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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

“举一个例子说明,楼盘开盘的时候很多客户前去抢购,开发商和客户的角度肯定希望当场就能提交所有材料完成签约。这时候购房者买房前最关心的就是这家银行能不能够给我贷款,如果可以这笔交易就能够快速达成。银行要确定能不能给客户贷款,客户财力证明需要查询其征信报告,但是如果按照人行要求需要进行面签并获得其授权资料需要流程,当场是无法完成的。对银行来说,或许意味着将失去这个客户。有些银行可能会采用先查询征信后补授权的方式来适应实际业务需求。”前述银行信贷业务人士道。

该人士还表示,类似的实际业务需求和规定存在冲突的情况还是较多的,各个行的操作方式可能存在不同。有些银行选择和开发商、客户妥协,授权后补,有些银行可能会坚持按照监管规定执行。也看开发商与银行之间谁更强势一些。

另有一位股份行信贷业务人士告诉记者,有些时候银行和开发商的甲乙方位置会对调,比如在按揭业务上,银行的角色很多时候偏乙方。尤其在东南部一些金融机构比较密集的城市,银行间的竞争也比较激烈,确实过去会存在一些合规与利益的冲突,但是随着近期信贷业务紧张和监管审查的越发严格,行业规范性已经大大加强。

行业合规道阻且长

征信违规的另一大风险就是客户的信息安全问题。

央行征信管理局局长万存知在今年6月曾公开指出,征信监管的一个重点是,把握个人的信息安全、保护个人隐私权利,要求征信信息必须合法合规使用,不能泄露、倒卖,更不能拿来犯罪。“假如有机构在这方面踩到红线,要承担法律责任。”

但银行机构工作人员泄露甚至倒卖客户个人信息的情况并不少见。

深圳的杨先生表示,曾在查询个人征信时发现某从未有过授权和业务往来的股份行查询过自己征信的记录,并发现在该行未授权查询自己的征信记录后总是接到贷款和推销房产电话,个人信息疑遭泄露。而朱先生问询该行后,获得的解释是违规查询责任人的登陆口令和密码曾给过其他同事,无法得知究竟是何人所为,且后来银行网点有过迁移,相关电脑资料已丢失,无法追责。可见,银行内部对于客户信息管理确实存在很大隐患。

前述股份行信贷业务人士告诉21世纪经济报道记者,征信相关业务合规检查和监管也存在一定的难度。如果是房贷等贷款业务,相对容易查,每笔业务都有面签、授权书等独立的资料,如果有违规比较容易发现。但如果是信用卡这种客户量特别大的很多时候无从查起,可能必须进驻银行内部,从内部端口系统审查。

有国有大行信贷业务人士对21世纪经济报道记者表示,因为我国征信机制建立较晚,早期金融机构查阅客户信息并无规范性文件,而从2013年开始,各家银行才开始陆续与客户签订个人征信报告查询授权书。这也使得部分银行的存量客户仍然存在没有授权的情况,可能对合规有所影响。

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