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银监系统今年罚单金额已超去年全年 强监管风暴持续

2017-08-16 06:33:25   央广网

强监管风暴持续 信贷和同业业务等领域问题频发

银监系统今年罚单金额已超去年全年

银行业强监管大幕拉开,银监会及各地银监局针对银行开出罚单的密度和强度也远超去年。截至8月15日,来自银监会和各地银监局网站公布处罚信息显示,银监系统今年共披露1649张罚单,包括银监会25张,银监局490张,银监分局1134张,覆盖国有大行、股份制银行和城商行等各类银行机构,主要涉及领域包括信贷、票据、信披违规、违反审慎经营、挪用资金等几大类。

数据显示,2016年银监会共处罚银行业机构631家,罚没金额2.7亿元,而今年截至第二季度,银监会系统处罚金额就已接近3.4亿。

8月11日,上海银监局开出6张罚单,花旗银行、上海银行、华夏银行、天津银行、农业银行位列其中,华夏银行收到两张罚单,花旗银行则收到迄今银监局层面对商业银行做出的最高罚款,单张罚单金额高达1064万。

在目前监管层作出的行政处罚中,因信贷业务问题受到处罚的案例最多,主要违法违规事实集中在以贷转存等方式虚增存款、违规授信、贷款五级分类违规等,其中一线城市银行及分行信贷违规多涉及房地产领域。

除信贷业务外,同业票据业务也是处罚“重灾区”。业务审慎经营违规成为处罚主要案由,具体原因包括:承兑汇票业务严重违反审慎经营规则、办理无真实贸易背景贴现业务等。

业内人士认为,同业业务违规高发与近几年银行盈利模式的转变有关。银行同时面临“资金荒”和“资产荒”,在市场流动性较为宽松和部分银行规避监管的背景下,一些同业业务迅速做大,但同时也带来一些风险。中国社科院金融所银行研究室主任曾刚在接受记者采访时指出,宏观上看,这些问题的出现会导致资金空转,脱实向虚,加大金融市场波动;微观而言,大量同业套利过程导致风险没有被充分反映,金融市场的套利活动加重,容易导致新的风险出现。

通过对各类罚单类型的梳理可以看出,受处罚领域与银监会此前提出的四大风险点以及自查整改内容吻合,监管重点集中在不良资产、跨市场和跨行业产品、房地产市场等。曾刚认为,虽然银监会监管范围遍及银行所有主要业务方面,但受处罚的领域多是近年来发展较快,创新较多,市场化程度较高的新兴业务领域,而这类业务问题频发一方面是由于监管规则的滞后性导致规则不明确,另一方面银行自身风险管理不完善。记者 张莫 实习记者 向家莹

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