中国银保监会消费者权益保护局关于中信银行侵害消费者合法权益的通报
银保监消保发〔2020〕5号
各银保监局，各政策性银行、大型银行、股份制银行，外资银行，各保险集团（控股）公司、保险公司，各会管单位：
为践行以人民为中心的发展思想，落实依法监管理念，切实维护银行保险消费者合法权益，现将中信银行侵害消费者合法权益情况通报如下：
2020年3月，中信银行在未经客户本人授权的情况下，向第三方提供个人银行账户交易明细，违背为存款人保密的原则，涉嫌违反《中华人民共和国商业银行法》和银保监会关于个人信息保护的监管规定，严重侵害消费者信息安全权，损害了消费者合法权益。
我局将按照相关法律法规，启动立案调查程序，严格依法依规进行查处。
各银行保险机构要引起警示，严格按照《中华人民共和国商业银行法》、《中华人民共和国保险法》和《中国银保监会关于银行保险机构加强消费者权益保护工作体制机制建设的指导意见》，认真执行相关法律法规和监管规定，依法合规开展经营活动，切实保护消费者合法权益。
中国银保监会消费者权益保护局
2020年5月9日
A group of four banks led by Citigroup faces a loss of nearly $ 100 million after selling part of a loan guaranteed by two Las Vegas casinos, a sign that the banks are eager to dispose of the assets affected by the pandemic, even with big discounts.
Citi, Deutsche Bank, Barclays and Societe Generale loaned $ 3 billion to MGM Growth Properties – owner of MGM Grand and Mandalay Bay casinos on the famous Las Vegas Strip – in February, shortly after MGM sold 49.9 % ownership of properties in Blackstone, according to regulatory filings.
The four banks intended to use the loan to support a $ 1.9 billion deal in the commercial mortgage-backed securities market, but a strong sale triggered by the Covid-19 epidemic shocked these plans, according to people familiar with the agreement.
Instead, banks sold the two lowest-rated tranches of a revised deal to investors with a big discount this week.
The triple B-rated debt tranche priced at 83 cents on the dollar while the riskier, double-rated B tranche only returned 77 cents, according to people. Together, the tranches amounted to $ 534 million. This equates to a loss to the banks of approximately $ 99 million on the face value of the debt.
Citi has written 40% of the original loan on its balance sheet, while the other banks have each taken a 20% share, according to two people familiar with the arrangement.
Banks still have close to $ 2.5 billion of original loan on their balance sheet and hope to sell the highest rated tranches of the CMBS deal once markets stabilize and economic conditions improve, said people familiar with the plans.
The lowest rated CMBS tranches are generally sold at a discount, offset by a premium received on the highest rated tranches. But investors and those involved in the MGM deal said the banks’ chances of recovering the total amount lost during this week’s sale are slim.
“At this point, the loan was made, so the damage was done,” said a banker involved in the transaction.
The bankers also noted that the original loan may have been hedged to offset the risk of a fall in value, but did not provide further details.
The country’s largest lender State Bank of India on Thursday slashed benchmark lending rate by 15 basis points (bps) or 0.15 per cent and introduced special deposit scheme for senior citizens with higher interest rate.
To safeguard the interests of senior citizens in the current falling rate regime, the bank has introduced a new product ‘SBI Wecare Deposit’ for them in the retail term deposit segment, SBI said in a statement.
Under this new product, an additional 30 basis points premium will be payable for senior citizen’s retail term deposits with “5 Years & above” tenor only, it said.
This scheme would be in effect up to September 30, it said.
However, SBI slashed its interest rates on retail term deposits by 20 basis points for ‘up to 3 Years’ tenor, effective from May 12 in view of adequate liquidity in the system as well as with the bank.
With regard to revision in the lending rate, the bank said, the marginal cost of funds-based lending rate (MCLR) comes down to 7.25 per cent from 7.40 per cent with effect from May 10.
Consequently, EMIs on eligible home loan accounts (linked to MCLR) will get cheaper by approximately Rs 255.00 for a 30-year loan of Rs 25 lakh, it said.
This is the twelfth consecutive reduction in the bank’s MCLR, the bank added.
Moody’s Investors Service on Friday projected India’s growth at zero per cent for the current fiscal and said the negative outlook on sovereign rating reflects increasing risks that GDP growth will remain significantly lower than in the past.
The outlook also partly shows weaker policy effectiveness to address economic and institutional issues, it noted in the update to its November 2019 rating forecast.
