---
title: "CBHB Zhengzhou Branch was fined 3.5 million yuan for inflating business scale by issuing pledge loans against certificates of deposit with no actual use; loan repayments were made using the bank's acceptance bills; the \"three checks\" for loans were not in place, leading to the misappropriation of loan funds; rolling invoices inflated business scale; the bank acceptance bill business did not strictly review the authenticity of trade backgrounds, resulting in discount funds flowing back to the issuer's shareholders; personal mortgage loans had inadequate pre-loan document reviews, failing to detect false down payment certificates; and violations in loan business operations"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/287986136.md"
description: "The Zhengzhou branch of CBHB was fined 3.5 million yuan by the Henan Financial Regulatory Bureau for issues such as illegally issuing pledge loans against deposit certificates with no actual use and misappropriation of loan funds. The reasons for the penalty include inadequate \"three checks\" on loans, failure to strictly verify the authenticity of trade backgrounds, and lax review of personal mortgage loan documentation"
datetime: "2026-05-29T00:17:11.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/287986136.md)
  - [en](https://longbridge.com/en/news/287986136.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/287986136.md)
generator: "portal-rs"
---

# CBHB Zhengzhou Branch was fined 3.5 million yuan for inflating business scale by issuing pledge loans against certificates of deposit with no actual use; loan repayments were made using the bank's acceptance bills; the "three checks" for loans were not in place, leading to the misappropriation of loan funds; rolling invoices inflated business scale; the bank acceptance bill business did not strictly review the authenticity of trade backgrounds, resulting in discount funds flowing back to the issuer's shareholders; personal mortgage loans had inadequate pre-loan document reviews, failing to detect false down payment certificates; and violations in loan business operations

According to the information disclosure form of administrative penalties from the Henan Regulatory Bureau of the National Financial Supervisory Administration released on May 28, the Zhengzhou branch of CBHB was penalized for issuing pledge loans against deposit certificates with no actual purpose, inflating business scale; repaying the bank's acceptance bills with loans; failing to conduct thorough "three checks" on loans, leading to the misappropriation of loan funds; rolling invoices to inflate business scale; not strictly reviewing the authenticity of trade backgrounds in bank acceptance bill business, resulting in discount funds flowing back to the issuer's shareholders; and inadequate pre-loan document review for personal mortgage loans, failing to detect false down payment certificates; and violating loan business regulations, resulting in administrative penalties from the Henan Financial Regulatory Bureau.

Penalty details: A fine of 3.5 million yuan

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**