Per edit: Huang Sheng
In October and November this year, Bohai Bank Nanjing Branch and SpDU Nantong Branch had disputes with corporate customers over the pledge of bank acceptance bills of deposit, and reported the cases to the public security organs respectively, involving an amount of more than 3 billion yuan, which aroused widespread concern about the case of the third-party pledge acceptance of the certificate of deposit of commercial banks.
According to CCTV News, on December 7, it was learned from the person in charge of the relevant department of the Banking and Insurance Regulatory Commission that for the case of the pledge acceptance of third-party certificates of deposit of individual commercial banks, the CBRC had dispatched a supervision working group to carry out on-site investigation and supervision for the first time in the early stage, and required the head office of the bank involved to enter the relevant branches at the same time to carry out a comprehensive risk investigation of the relevant bill business.
Image source: official website of the Banking and Insurance Regulatory Commission
At present, the regulatory authorities are stepping up the work of identifying the facts of violations and solidifying the evidence, and the next step will be to do a good job in administrative punishment and accountability of the institutions involved in accordance with laws and regulations, and urge the institutions to speed up the repair of management defects and loopholes, and establish a compliance business philosophy.
At the same time, the regulatory authorities will work with relevant departments to jointly increase the crackdown and correction of violations of laws and regulations in the financial industry, maintain a good financial order, and guard the "money bags" of the people.
On the evening of October 23, a number of media reported that two subsidiaries of Jimin Credible Group, Wuxi Jiyu Shanhe Pharmaceutical Co., Ltd. (hereinafter referred to as "Shanhe Pharmaceutical") and Nanjing Hang Seng Pharmaceutical Co., Ltd. (hereinafter referred to as "Hang Seng Pharmaceutical"), deposited 2.8 billion yuan in the Nanjing branch of Bohai Bank, which were pledged by the bank without the knowledge of the enterprise, to provide bill financing guarantees for an unrelated third party, Huaye Petrochemical Nanjing Co., Ltd. (hereinafter referred to as "Huaye Petrochemical").
On October 24, Bohai Bank Nanjing Branch issued a statement on its official website, saying: In the process of handling daily business with related enterprises, the branch found abnormal behavior between enterprises, reported the case to the public security organs, sought judicial solutions in accordance with the law, and promised to resolutely safeguard the legitimate rights and interests of customers, ensure the safety of customer funds, and maintain financial order and stability.
On the evening of October 24, Jimin Credible responded for the first time on its official micro-blog, releasing the "Six Questions Bohai Bank Nanjing Branch!" Questioned bohai bank Nanjing branch related behavior.
Image source: Per reporter Zhu Wanping photographed (data map)
The group said that on August 19, the group learned that someone was posing as the group's personnel at the bank counter to handle the deposit pledge procedures, and the financial personnel called the Nanjing branch of Bohai Bank at the first time to request that the police be called immediately. Between 21 August and 26 August, the Group repeatedly negotiated with Bohai Bank Nanjing Branch and stated positively that it had never handled or authorized others to pledge deposits. However, Bohai Bank did not report to the police during this period and forcibly withheld 450 million yuan of the group's deposits on August 25. On September 3, the Group reported to the Wuxi police.
On November 4, a relevant personnel of bohai Bank's Nanjing branch said in an interview with the media, "In about a year, Jimin Trust department has received three times the interest on deposits of our bank from Huaye Petrochemical Department. Other information also shows that Jimin Trust is aware of this matter and is not a simple deposit customer as it claims to be. ”
On November 4, Jimin Credible responded to Bohai Bank's statement, stressing that it was unaware of the entire operation process of the pledge of 2.8 billion yuan of deposits of two subsidiaries and the provision of financing guarantees for third-party companies. It also said that the 3.3 billion yuan of funds of the two subsidiaries of the Group was deposited into the bank in the form of "new easy deposit" from November 2020 to August 2021. The full proceeds and sources of the relevant deposits were elaborated and detailed when the Group reported the case to the Wuxi police on 3 September and provided specific payment records.
Image source: Photo_500445148_
On November 5, Jimin Credible published "Six Questions Again" on the official micro-blog of Bohai Bank Nanjing Branch, saying that as a depositor, the bank refused to access all the operation records and process documents of the deposit, and the question raised was not positively responded to by the Nanjing branch of Bohai Bank.
On November 12, the International Department of the China Securities Regulatory Commission (CSRC) issued feedback on overseas listing to Bohai Bank, requesting the bank to elaborate on the pledge guarantee provided by its Depositors shanhe Pharmaceutical and Hang Seng Pharmaceutical to a third party. At the same time, it is required to explain whether the public security organ has filed a case for investigation, whether the relevant employees of the bank have violated laws and regulations or improper operations, the progress of related matters, and whether the matter constitutes a substantial obstacle to the offering, and requires lawyers to verify and issue legal opinions.
On November 15, 2020, the listed company Keyuan Wisdom issued an announcement that Nanjing Keyuan Smart Energy Investment Co., Ltd., a wholly-owned subsidiary of the company, used temporarily idle own funds of 40 million yuan to purchase a time deposit of Spdbed Bank Nantong Branch on November 10, 2020, with a maturity date of November 10, 2021.
As of the date of the announcement, the Company has not received the funds. After the company inquired to the Nantong branch of Shanghai Pudong Development Bank, it was learned that the company's 40 million yuan time deposit had been used as a pledge guarantee for the bank acceptance draft issued by Nantong Ruihao International Trade Co., Ltd. on November 10, 2020, and at present, due to the failure of Nantong Ruihao International Trade Co., Ltd. to repay the debt on time, the company's 40 million yuan time deposit has not been redeemed in time.
Keyuan Wisdom said that it was not aware of the pledge and had clearly requested the Nantong branch of SPDB to issue valid certification materials.
Image source: Photo.com 500436934
In addition, the total amount of time deposits purchased by Nanjing Keyuan Smart Energy Investment Co., Ltd. at the Nantong Branch of SPDB was 345 million yuan. Among them, the amount that could not be redeemed when it was due was 40 million yuan, and the amount that was not expired showed to be pledged was 255 million yuan, and the company was unaware of all the above pledges.
On November 16, the relevant person in charge of the Nanjing branch of SPDB said that the Nantong branch of SPDB and Nanjing Keyuan Smart Energy Investment Company did have a business relationship such as deposits. Recently, the company made inquiries about its deposit and other business related to the Nantong branch. In order to protect the rights and interests of banks and customers in accordance with the law and find out the truth, the Nantong Branch of SPDB has made a criminal report to the public security organs on November 15 and provided relevant business information while carrying out investigations.
On November 17, the Shenzhen Stock Exchange issued a letter of concern to Keyuan Wisdom, requesting the company to verify and explain the specific circumstances of the pledge of wealth management products at the Nantong branch of Shanghai Pudong Development Bank.
On November 18, Keyuan Wisdom spoke out again on Guanwei, saying that it had communicated with the Nantong Branch of Shanghai Pudong Development Bank for the first time, collected and redeemed payments, and reported the case to the police and the Jiangsu Supervision Bureau of the China Banking and Insurance Regulatory Commission on the same day. We will actively cooperate with the police and relevant regulatory departments in handling this matter, and perform information disclosure obligations in a timely manner in strict accordance with the relevant provisions of laws and regulations.
Daily Economic News is synthesized from CCTV News and Financial Times
Daily economic news