Zhongguang Wang Beijing May 8 , according to the voice of 42 -year-old meteorite Hunan Europe in 2006 for the livelihood of credit cards, overdraft has 6 million yuan, in November 2008 , the EU does not fall from the sky began to appear late in repayment . As of the incident , has turned overdrafts 3 times in succession is also a 12 million yuan , still owes more than 7 million.
meteorite with his family in Europe was to pay back the money , but in the process of pay back the money that the banks receive interest on interest on interest is another way of late fees , but also on the central bank's blacklist. Europe simply does not also fall from the sky , and with the banks and the CBRC department lawsuit , the lawsuit is a lost Zaibai , the more interest the more tired . Finally, the Minsheng Bank report , the European meteorites were arrested . To May , the court sentenced to imprisonment for two years in Europe fall from the sky , a fine of 20,000 yuan .
Bank, to recover profits in accordance with the penalty , But the Supreme People's Court
In fact, the Minsheng Bank customers keep up this play with one meteorite Europe , roots in the credit card business rules of the game changed, because the banks a lot of dormant credit card , the CBRC stipulates that the unused credit line of credit will be 50% of the coefficient Be included in weighted risk assets. So there is 1.5 trillion yuan of domestic credit line will be included in risk weighted assets , this will make the lead bank's capital adequacy ratio decreased. That bank will be financing, refinancing is headache.
dormant cards in order to control the banks and credit card is not active , only the pursuit of a single card, maximize the benefits of the EU will fall from the sky so active spending customers, banks can extract oil from the body the opportunity to let go ? Credit Card convenience,borse chanel prezzi
, must be careful when handling rules of the game , when the overdraft must weigh their own financial resources.