明确了！全部叫停！
<p style="white-space: normal; outline: 0px; max-width: 100%; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="font-size: 15px; text-indent: 2em; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 近日，银保监会发布通知，明确：</span><span style="font-size: 15px; text-indent: 2em; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(30, 90, 162); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">严禁挪用各种贷款包括经营贷、消费贷投机炒作茅台酒、名贵普洱茶等高端消费品；禁止“墓地贷”“美丽贷”“彩礼贷”等消费信贷产品。</strong></span><br/></p><h2 style="white-space: normal;"><section><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><img data-galleryid="" data-ratio="0.4981481481481482" data-s="300,640" data-type="png" data-w="1080" src="http://www.320924.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/gVKh6n51Xv5dTQ20MxY52jvuNxxAfxLICkYLvynWfvDOLUFNOiamOFTMCIibSx36q5EejlxYCZFCNM8u1zRjVhUw/640?wx_fmt=png" style="outline: 0px;letter-spacing: 0.544px;border-width: 1px;border-style: solid;border-color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"/></section><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(30, 90, 162);box-sizing: border-box !important;overflow-wrap: break-word !important;">《关于服务煤电行业正常生产和商品市场</span></strong></span></section><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(30, 90, 162);box-sizing: border-box !important;overflow-wrap: break-word !important;">有序流通保障经济平稳运行有关事项》</span></strong></span></section><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;">各银保监局，机关各部门：</span></section><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;">为维护煤电行业和商品市场正常秩序，助力做好保供稳价工作，严防利用银行保险资金囤积居奇、哄抬价格，保障经济社会高质量发展，现将有关事项通知如下：</span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">一、切实提高思想认识。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">要从讲政治的高度认识做好当前保供稳价工作的重要意义，坚决贯彻落实党中央、国务院决策部署，心怀“国之大者”，牢固树立以人民为中心的发展思想，贯彻新发展理念，坚持系统观念和底线思维，守土有责、守土尽责，处理好发展与减排、整体与局部、短期与中期长期的关系。指导银行保险机构自觉落实宏观调控政策，千方百计加大对保供稳价支持力度，保障群众基本生活和经济平稳运行。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;">二、保障煤电、煤炭、钢铁、有色金属等生产企业合理融资需求。</span></strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">督促银行保险机构特别是开发性、政策性银行，国有大型商业银行，全国性股份制银行，全力做好今冬明春能源电力保供金融服务工作，满足能源电力供应合理资金需求。对符合支持条件的煤电、煤炭、供暖等企业建立快速响应机制，开辟绿色办贷通道，优先安排贷款审批投放，确保人民群众温暖过冬。要指导银行保险机构积极配合地方政府，支持山西、陕西、内蒙古、新疆等煤炭主产区和重点煤炭企业增加电煤供应。支持钢铁、有色金属等传统产业改造升级，促进更多资金投向能源安全保供和绿色低碳发展领域，推进绿色高质量发展。对短期偿付压力较大但符合支持条件的企业或项目，在风险可控、自主协商的基础上，可予以贷款展期、续贷。根据需要适当提高不良贷款监管容忍度。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">三、严防银行保险资金影响商品市场正常秩序。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">严禁挪用套取信贷资金或绕道理财、信托等方式，违规参与煤炭、钢铁、有色金属等大宗商品投机炒作、牟取暴利。严禁挪用各种贷款包括经营贷、消费贷投机炒作茅台酒、名贵普洱茶等高端消费品，防止资本无序扩张。严禁银行保险资金违规流入股市、债市、期市，影响大宗商品价格，避免脱实向虚、空转套利。严禁对符合支持条件的煤电、煤炭等企业和项目违规抽贷、断贷，防止运动式减碳和信贷“一刀切”。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">四、积极推动消费信贷规范健康发展。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">推动健全有利于消费信贷可持续发展的管理制度和指标体系。坚持依据客户还款能力合理授信，不得诱导金融消费者盲目借贷、过度超前消费。规范信用卡经营行为,严控单一客户发卡数量和授信额度，规范分期管理，不得通过诱导“过度分期”等方式侵害金融消费者权益，防止以卡养卡、以贷还贷，助长过度负债。规范银行机构与消费金融公司等非银行金融机构业务合作，审慎开展与助贷机构的业务合作，不得提供显著高于市场利率的消费信贷产品。大力弘扬社会主义核心价值观，银行机构不得开发违反公序良俗、助长社会陋习和不良风气的“墓地贷”“美丽贷”“彩礼贷”等消费信贷产品，坚决打击各种“伪创新”。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">五、切实加强和改进信贷管理。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">督促银行机构及时主动调整完善信贷政策，相关授信条件应严格遵循相关法律法规，以宏观经济政策、产业政策、投资政策和环保政策为导向，不得高于国家标准，防止抬高融资准入门槛。要严格落实贷前调查、贷中审查、贷后管理要求，不得放松信贷用途管理和真实性查验，防止信贷资金被套取和挪用。要坚持业务发展和风险防控并重，坚决压缩退出过剩产能贷款，不得继续支持长期亏损、失去市场竞争力的“僵尸企业”，加快不良资产核销进度，防止信贷资源被长期低效占用。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">六、认真做好机构排查工作。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">要压实银行保险机构主体责任，全面排查不当做法和异常交易，扎实做好自查自纠。建立问题清单和整改台账，及时采取有针对性的整改措施。对于重大违法违规问题， 做到该处理就处理、该问责就问责、该移送就移送。以本次自查排查为契机，加强内控管理，构建常态化监测排查机制。要求各银行保险机构于2021年12月31日前向银保监会、属地派出机构报送排查和整改报告。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 15px;"><span style="outline: 0px;max-width: 100%;color: rgb(30, 90, 162);letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">七、认真开展监管检查。</strong></span><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;">要坚决扛起监管责任，保持高压态势，将严查银行保险资金违规流向商品市场与四季度现场检查项目结合起来，根据机构排查情况，采取专项检查、重点抽查等方式，打击银行保险资金被挪用于投机炒作、囤积居奇、哄抬价格等违法违规行为。对机构自查不认真、没有主动报告和性质恶劣的行为依法采取监管措施，及时启动行政处罚程序，依法依规严肃问责。</span></span></p><p style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;">特此通知。</span></p><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: right;margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;">中国银保监会</span></section><section style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: right;margin-top: 5px;margin-bottom: 5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(0, 0, 0);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;">2021年10月4日</span></section><section style="outline: 0px; max-width: 100%; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 1.5px; background-color: rgb(255, 255, 255);">内容来源中国银保监会</span><br/></section></section></h2><link rel="stylesheet" href="http://www.320924.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_l3v" id="wcn_editor_css"/>
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