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银监会1970张罚单落地 剑指金融乱象

2017-09-20 07:22:08   中国经济网

■见习记者 孟 珂

自今天3月份,银监会以8份加强银行业监管的文件拉开银行业最强监管序幕后,其官网上陆续公布行政处罚信息。据《证券日报》记者统计,截至9月19日,银监会及各地银监局共开出罚单1970张,其中,银监会机关开出25张,银监局开出533张,各地银监分局开出1412张。覆盖国有行、股份行、城商行等各类银行机构,涉及领域包括信贷、票据、信披违规、违反审慎经营、挪用资金等五大类。

在中国银行国际金融研究所资深研究员张兴荣看来,银监会及各地银监局开出的罚单,折射出银行业共性管理问题存在以下四点:一是部分员工职业素质欠缺;二是规章制度不严不实,银行在关键流程和节点的管控上存在问题;三是,有规不依、执行不严;四是,道德风险与内外部欺诈问题。

民生银行首席研究员温彬9月19日在接受《证券日报》记者采访时表示,近年来,随着金融市场化进程加快以及银行竞争压力加大,个别银行机构为追求盈利而忽视风险管理、法律合规意识淡化,进而出现一些金融乱象,不仅导致部分业务脱实向虚,也增加了银行机构自身风险。监管部门通过加强金融监管,强调依法合规经营,引导银行机构在防风险前提下增强支持实体经济力度。

谈及如何防范短期声誉风险、完善长效违规防控机制,中信银行办公室研究规划处中级经理谢立志表示,首先,要做到关注舆情变化,落实声誉风险应对预案。其次,正确认识罚单问题,防范两种倾向。一种倾向是罚单金额相对于银行总体盈利而言,占比较小,属于合理的监管“成本”,不必小题大做;另一种倾向是过于强调合规问题,不分情节轻重对违规人员一律严加惩处,在内控上“叠床架屋”,使得基层不堪重负,严重挫伤员工积极性,导致业务停滞不前。再次,建立全面的罚单跟踪处置系统,借以提升管理成效。此外,完善制度流程,提升整改问责的工作质效。最后,持续开展风险合规文化建设,强化队伍建设,形成良好风气。

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