Anti-corruption in the financial sector: Strictly investigate the problems of using loans for personal gain, oversight failure, and relying on the industry
Financial anti-corruption efforts continued to increase.
The Fourth Plenary Session of the 19th Central Commission for Discipline Inspection called for "deepening the anti-corruption work in the financial sector." According to the case reported on the website of the Central Commission for Discipline Inspection and the State Supervision Commission last year, the party members and cadres in the financial sector investigated were mainly from the following industries:
banking.
For example, Li Boyan, a full-time review member of the Export-Import Bank of China, Wu Rui, former party committee member and vice president of the Sichuan Branch of the Agricultural Bank of China, and Wang Yingkui, former deputy general manager of the ICBC Corporate Financial Business Department.
Among the party members and cadres of centrally managed financial institutions under review this year, more than 40% are from banks.
Financial supervision department.
For example, Mao Bihua, the former party secretary of the Chongqing Supervision Bureau of the China Securities Regulatory Commission, Liu Wenyi, a secondary inspector of the Liaoning Supervision Bureau of the China Banking and Insurance Regulatory Commission, etc.
Non-bank financial institutions.
For example, Li Jiajun, former party secretary and chairman of SINOMACH Finance Co., Ltd., and Niu Zhigang, party committee member and deputy general manager of Qinghai Credit Guarantee Group Co., Ltd., etc.
Observing anti-corruption in the financial sector, the following features are prominent:
1. A number of bank presidents have fallen off their horses, focusing on the issue of credit approval corruption.
Many of the leading cadres of the banking system investigated and dealt with last year had a prominent problem: using the power of credit approval for personal gain.
For example, Guo Jizhuang, former party secretary and president of China Construction Bank Qinghai Branch, Ma Xiao, former party committee member and vice president of Bank of Communications Hebei Branch, Guo Lin, former executive committee member of China Development Bank, and Yu, former party secretary and president of China CITIC Bank Harbin Branch Cheng Xin and others all used their positions in credit approval and other aspects to benefit others and receive huge amounts of property.
One of the main manifestations of using loans for personal gain is to give and receive privately and improperly with loan customers.
For example, Guo Jizhuang frequently accepts golf activities provided by credit customers, Ma Xiao accepts travel arrangements for loan customers, Guo Lin sells his own house to branch loan customers at a price significantly higher than the market price, and Yu Chengxin illegally accepts loan customers gifts...Loans Clients give benefits, bank executives approve loans, forming a chain of interests between "hunting" and being "hunted", and the core power of the bank-credit approval, has become a "commodity" in the power and money trading market.
Some cases exposed common problems such as over-authorization of the head office, concentration of power in certain positions, and focus on business development of branches and light post-loan management.
Disciplinary inspection and supervision agencies, while intensifying investigation and handling and forming a deterrent, put forward targeted supervision recommendations, demanding that the credit decentralization control mechanism be improved and improved, and the supervision of branch presidents, risk directors and heads of credit line departments and other high-risk positions should be strengthened .
2. Eliminate ghosts in financial supervision and promote strong supervision with strong supervision.
The “savage release of the brutal expansion of the regulated institutions” and the “serious failure of supervision” appeared in the sanctions notices of some financial supervisors last year.
Last year, the website of the State Supervision Commission of the Central Commission for Discipline Inspection released the former party secretary and director of the Fujian Supervision Bureau of the China Banking and Insurance Regulatory Commission, Qi Xinzheng, and the former party secretary and director of the Shanxi Supervision Bureau of the China Banking Regulatory Commission Zhang Anshun, and other 10 leading cadres of financial supervision departments under review and investigation or subject to party discipline. News of administrative sanctions.
A small number of financial regulatory cadres collude with employees of financial institutions and unscrupulous business owners to form a chain of corruption interests.
Some people use supervisory powers to accept property from private business owners and to "escort" some illegal financial behaviors. For example, Qi New Deal abuses administrative approval powers, violates licensing conditions and procedures, provides help for illegal businessmen to obtain insurance agency licenses, and intervenes in violation of laws and regulations by insurance institutions. Administrative penalties for business operations.
Some people have accepted bribes from regulated institutions, and the supervision has seriously “released water”. For example, Jia Qizhen, the former party committee member of the Inner Mongolia Supervision Bureau of the China Banking and Insurance Regulatory Commission, has long acquiesced and condoned the brutal expansion and illegal operations of the regulated institutions, and the supervision has seriously failed.
The financial supervision department is the bottom line to prevent systemic financial risks.
Once the "gatekeeper" fails to guard, abuse of supervisory power for personal gain will seriously damage the authority and seriousness of supervision and boost financial risks.
Regarding such regulatory corruption, the discipline inspection and supervision organs maintain high-pressure investigations and deal with them together. They found that they were investigated and dealt with together to promote the construction of the financial supervision department to improve the system, regulate management and exchanges, and promote strong supervision with strong supervision.
3. Strictly investigate issues such as reliance on food and business, illegal business operations and other issues.
“Rely on banks to eat banks, run businesses in violation of regulations and seek benefits by conducting business with this unit, and rent real estate to this unit in violation of regulations for profit”, this issue attracted attention in the notice of the punishment of Ma Xiao.
Relying on the business to eat the business and to be the official and business is a prominent problem for some party members and cadres in the financial sector. In addition to Ma Xiao, Liu Jinming, the former party committee member of the Banking and Insurance Regulatory Bureau of Inner Mongolia, illegally bought shares in banking institutions for profit. Participation in shares, part-time employment.
Many criminal methods cover people's eyes and eyes, put on new vests, and let others hold shares, stocks, and real estate on behalf of others. For example, Liu Fuguo, the former chief auditor of Bank of China Ningxia Branch, violated the regulations and invested in related enterprises in the name of others; Hold on behalf of specific related parties.
With the continuous deepening of the reform of the discipline inspection and supervision system, the National Supervision Commission of the Central Commission for Discipline Inspection has directly assigned 15 centrally managed financial companies, including major state-owned banks, China Development Bank, CITIC, and PICC, to the discipline inspection and supervision team, and assigned corresponding supervision powers.
The anti-corruption in the financial sector continues to increase, and the anti-corruption effectiveness is continuously improved to help prevent and resolve financial risks and serve the overall situation of financial reform, development and stability.
Zhang Yan