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据1995年三季度人民银行长沙分行对全市四家商业银行进行资金来源占用专项检查发现,1995年6月末四家银行不真实存款和贷款合计分别达34亿和29亿多元,其中未并表的存贷款分别占55.59％。58.11％,帐外违规率达11％。而同期检查的某大城市只为2％。这主要是由于“三部一卡”(房地产信贷部、信托部、国际业务部、信用卡部)未并表进行帐外运作,成为各家银行逃避人民银行的监管、办理绕规模及违
According to the special inspection conducted by the Changsha Branch of the People’s Bank of China on the four commercial banks in the city in the third quarter of 1995, the unrealized deposits and loans of the four banks reached 3.4 billion and 2.9 billion respectively at the end of June 1995, of which unallocated Of the deposits and loans accounted for 55.59%. 58.11%, accounting for 11% violation rate. In the same period, only 2% of large cities were inspected. This is mainly because the “Three Cards” (Real Estate Credit Department, Trust Department, International Business Department and Credit Card Department) did not carry out the unorganized operation of the accounts and became the banks that evade the supervision of the People’s Bank of China