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银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿
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Topic: 银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿 (Read 118 times)
todaykky
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银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿
December 09, 2017, 05:58:21 AM
#1
今年以来,银监会坚决贯彻以习近平同志为核心的党中央关于防范和化解金融风险的总体要求,落实国务院的具体部署,聚焦重点风险领域和社会关切,把查处银行业大要案作为强监管的有力抓手,坚决治理市场乱象,打击违法违规行为。经过立案、调查、审理、审议、告知、陈述申辩意见复核等一系列法定程序后,银监会于2017年11月21日向广发银行发出行政处罚决定书,依法查处了广发银行惠州分行违规担保案件。
2016年12月20日,广东惠州侨兴集团下属的2家公司在“招财宝”平台发行的10亿元私募债到期无法兑付,该私募债由浙商财险公司提供保证保险,但该公司称广发银行惠州分行为其出具了兜底保函。之后10多家金融机构拿着兜底保函等协议,先后向广发银行询问并主张债权。由此暴露出广发银行惠州分行员工与侨兴集团人员内外勾结、私刻公章、违规担保案件,涉案金额约120亿元,其中银行业金融机构约100亿元,主要用于掩盖该行的巨额不良资产和经营损失。
案发后,银监会高度重视,立即启动重大案件查处工作机制,牵头组织相关部门和地方政府成立风险处置部际协调小组,多次召开部际联席会议,采取强有力的措施摸清底数、处置风险、完善规制、堵塞漏洞,督促相关机构妥善解决个人投资者兑付问题,坚决查处违法违规行为,全力维护社会稳定和金融安全。
这是一起银行内部员工与外部不法分子相互勾结、跨机构跨行业跨市场的重大案件,涉案金额巨大,牵涉机构众多,情节严重,性质恶劣,社会影响极坏,为近几年罕见。案发时该行公司治理薄弱,存在着多方面问题。一是内控制度不健全,对分支机构既存在多头管理,又存在管理真空。特别是印章、合同、授权文件、营业场所、办公场所等方面管理混乱,为不法分子从事违法犯罪活动提供了可乘之机。二是对于监管部门三令五申、设定红线的同业、理财等方面的监管禁令,涉案机构置若罔闻,违规“兜底”,承诺保本保收益,严重违反法律法规,严重扰乱同业市场秩序,严重破坏金融生态。三是涉案机构采取多种方式,违法套取其他金融同业的信用,为已出现严重风险的企业巨额融资,掩盖风险状况,致使风险扩大并在一部分同业机构之间传染,资金面临损失,削弱了这些金融机构服务实体经济的能力。四是内部员工法纪意识、合规意识、风险意识和底线意识薄弱,有的甚至丧失了基本的职业道德和法制观念,形成跨部门作案小团体,与企业人员和不法中介串通作案,收取巨额好处费,中饱私囊。五是经营理念偏差,考核激励不审慎,过分注重业绩和排名,对员工行为疏于管理。在“两个加强、两个遏制”等多次专项治理中,均未发现相关违法违规问题,行为排查和内部检查走过场。
银监会坚持以事实为依据,以法律法规为准绳,对广发银行的违法违规行为作出处罚。机构方面,对广发银行总行、惠州分行及其他分支机构的违法违规行为罚没合计7.22亿元,其中,没收违法所得17553.79万元,并处以3倍罚款52661.37万元,其他违规罚款2000万元。人员方面,对广发银行惠州分行原行长、2名副行长和2名原纪委书记分别给予取消五年高管任职资格、警告和经济处罚,对6名涉案员工禁止终身从事银行业工作,对广发银行总行负有管理责任的高级管理人员也将依法处罚。目前,上述6名涉案员工已被依法移交司法机关处理。同时,银监会责成广发银行总行按照党规党纪、政纪和内部规章,对总行相关高管及责任人员严肃处理。
通过依法查处该案,广发银行深刻认识到内控管理和业务经营中存在的严重问题,痛定思痛,深入反思,严肃问责,有效弥补制度短板,切实提高执行力。目前,广发银行主要股东积极履行法定责任,班子成员认识统一,员工队伍稳定,内控管理得到加强,主要监管指标符合监管要求,主要经营数据稳中有升,总体经营情况正常。
下一步,银监会将认真贯彻落实党的十九大和全国金融工作会议精神,坚持“监管姓监”,依法加大监管力度,不断深化整治银行业市场乱象工作,严肃查处各类违法违规行为。同时积极引导银行业金融机构找准定位,回归本源,切实提高内控合规水平,使铁的制度、铁的纪律得到铁的执行,真正形成“不敢违规、不能违规、不愿违规”的银行业合规文化,确保银行业依法合规稳健运行。
bailunfaa
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Activity: 245
Merit: 250
Re: 银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿
December 09, 2017, 06:43:52 AM
#2
哪里都不是法外之地,银行员工内外勾结,私刻公章,违规担保,胆子也太大了,罚的好。听说是银监会最大罚单?这么大的惩治力度,希望能够杜绝此类事情再次发生。
entelr
Newbie
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Activity: 57
Merit: 0
Re: 银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿
December 09, 2017, 10:16:27 AM
#3
罚了这么多的钱有点可怕啊。
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银监会开出天价罚单:广发银行因侨兴债被罚没7.22亿
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