Xu Jiayin, who was arrested, is implicating the bank presidents

Source| Big Cat True Detective

Banks are trying to distance themselves from Evergrande.

In the past two days, Cangzhou Bank released a clarification announcement on its official website, the main content of which is about Evergrande's loan in Cangzhou Bank, denying the 3.4 billion yuan circulated on the Internet, and announcing the relevant loan amount of 346 million.

For Cangzhou Bank, which has assets of hundreds of billions of yuan, 346 million is indeed not enough to have much impact on it, but how to get the money back is indeed enough for them to have a headache for a while.

Relevant judgment documents and enforcement information show that Cangzhou Hengxiang belongs to Evergrande Real Estate, which was executed for 174 million yuan in March this year, and by August, the case became a final case, and the amount of 170 million yuan was not fulfilled.

In addition to Evergrande Real Estate, Evergrande Tong World's subsidiaries also have loans in Cangzhou Bank, and related lawsuits have begun to fight in 2022.

Evergrande's loan in Cangzhou Bank is really a small trouble, after all, there is no Cangzhou Bank among Evergrande's main correspondent banks.

According to the main correspondent banks listed in its 2020 annual report, Minsheng Bank ranks first, while the rest cover not only large state-owned banks, joint-stock commercial banks, but also urban commercial banks, rural commercial banks and even foreign banks.

None of the urban commercial banks in the three northeastern provinces have been left behind, and in its base camp Guangzhou, the agricultural commercial banks are on the list.

Now, everyone is trying to avoid getting involved with it, keeping silent about the amount of relevant arrears, and Evergrande itself no longer mentions the names of correspondent banks in its new annual report.

Some data say that Evergrande's arrears in various banks can reach more than 300 billion, but it can refute rumors like Cangzhou Bank and announce the specific amount, there is none.

However, in the years when real estate was very popular, many banks were issuing loans to housing companies, and now, half of the top 100 housing companies have thundered, "debt restructuring" has become the mainstream, and it may be more difficult for banks to recover loans.

And should the bank presidents who issued them loans with a wave of their hands be held accountable?

There is an example that can be consulted.

On the same day that Xu Jiayin was officially announced that compulsory measures had been taken, the Hubei Supervision Bureau of the State Financial Regulatory Administration also announced an administrative penalty, and Hankou Bank was fined for "imprudent pre-loan investigation and post-loan management".

Originally, the scale of Hankou Bank was not large compared with other banks, and the amount of the fine of 1 million yuan could only be small compared with the fine of tens of millions at every turn, but this fine was full of imagination:

1. Hankou Bank is the 19th largest partner listed by Evergrande, and the amount of risk exposure is unknown;

2. Not only was the head office of Hankou Bank fined, but the Fruit Lake branch was almost killed, and the branch president who was an assistant to the president in the head office was banned from working in the banking industry for life, which was almost the president's job.

This strength is not small, and I am afraid that the events behind it are not small.

Administrative punishment, of course, is only a small meaning, now is far from the time to settle the accounts after the fall, whether there is a criminal punishment after that, is the most worthy of their concern.

In the Criminal Law, there is the crime of illegally granting loans, which directly refers to the staff of banks and financial institutions, and the amount is huge or causes major losses, less than five years; Where the amount is particularly large or causes particularly significant losses, it is more than five years.

And 5 million is a particularly large amount, and 1 million is a particularly significant loss. If someone "stretched out", then there is also the crime of bribery of non-state officials, etc.

The financial sector, especially the banking sector, is an area with a high incidence of criminal offenses.

Just during this National Day, two big tigers were targeted, respectively from the Bank of China and Everbright Group, and what they love to do the most is to rely on finance to eat finance, of course, indispensable, is illegal lending.

Of course, when it comes to the specific matter of Evergrande, whether the bank has violated the rules and how much has violated them, the presidents are at their own risk, it is better to check themselves first.

As the saying goes: If you do not stretch your hand, you will be caught.