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银行屡接征信罚单 光大银行三支行被罚17.4万元

2017-09-08 09:32:13   中国经济网

9月5日,中国人民银行泉州市中心支行(下简称“泉州中支”)公布对光大银行南安支行、丰泽支行、晋江支行的行政处罚决定书。

公告称,因违反《征信业管理条例》有关规定,央行泉州中支对光大银行泉州南安支行、光大银行泉州丰泽支行和光大银行泉州晋江支行三家支行合计处以17.4万元罚款。

而金融机构接到征信罚单并非 个案,据21世纪经济报道记者不完全统计,央行2015年以来已经开出超过80张征信罚单,处罚对象涉及银行、农信社、征信机构、消费金融公司、小贷公司、汽车金融公司等多类金融机构。

其中,银行虽然在技术、制度、管理上都更为成熟和规范,但银行收到的罚单却最多,已超过60起。从被处罚的银行名单看,从政策性银行国开行,到国有大行性质的中国银行、农业银行等。同时也不乏股份行,如民生银行、平安银行、光大银行等。而城商行、农商行也有收到罚单,几乎全类别的银行机构也都有涉及,且不少银行不止一次收到过处罚。

本次有三家支行受到处罚的光大银行也并非第一次接到征信罚单,其济南分行在今年3月因违反《征信业管理条例》被罚10万,2016年11月光大银行锦州分行也曾收到两份征信罚单。有业内人士指出,征信违规受罚并不是个别机构的问题,同样属于行业问题。

确实存在利益与合规博弈

此次对光大银行泉州三家支行的行政处罚决定书中,央行并未给出其具体违规条款的说明。21世纪经济报道记者就此次处罚的具体原因和整改措施向光大银行问询,其办公室相关负责人表示正在核实中,暂时没有给出具体说明。

21世纪经济报道记者统计此前央行出具的征信罚单,给出违规具体说明的原因一般为未经授权查询个人或企业的信贷信息、安全管理和未按规定上报个人信息。

华南某股份行信贷业务人士对21世纪经济报道记者表示,银行目前征信业务存在可能不规范的地方主要有两个环节。一是查询客户征信信息前必须获得客户授权,如果没有授权或者先查询后授权都是违规的。二是查询到的客户信息只能用于相关业务开展,使用后必须做好保密工作,如果泄漏属于违规,对客户个人信息安全会造成恶劣影响。

该人士还指出,虽然银行在所有金融机构中管理、风控最为专业,也最受客户信任,但是往往在实际业务中会出现种种问题,有些甚至是利益和合规的博弈,让银行铤而走险。

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