 2020, the gap between the two loans is increasing, of which retail loans have increased by 16.55 percentage points compared with the previous year.
Yiwu Rural Commercial Bank stated in the 2021 annual report that the bank attaches great importance to credit risk management, strictly manages loans, and implements strict qualification management of credit practitioners. In 2021, Control node of front compliance and risk.
At the same time, new progress has been made in the operation of risk prevention and control compliance. By accelerating the transformation of the credit process, 20 creditors and 26 background customer managers are set up to prevent credit risks from the root cause and reduce the customer manager's manager's manager's manager.The work of the case further releases marketing efficiency.
In the new year's development measures, Yiwu Rural Commercial Bank also mentioned that it will strengthen the "loan forcibly" belief and increase credit."Compliance bank.
