Stunning bouting bank illegal loan shady
"World Business Review" ICXO.com (Date: 2004-06-09 13:36)
Although people can imagine violations of loans that exist within the state-owned commercial bank, the system defects disclosed by the internal people are still deeply exposed to commercial bank violation loans. In the past, such a high violation rate is a incredible phenomenon. Since the "rule" is already here, why is there a "violation"? On July 18, Mr. Li, who was once an employee of a state-owned commercial bank, revealed the "general procedure" of state-owned commercial banks to "economic" after obtaining the promise of true identity. Mr. Li is a senior financial person. He has made a head office from the grassroots, and the internal operation mechanism and procedures of state-owned banks. Although the reporter can imagine some violations of loans within the state-owned commercial bank, Mr. Li is still shocked by the specific practices of Li. Systematic Vulnerability "Simple, the root of the problem is that our country is the approval procedure for developed countries, and our country's companies are enterprises in developing countries." This is a summary of Mr. Li. There is a domestic company for Beijing to apply for a loan to a US bank. Unlike domestic practices, this Bank of America is not too emphasized, but to let all the employees of the company fill in dozens of orders, answer the title to fill the blank These include whether this company has confidence, the evaluation of the corporate leaders, and you have to see your cash flow. Especially need to investigate the market situation of the company's products. Domestic state-owned commercial banks are not to see these, they are mechanically in accordance with the registration rate of corporate registration. If you check the cash flow, the statement, many companies don't cost money. So many companies create numbers based on the loan terms and reach the loan requirements. In fact, if you really want to meet the requirements, use the company's own words, the flow ratio, the speed ratio is as high as the loan requirements, then I don't need money at all, what kind of money is there? In our country's banking systems, there are very few people who have done the enterprise, no matter how deep learning, it is still inevitable to talk on paper. When the company did not have a legal dispute, the banking industry could not directly check his things, and he could only listen to the company. Many of the company had a "fraud" taste. Coupled with many middle-aged help, even some professional companies are helping companies for fake accounts, bank creditors are more defense in their own obligations. The more serious problem is that in many times, it is not the ability of banking business people, but the enterprise to apply for loans and the lawsuits and even illegal. Some loans should be successful through review, almost non-bribery, and the legal system provides for bribery and bribery, so the two sides naturally enters into the offense and defensive alliance, one ring set, the silk is invasive, as long as there is no major event, basically can be safe. The President's Power State-owned Bank is a People's Bank of China, although it has made a separate directors, but it is still about a sovereign and guidance. The "Company Law" is not thoroughly implemented in the bank. According to a shareholder of a joint-stock commercial bank, once he participated in the Presidential Club, the representatives of the following shareholders below did not listen to him, and they were chatting at the bottom. The governor had to hurry and finish the finish. After the meeting, the shareholder joked with the leader and said: You are the best in the top, and your report I have no way, and I don't listen to what is the difference? Say we have to have a sense of responsibility, ok, we want to send accounting, do you agree? Now the local banks basically financial are major shareholders, and the shareholders' representatives are all sent by local party organizations. The only exception has a bank in Kunming, private enterprises have accounted for the third fourth shareholder, fast to holding the holding position, the bank leader seems to be the same, but the people's bank has guided opinions, but also Divide independent director. It is really powerful now. In the banking system, if the lectress makes you laid off, you have a difficult rice bowl in this life.