Moody’s projected India’s economic growth for 2020-21 fiscal at 0 per cent, lower than 4.8 per cent estimated in 2019-20. Growth is expected to rebound to 6.6 per cent in 2021-22 fiscal.
For calendar year 2020, Moody’s had last month projected a 0.2 per cent growth.
Stating that the negative outlook indicates that an upgrade is unlikely in the near term, Moody’s said high government debt, weak social and physical infrastructure, and a fragile financial sector face further pressures due to the coronavirus outbreak.
Moody’s had, in November 2019, affirmed India’s ‘Baa2’ rating but revised downward the outlook to negative from stable on concerns of lower economic growth.
‘Baa2’ is an investment grade rating with moderate credit risk and is two notches above the junk grade.
The negative outlook reflects increasing risks that economic growth will remain significantly lower than in the past, it said.
“This is in light of the deep shock triggered by the coronavirus outbreak, and partly reflects lower government and policy effectiveness at addressing longstanding economic and institutional weaknesses, leading to a gradual rise in the debt burden from already high levels,” Moody’s said in a credit opinion titled ‘Government of India- Baa2 negative’.
It said the shock from coronavirus pandemic will exacerbate an already material slowdown in economic growth, which has significantly reduced the prospects for durable fiscal consolidation and government measures to support the economy should help to reduce the depth and duration of slowdown.
“However, prolonged financial stress among rural households, weak job creation and, more recently, a credit crunch among non-bank financial institutions (NBFIs) have increased the probability of a more entrenched weakening,” Moody’s said.
It added that prospects of further reforms to support business investment and growth at high levels, and significantly broaden the narrow tax base, have diminished.
The rapid and widening spread of the COVID-19, deteriorating global economic outlook, falling oil prices, and financial market turmoil are creating a severe and extensive economic and financial shock, Moody’s said.
“Lower growth and government revenue generation, coupled with coronavirus-related fiscal stimulus measures, will lead to higher government debt ratios which we project to rise to around 81 per cent of the gross domestic product (GDP) over the next few years,” it noted.
At present, India’s debt is about 72 per cent of the estimated GDP of 2019.
It said the economic shock from the pandemic and the fiscal policy response will result in significant slippage from the 3.5 per cent fiscal deficit target in current fiscal.
“Further increases in fiscal expenditure to support the economy, combined with weaker overall revenue and disinvestment receipts, are likely to drive the central government deficit to around 5.5 per cent of GDP in fiscal 2020 (2020-21),” Moody’s said.
The international rating agency said consistent slippage from central government deficit targets, a widening of state-level deficits, and challenges in implementing the goods and services tax indicates that fiscal policymaking has been “less effective”.
Also, slow progress in resolving banking sector asset quality issues and addressing non-bank financial sector risks, as well as lack of progress on land and labour reforms at the national level, highlight still material government and policy effectiveness issues, it added.
5月7日，据银保监会官网显示，中国银保监会舟山监管分局开出的行政处罚信息对外披露，中信银行舟山分行存在贷款资金转存本行结构性存款及定期存单，虚增存款业务；发放用途不真实贷款，贷款资金被挪用的违法违规事实，依据《中华人民共和国商业银行法》第七十四条；《中华人民共和国银行业监督管理法》第四十六条，被罚款人民币80万元。
在「新加坡油王」林恩强的兴隆集团惊传倒闭后，汇丰控股（HSBC）据悉已请求法院将新加坡另一家石油交易商ZenRock置于「司法管理」（judicial management），试图限制在石油交易业的潜在信用损失。
