Can enterprises complain to the banking regulatory bureau about bank lending?

1. Can an enterprise complain to the Banking Regulatory Bureau about bank lending?

If the CBRC stops lending at will, Song, chairman of the CBRC, will be severely punished.

When corporate funds are temporarily tight, banks rush to lend, shrinking the government and corporate funds for many years. Recently, the China Banking Regulatory Commission officially issued the Notice on Doing a Good Job in the Creditors' Committee of Banking Financial Institutions, requiring creditor banks not to stop lending or withdraw loans at will, but to help enterprises to the maximum extent through necessary and risk-controlled ways such as recovering loans and renewing loans.

In fact, in early August, the market experienced a period of tightening. Previously, the "three meetings" also jointly issued a document to encourage financial institutions to treat steel and coal enterprises differently. Some local government loans and loan-breaking financial institutions should be "strictly investigated".

But from the perspective of banks, risk isolation is the most important. A banker said that the most dangerous group in the eyes of groups that have frequently defaulted on bonds this year is the banking industry itself, which is more cautious about the ratio of non-performing loans. For negative events, Yunfeng Group and yabang Group suffered bank loans and loan contraction before default, and finally the company's capital chain was interrupted.

Because banks do not allow the CBRC, creditor banks can "hold a group" to set up a debt Committee. According to the requirements of the Notice, debt committees are initiated by industrial financial institutions with large debts, and take measures such as restructuring in accordance with the principle of "one enterprise, one policy" to carry out debt restructuring and asset preservation in an orderly manner. If new funds are needed, the Debt Committee can provide support through group or closed financing. Not all enterprises are reorganized, and the notice is clear, and the development of enterprises conforms to the national macroeconomic policy. Ceng Gang, director of the Banking Research Office of the Institute of Finance of China Academy of Social Sciences, said that normal bank credit can be recovered, which is in the interest of ordinary people.

Second, how to complain that the bank refuses to lend?

Just find someone to make a private loan. I just borrowed it from someone a few days ago100000.

Third, how to complain about the bank?

Calling 12378 is the most effective. Call the bank insurance consumer complaint hotline 12378 to complain about the bank. If you are not satisfied with customer service and banking business, you can choose to call the bank and then find the corresponding acceptance department according to the voice prompt. Industrial and Commercial Bank (95588); Agricultural Bank (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528); Industrial Bank (95561); China Everbright Bank (95595); Minsheng Bank (95568); China CITIC Bank (95558); China Merchants Bank (95555); Postal savings (1 1 185). Industrial and Commercial Bank of China: In accordance with national laws and regulations, raise social funds through domestic and overseas financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction. Bank of China: Its business scope covers commercial banks, investment banks, insurance and aviation leasing, and it provides financial services to individuals and corporate customers all over the world. Agricultural Bank of China: Committed to building a first-class modern commercial bank facing agriculture, rural areas and farmers, linking urban and rural areas, integrating into the international community and providing diversified services. China Construction Bank: Its main businesses include credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. Bank of Communications: The business scope covers commercial banks, investment banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. China Development Bank: It will play a leading role in long-term financing in major infrastructure, basic industry and pillar industry construction and supporting projects related to the lifeline of national economic development. The Export-Import Bank of China: Implement the national industrial policy, foreign trade policy, financial policy and foreign policy, and provide policy financial support for expanding the export of China's mechanical and electrical products, complete sets of equipment and high-tech products, promoting enterprises with comparative advantages to contract projects and invest abroad, and promoting the development of foreign relations and international economic and trade cooperation. China Agricultural Development Bank: According to national laws, regulations, principles and policies, and based on national credit, it raises funds, undertakes agricultural policy-oriented financial business stipulated by the state, and allocates financial funds for supporting agriculture as an agent to serve the development of agriculture and rural economy. Responsibilities of banks: (1) Act as a credit intermediary between enterprises. Credit intermediaries absorb ordinary people's money into their own banks in the form of deposits, then distribute the money to enterprises in the form of loans, and combine the rich with those who need money through intermediaries. (2) Acting as a payment intermediary between enterprises. When doing business between enterprises, it is best to pay with one hand and deliver with the other, but there are thousands of enterprises in the society, and they are engaged in different fields. Now all economic activities are settled by bank transfer, which can successfully pay money and complete the circulation of goods. (3) Turn monetary income and savings into capital. This function is the deepening of the second function. A penny may not have much effect, but many people deposit a penny in the bank, and the bank will become tens of thousands, hundreds of thousands or even tens of millions, which can help an enterprise achieve great things and become capital, thus developing production.

Fourth, how to complain to the bank if the loan is unreasonable?

There are three channels of complaint.

First, you can directly call the official customer service of the bank to complain. This does not need to specify which department, and the bank will automatically allocate it.

The second is to complain on the official website of the bank, which also does not need to designate a department, but it is necessary to write out the incident.

The third is to call the 3 15 hotline or the city hotline to make a complaint. This requires pointing out specific departments. Mortgage generally corresponds to the mortgage or personal loan department, and corporate loans generally correspond to corporate departments.