SPDB Responded to Anonymus Letter: Staff Housing Loans Under Good Supervision

SPDB Responded to Anonymus Letter: Staff Housing Loans Under Good Supervision
15:03:10 June 20, 2008 Netease Finance

Exclusive Story. On 17th of June, NetEase Finance received a mysterious and anonymus letter from Sajiawan Bay in Nanjing, which described in details the secret and illegal "perk loans" of the bank's RMB4.134 billion (or US$600million) accumulated in a period of 7 years but yet unknown to the public.

On 20th of June, SPDB sent NetEase a reply on exclusive basis and claimed that during the period from 2001 to 2007, the bank has carried out staff housing loan policies. During the years, all the relevant things and data had, in accordance with international and domestic practices, passed the audit examinations and such information has also been disclosed on timely basis. Meanwhile, SPDB had put a series of strict supervision process and operational procedures in place.

Information from the anonynous letter revealed that the interest rate of the perk loan of the employee surnamed Zhao from September 2002 to December 2004 was 1.65% (the contract term is 15 years) and then increased to 1.875% after Jan 2005. The base rate, however was 5.76% for 5+ years loans made by financial institutions, according to the central bank's data on the website. The source told that SPDB has accumulated about RMB 4.13billion of illegal "perk loan" but yet unknown to the public.

In response to the anonymus letter, the speakman for SPDB relied in an official letter that the bank came to attention of the report about illegal perk loan by NetEase.

The full content of the letter is as follows

SPDB, a responsible and public company, has been under operation in compliance with laws and fulfilling the disclosure obligations. As a domestic listed joint-shares commercial bank, we have not implemented "House Giving Benefits". In order to address the problem in relation to the staff housing, the bank had decided to implement "perk loan" policies during 2001 - 2007 with the approval of the Board. During the years, all the relevant things and data had, in accordance with international and domestic practices, passed the audit examinations and such information has also been disclosed on timely basis. Meanwhile, SPDB had put a series of strict supervision process and operational procedures in place.



浦发银行回应匿名信：对员工住房借款有严格管理
2008-06-20 15:03:10　来源: 网易财经　
网易财经独家 6月17日，网易财经收到了一封来自南京萨家湾的神秘匿名信，在这份长达32页的神秘匿名信中，详尽的曝光了上海浦东发展银行（下简"浦发行"）7年间累计约为41.34亿元不为人知的违规"福利房贷"黑幕。
6月20日，浦发银行给网易财经独家发来回应表示，在2001-2007年期间，该行实施了员工住房借款制度，历年来，相关情况和数据均按照国际、国内惯例，通过相关审计，并予以了信息披露。同时，就内部就员工住房借款制度也建立了一整套严格的管理办法和操作流程。
在爆料人提供的资料显示，浦发行的赵姓员工在2002年9月至2004年12月"福利房贷"利率为1.65%（赵姓员工的借贷期限为15年），直到2005年1月才上调至1.875%。而央行网站公布数据显示，2002年2月， 5年以上金融机构人民币贷款基准利率为5.76%。 爆料人称，7年间浦发行存在累计约为41.34亿元不为人知的违规"福利房贷"。
针对匿名信的内容，浦发行发来回应函表示，已经注意到了网易财经对"违规福利房贷"黑幕的报道。
回应函全文如下：浦发银行是一家负责任的上市公司，始终坚持依法合规经营，并认真履行上市公司信息披露义务。作为国内一家上市的股份制商业银行，我行根据国家有关规定，没有实行福利分房制度。为解决员工住房问题，经董事会审议通过，在2001-2007年期间，我行实施了员工住房借款制度。历年来，相关情况和数据均按照国际、国内惯例，通过相关审计，并予以了信息披露。同时，我行内部就员工住房借款制度也建立了一整套严格的管理办法和操作流程。（文/小青）