彭博引述消息人士指出，欧洲最大银行汇丰4日向新加坡高等法院提起声请，请求将ZenRock商品交易公司置于所谓的「司法管理」（这是一种债务重整形式，由第三方经营这家公司）。汇丰建议由KPMG主持这项「司法管理」程序。
在知名的新加坡石油交易商兴隆集团宣告倒闭、积欠23家银行近40亿美元的债务之后，汇丰和其他银行正在加紧努力，以避免更多损失。汇丰在兴隆的暴险最多，有6亿美元，而该银行提供ZenRock的信用据了解不到5,500万美元。
汇丰拒绝评论，ZenRock也未回应这项报导。但消息人士说，预定6月11日召开一场审前会议。
为了回应市场对其财务状况的臆测，ZenRock上个月发表一项声明，表示该公司并未接受法定重组或破产保护。一位知情人士说，该公司仍在营运，并正在与其他债权银行合作，以协商一项整顿共识。
根据ZenRock向主管机关申报的资料，除了汇丰外，该公司还与Natixis和华侨银行等其他银行有贸易融资安排。这些银行的代表拒绝置评。但根据向新加坡监管机构提交的文件，截至4月23日，ZenRock已偿还荷兰银行（ABN Amro Bank NV）的欠债。
欧洲央行(ECB)周四对德国宪法法院试图限制其购买政府债券权力的裁决予以回击，称其“比以往任何时候都更加坚决”地要将欧元区拉出近一个世纪来最严重的经济危机。
德国最高法院周二裁决，德国央行必须在未来三个月内停止按照欧洲央行的长期刺激计划购买公债，除非欧洲央行能证明其必要性，这引发了对该计划和欧元未来的质疑。
但欧洲央行总裁拉加德表示，欧洲央行“没有被这一裁决吓住”，将采取一切必要措施实现其法定目标，即将通胀率重新拉回到略低于2%的目标。
“我们是一个独立的机构，对欧洲议会负责，受到法定使命的驱使，”拉加德在网络研讨会上说，“我们将继续做任何需要做的事情……履行这一使命。”
“我们不会被吓住，我们将继续这样做。”
欧洲央行今年有望购买约1.1万亿欧元债券，使其资产负债表规模达到近4万亿欧元，以帮助各国政府、家庭和企业应对冠状病毒疫情。
记者：从历史角度俯瞰，如何看待此次的新冠病毒危机？
桥水基金创始人雷伊·达里奥：自新冠病毒危机发生之前开始，经济已经处于非常不稳定的状态，新冠病毒点燃了导火索，可以说经济的恶化顺理成章。在像美国那样高水平债务和贫富差距扩大的国家，中央银行发挥的作用已达到极限。这与1930年至1945年发生的经济与金融危机非常相似。
中央银行和政府借通过印刷用于资产购买的纸币，利用新创造的金钱和信用，拼命填补收入和资产负债表出现的巨大窟窿。但是，如果个人、企业乃至国家都没有储蓄，将在不久后面临破产。正如1930年至1945年发生的那样，地缘政治的势力均衡将瓦解，世界秩序将明显改变。无论是国家之间还是国内，围绕财富和权力的对立都将激化。如1945年以后的世界发生的那样，围绕财富的重新分配，将发生资本主义和社会主义这两个极端的对立。
温州银行原党委委员、副董事长、行长吴华（正处级）涉嫌受贿罪等职务犯罪一案，由温州市监察委员会调查终结，移送检察机关审查起诉。经审查，2020年5月7日，温州市人民检察院依法对吴华作出逮捕决定。案件正在进一步办理中。
来源：温州检察
Wells Fargo on Tuesday disclosed that federal and state authorities are investigating its lending practices under a key small business relief effort to combat the economic damage from the novel coronavirus.
Wells Fargo did not offer details on the probes, saying only that government agencies are looking into loans it made through the government’s $660 billion Paycheck Protection Program, or PPP, which offers forgivable 1% interest loans to businesses with fewer than 500 workers. The banking giant also said that some of the inquires have progressed to the formal stage. Wells Fargo made the disclosure in its quarterly earnings filing with the Securities and Exchange Commission.
Wells Fargo has come under fire for its limited participation in the government’s small business relief program. Just days after the program launched last month, the company announced it would no longer accept applications, in part because the Federal Reserve had capped how many loans it could make as punishment for past banking practices.
The U.S. central bank in 2018 limited the amount of loans Wells Fargo can make after the bank was earlier revealed to have created millions of phony accounts, as well as committed a string of other consumer abuses.
At the time of the PPP’s launch, Wells Fargo said it would limit the amount of money it loaned through the program to $10 billion and that it would lend only to companies with fewer than 50 employees or to non-profits.
A few days later the Fed announced it was lifting Wells Fargo’s lending cap to accommodate more PPP lending, and Wells Fargo said it would resume issuing loans under the program.
A number of big banks have been accused of putting larger businesses ahead of smaller firms in order to boost their profits from administering PPP loans. Over 220 public companies have disclosed receiving PPP loans, including well known public companies like Shake Shack and AutoNation. The latter two and others later returned or canceled the funding amid public outrage that money from the small business program was going to larger businesses with other financing options.
In mid-April, CBS MoneyWatch reported that JPMorgan Chase had made a number of the largest PPP loans. Wells Fargo is the only big bank so far to disclose that its participation in the program is under investigation.