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李德林:银行绝对不能成为实业的吸血虫
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Topic: 李德林:银行绝对不能成为实业的吸血虫 (Read 102 times)
qingrong
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李德林:银行绝对不能成为实业的吸血虫
January 29, 2018, 12:44:53 PM
#1
员工刻个萝卜章,就能把银行里的十几亿给套出来。听上去是不是天方夜谭?农行、广发银行都出现过这样荒唐的事儿。没错,在科技飞速发展的21世纪,银行上演的荒唐剧正在不断让行长们丢饭碗。
农行的员工刻了一个萝卜章,给一个资金中介出具了农行介绍信,资金中介带着农行的介绍信,前往平安信托总部,代银行领取了平安信托在农行的开户手续。然后,一帮通过伪造印章、开设分账户的把戏,把平安信托存在农行的钱给洗出去了。神不知鬼不觉,一帮人狂欢,平安信托直到产品兑付期才发现问题。
这个还不是最夸张的,最夸张的是美的集团在农行成都分行的遭遇,作为农行的大客户,准备在农行购买10亿元的理财产品。美的合肥的10亿巨款被介绍到农行成都,客户经理带着美的的一帮人进入行长办公室。令美的万万没想到的是,眼前看到的一切都是假的,居然能在行长办公室遭遇狸猫换太子,10亿巨款追踪被萝卜章给骗走。
同样的把戏在广发银行上演,通过所谓的保函,辗转到其他银行、保险公司。最终流向了阿里旗下的蚂蚁金服,当数万客户难以兑换理财产品时才发现,一切都是假的,萝卜章背后有一个完整的诈骗链条,让马云都背锅了。除此之外,民生、工行、邮储的理财动辄就是几十亿的大案。浦发银行更是闹出了770亿的贷款伪造案,创下了银行造假的新纪录。令银监会主席郭树清都忍不可忍,批评不少银行出现内部人控制,简直就是胡作非为。
银行瞎搞,行长下课。问题的关键是,银行为什么越来越放肆?问题的真正症结在哪里?中纪委点名信贷腐败背后,银行已经成了实业的吸血虫。截止到2018年1月29日,从已经公布业绩快报的13家银行看,他们每天赚6亿多,超过80%上市公司一年的净利润。这13家银行还不包括中行、工行、农行、建行、交行这五大国有商业银行,他们赚的更多。
现在银行的整体规模超过240万亿。其中,2017年前三季度银行贷款余额超过94万亿,A股的总市值才56万亿。银行问题到底有多大呢?反正到2017年三季度末,贷款的关注类超过3.4万亿,所以农行、广发的萝卜章,甚至浦发的700多亿,那都是毛毛雨。银行赚钱太容易,所以很多人通过复杂构架、虚假出资、循环注资要构建一个庞大的金融集团。他们想方设法进入银行想干什么?信贷腐败成为必然。
银行监守自盗,内部员工与外部不法分子相互勾结、跨机构跨行业跨市场,涉案金额巨大,牵涉机构众多。如果他们是看得见的毒瘤,那么商业银行作为公众的金融资源,规模大、业务全,几乎渗透到个人、企业等社会经济的每一个层面。信贷作为银行的核心资产,无论是企业的生产贷款,还是个人的房贷、车贷的审批、定价环节都存在腐败的可能,大案频出意味着银行监管出现大量的问题,中纪委都担心长此以往会令监管失控。以至于刘鹤在达沃斯提出,防控金融风险将是攻坚战。
金融是实业的血液,服务实体经济是银行的责任,现实问题是实体经济贡献了银行的绝对利润。中国经济要想成功转型升级,银行绝对不能成为实业的吸血虫,银行系统更不能容忍信贷腐败,否则毁掉的不仅仅行长们的乌纱,更是整个中国经济。面对行长们丢饭碗,也许,老百姓会说,他们是和尚打伞,无法无天!
hvdvjj
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Re: 李德林:银行绝对不能成为实业的吸血虫
January 29, 2018, 12:52:46 PM
#2
现在存在太多吸血虫,特别是医院,多少家庭都被吸干了
diaonle
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Re: 李德林:银行绝对不能成为实业的吸血虫
January 29, 2018, 12:54:25 PM
#3
怎么可能,银行也要活,也要业绩,交税,还要挣的最多,自然会不择手段,哪有那么听话的
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