Reporter from the Shanghai Banking Bureau recently issued a" case in 2009 to prevent and control the work of the views of the banking sector ", that it will focus this year, bills to prevent fraud, false mortgage cases various forms of non-lending cases.

The so-called" mortgage holiday "is to real estate developers or false in the real materials and under the name of the main build up under the guise of buyers to the banks personal housing mortgage loans, thereby obtain the behavior of bank funds. "Fake mortgage" can be divided into two categories: the first category, the real purchase price and leave little difference in mortgage prices, developers in order to fast recovery of funds only to slightly higher than the market has taken some "fake mortgage"; article II is the vast majority of people purchase the properties for sale is a sham, "fake mortgage" contract price is very high, anomalous. And often have involved financial institutions, and even collusion, fraud bank loans.

One analyst pointed out in Kim," fake mortgage "fraudulent way to cheat the bank funds, an increase of the bank's operational risk, capital-strand breaks as soon as developers, banks will face enormous financial risks, and the formation of new substantial non-performing assets .

Shanghai Banking Board to request the banking institutions to continue the operation of risk management and supervision of the prevention and control work, as the focus of the case, we should pay special instruments to guard against fraud, false mortgage cases, various forms of non-lending cases and gambling caused by the such cases, the focus of investigation in recent years, rapid development of the credit card business, Valet financial services business in areas such as bills to strengthen the rear of the treasury,账外sequestration, an important gap in the certificate management, and increased inspection frequency, was found hidden in order to plug vulnerability to curb the occurrence of new cases.

Shanghai Banking Board also stressed that this year the number of cases and suspects to the amount of control in the previous year's level. To identify financial institutions in banking, self-examination of cases found in the leadership principle, accountability up again "on the recovery levels"; to have due diligence, confirmed there is no management responsibility and may not be dealt with leadership responsibilities. However, natural exposure to external revealed a number of cases and similar cases of the same, still adhere to the "one case of four accountability" and "dual accountability" and "2 on the recovery," the provisions of relevant personnel hold the solemn Leaders responsibility and duty, not tolerance. Securities Times