问题 问答题 案例分析题

某次检查中发现,XX市城投公司以未获批项目在两个月内从两家银行取得贷款270亿元。其中,2010年12月31日和2011年1月4日,从XX银行取得2笔金额共计50亿元的流动资金贷款,用于两个项目前期启动资金。2011年2月11日和25日,从另一银行取得2笔金额共计220亿元的流动资金贷款,用于地铁2、3、5、6号线项目建设。截至检查日,地铁5、6号线项目均未取得国家有权部门批复文件。2010年X月,XX市城投公司将4笔共计260亿元贷款转为定期存款,占贷款总额的96.3%。2011年X月,XX市城投公司将XX银行5820万元贷款资金直接用于支付该行贷款利息。

问题:

从上述案例中,银行有哪些违规之处?

答案

参考答案:

1项目手续不全而发放贷款;

2项目贷款以流动资金贷款形式方放,违反银监会“三个办法、一个指引”之规定;

3项目重复融资;

4融资款未采用受托支付方式对外支付而转化为存款;

5以贷收息。

该公司以未获批项目取得贷款。银行应该发放贷款前严格审查贷款项目是否应以审批/核准、备案的方式获得政府批准,建设投资批准文件是否由政府有权部门下发。根据2004年国务院关于投资体制改革的规定:1.使用政府投资的建设项目,仍实行审批制,项目应持政府有权部门的审批文件。2.不使用政府投资的建设项目,一律按最新的投资项目目录实行核准制或备案制。

流动资金贷款用于借款人日常生产经营周转的本外币贷款,不可作为项目启动资金。项目的启动资金可以用货币出资,也可以用实物、知识产权、土地使用权等可以用货币估价并可依法转让的非货币财产作价出资。银行贷款不得认定为项目资本金。

应严格监管贷款资金用途。要求流动资金贷款须按合同约定用途使用,流动资金贷款不得挪用于固定资产建设和股权投资。

选择题
阅读理解

It was Mary’s birthday.Her uncle wrote a letter and told her he would like to send her some chickens.She was very happy because she liked eggs and chicken.”I can keep the chickens for their eggs or eat them,”she thought.

When the chickens arrived the next day, they were all in a box.Mary took the box off the truck and began to carry it into her garden,but the box of chickens was so heavy that she dropped(落下)it.The chickens all ran out.They ran here and there.Mary spent hours in trying to find them.

A few hours later her uncle came.He asked.”Did the chickens arrive safely?” ”Yes,but I dropped the box.The chickens ran everywhere.It took me the whole morning to look for them,”Mary said.

“Did you find them all?” asked her uncle.”I hope so,”Mary answered,”But l only caught(抓住)eleven of them” “That’s very interesting.I only sent you six.”her uncle laughed.

小题1:Mary got a letter from her _____.

A.aunt

B.uncle

C.grandfather

D.friend小题2:When she got the letter, Mary was ______.

A.happy

B.sad

C.tired

D.unhappy小题3:Why did Mary drop the box?

A.Because she didn’t like the present.

B.Because the box was too heavy.

C.Because she wanted to 1et the chickens go out.

D.Because she couldn’t wait to look at her present.小题4:It took Mary _____ to find the chickens.

A.an hour

B.two hours

C.three hours

D.the whole morning小题5:Did Mary know how many chickens her uncle sent her?

A.Yes.she did.

B.Her uncle knew.

C.Maybe she knew.

D.No,she didn’t.