民行(01988.HK)交行(03328.HK)等遭銀保監罰近3億人幣
銀保監對民生銀行(01988.HK)、上海浦東發展銀行、交通銀行(03328.HK)開展了影子銀行和交叉金融業務專項現場檢查,對中國進出口銀行開展了風險管理和內控有效性現場檢查,對檢查發現的違法違規行為依法嚴肅予以行政處罰。
檢查發現,民生銀行、浦發銀行、交通銀行在同業、理財、委託貸款等業務中分別或同時存在以下問題:內控管理不完善,業務制度不健全,前期檢查發現的部分違法違規行為整改不到位,甚至屢查屢犯;風險隔離不到位,理財產品之間、理財產品與自營業務之間的不當交易仍時有發生;產品管理不規範,未完全執行「穿透式管理」要求,部分理財產品未準確登記、報告和披露底層資產信息;資金投向不合規,為房地產市場或地方政府違規提供融資的情形依然存在等。
對進出口銀行的現場檢查發現以下問題:該行分別於2008年及2010年違規投資企業股權,數額較大,時間持續較長;租金保理業務基礎交易不真實;違反國家壓降地方債務的政策要求,變相支持地方政府舉債等。
經立案調查、審理審議、事先告知和陳述申辯意見复核等法定程序,銀保監會依法就有關違法違規行為予以行政處罰,對民生銀行罰款1.15億元人民幣(下同),對浦發銀行罰款6,920萬元,對交通銀行罰款4,100萬元,對進出口銀行沒收違法所得併處罰款合計7,345.6萬元,並對相關機構的3名責任人員分別予以警告、罰款的行政處罰。
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