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The CBRC Investigates Six Kinds Of Financial Products &Nbsp; Bank Financial Products Have Emergency Brakes And Self Check.

2011/7/25 16:19:00 42

CBRC Investigates Six Types Of Financial Products

In the first half of the year, we rushed to catch the fire.

CBRC

The new rules of halting six types of bank financial products have been thrown into the market, which has poured cold water into the market of financial products sold before.

Under regulatory pressure, banks began to focus on their banks.

Conduct financial pactions

The products are self examined and sorted out.

According to Puyi wealth data, the issuance scale of financial products in the first half of this year amounted to 8 trillion and 510 billion yuan, which is nearly 1 trillion and 500 billion yuan more than that in 2010.

With the rapid development of the scale of bank financial products, the "chaos" behind it has attracted the attention of regulators.

Some local banking regulatory bureau's innovation supervision department told reporters that at the end of June, the CBRC at the financial products business meeting, the responsible person involved in the financial asset pool involved in entrusted loans, trust pfer, credit assets pfer, regulatory arbitrage bills, as well as high interest deposits, silver and silver cooperation and other acts, as a "violation" mode, requiring banks to carry out self check and rectification.

The request has been sent to the local banking regulatory bureaus and banks in the form of minutes of meetings.

The six feature of the "irregularities" mode is that there are many to many, time mismatches and unknown capital investment.

Previously, a number of banks have issued suspected illegal products.

According to media reports, financial products from the China Banking Regulatory Commission since July

business

As a starting point, bills and accounts receivable are suspended and approved for public financial products.

Some banks began to conduct self-examination in accordance with the pertinent requirements of the CBRC.

According to sources close to regulators, a joint-stock bank has been interviewed by regulators recently, and the bank has informed all sub branches to remove leaflets and product announcements of all kinds of retail financial products.

In addition, supervision

Interest arbitrage

The bill is another part of the CBRC's investigation.

"According to the regulations, the bills business invested by financial products should be put into the asset pool as credit assets, and the asset pool will be set up according to the relevant requirements, with a set of assessment on its liquidity safety.

However, some banks do not go through the assets pool in the actual operation, and exclude the assets of the notes from the direct investment of credit assets, which is a violation.

The banking regulatory bureau's innovation supervision office said.

According to a reporter's interview, regulators, bankers and third party researchers believe that in the current environment, there is a game relationship between banks and regulators in the actual operation of bank financial products. Banks will try their best to find other innovative ways to solve the problem of off balance sheet financing.

"If there are new rules, there will be other means of financial innovation."