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“房姐”龚爱爱事件“后遗症”显现

来源: 南方日报网络版     时间: 2019年09月17日 00:46:48
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(  继)(“房)(姐)(”龚)(爱)(爱)(的)(事)(件)(之)(后)(,神)(木)(农)(村)(商)(业)(银)(行)(股)(份)(有)(限)(公)(司)((以)(下)(简)(称)(“神)(木)(农)(商)(行)(”)的)(贷)(款)(“后)(遗)(症)(”逐)(渐)(显)(现)(出)(来)(了)(。4月)(29日)(,在)(中)(国)(银)(监)(会)(公)(示)(的)(一)(批)(金)(融)(机)(构)(行)(政)(处)(罚)(中)(,神)(木)(农)(商)(行)(因)(严)(重)(违)(反)(审)(慎)(经)(营)(规)(则)(,遭)(榆)(林)(监)(管)(分)(局)(开)(出)(四)(张)(罚)(单)(,同)(时)(该)(行)(董)(事)(长)(余)(清)(才)(也)(因)(参)(与)(了)(违)(法)(行)(为)(的)(决)(策)(,被)(银)(监)(会)(榆)(林)(监)(管)(分)(局)(定)(性)(负)(领)(导)(责)(任)(,处)(以)(6万)(元)(罚)(款)(。
  据)(《中)(国)(经)(营)(报)(》记)(者)(了)(解)(,早)(在)(2013年)(“房)(姐)(”事)(件)(时)(,神)(木)(农)(商)(行)(银)(行)(贷)(款)(较)(重)(视)(“人)(脉)(”就)(一)(直)(被)(媒)(体)(所)(提)(及)(,而)(在)(银)(监)(会)(披)(露)(的)(四)(张)(罚)(单)(中)(,其)(贷)(款)(偿)(还)(风)(险)(已)(然)(显)(现)(。实)(际)(上)(,由)(于)(经)(济)(下)(行)(压)(力)(较)(大)(,农)(商)(行)(、农)(信)(社)(等)(金)(融)(机)(构)(的)(不)(良)(处)(于)(高)(位)(水)(平)(,诸)(如)(神)(木)(农)(商)(行)(等)(金)(融)(机)(构)(在)(贷)(款)(内)(控)(上)(的)(种)(种)(漏)(洞)(也)(难)(以)(遮)(掩)(。
  四)(笔)(违)(规)(贷)(款)(被)(罚)(
  在)(4月)(29日)(银)(监)(会)(榆)(林)(监)(管)(分)(局)(的)(处)(罚)(单)(中)(,神)(木)(农)(商)(行)(的)(4笔)(违)(规)(贷)(款)(浮)(出)(水)(面)(,而)(该)(行)(董)(事)(长)(余)(清)(才)(也)(牵)(涉)(其)(中)(。
  据)(银)(监)(会)(网)(站)(信)(息)(显)(示)(,神)(木)(农)(商)(行)(在)(山)(西)(某)(集)(团)(飞)(机)(制)(造)(项)(目)(没)(有)(取)(得)(相)(关)(土)(地)(审)(批)(手)(续)(的)(情)(况)(下)(,借)(信)(托)(通)(道)(跨)(省)(对)(生)(产)(通)(用)(航)(空)(器)(材)(的)(该)(企)(业)(进)(行)(大)(额)(授)(信)(。该)(笔)(授)(信)(业)(务)(没)(有)(进)(行)(详)(尽)(的)(调)(查)(、审)(查)(、审)(批)(等)(程)(序)(,前)(台)(交)(易)(、中)(台)(风)(控)(、后)(台)(结)(算)(相)(互)(分)(离)(与)(制)(约)(不)(到)(位)(。风)(险)(部)(门)(未)(对)(此)(业)(务)(进)(行)(风)(险)(监)(控)(和)(管)(理)(,相)(关)(经)(办)(、参)(与)(部)(门)(职)(责)(模)(糊)(,流)(程)(不)(清)(晰)(,制)(度)(不)(健)(全)(,造)(成)(信)(贷)(资)(金)(损)(失)(。神)(木)(农)(商)(行)(被)(监)(管)(罚)(款)(22万)(元)(,而)(余)(清)(才)(参)(与)(了)(违)(法)(行)(为)(的)(决)(策)(,起)(到)(决)(定)(性)(作)(用)(,应)(负)(领)(导)(责)(任)(,被)(罚)(6万)(元)(。
  2013年)(4月)(,神)(木)(农)(商)(行)(向)(当)(地)(一)(家)(活)(性)(炭)(有)(限)(责)(任)(公)(司)(发)(放)(流)(动)(资)(金)(贷)(款)(2000万)(元)(,该)(笔)(贷)(款)(“三)(查)(”制)(度)(执)(行)(不)(力)(,调)(查)(报)(告)(仅)(对)(担)(保)(人)(的)(资)(信)(状)(况)(进)(行)(了)(文)(字)(性)(描)(述)(,没)(有)(担)(保)(人)(收)(入)(、资)(产)(的)(书)(面)(证)(明)(材)(料)(,导)(致)(贷)(款)(出)(现)(违)(约)(风)(险)(后)(担)(保)(人)(均)(无)(力)(代)(偿)(;借)(款)(人)(股)(东)(将)(公)(司)(股)(份)(转)(让)(及)(停)(产)(后)(,该)(行)(未)(及)(时)(跟)(踪)(参)(与)(借)(款)(人)(股)(权)(变)(更)(活)(动)(,没)(有)(及)(时)(采)(取)(有)(效)(措)(施)(防)(范)(化)(解)(贷)(款)(风)(险)(,造)(成)(了)(信)(贷)(资)(金)(损)(失)(。该)(笔)(违)(规)(贷)(款)(被)(监)(管)(罚)(款)(21万)(元)(。
  神)(木)(农)(商)(行)(所)(辖)(属)(黄)(庄)(分)(理)(处)(、西)(川)(分)(理)(处)(、东)(兴)(中)(路)(分)(理)(处)(、尔)(林)(兔)(分)(理)(处)(四)(家)(网)(点)(发)(放)(借)(名)((垒)(大)(户)()贷)(款)(,贷)(款)(在)(发)(放)(过)(程)(中)(对)(借)(款)(人)(的)(还)(款)(能)(力)(、贷)(款)(用)(途)(并)(未)(做)(实)(地)(调)(查)(。贷)(款)(支)(付)(后)(未)(采)(取)(有)(效)(方)(式)(对)(贷)(款)(资)(金)(使)(用)(、借)(款)(人)(的)(信)(用)(及)(担)(保)(情)(况)(变)(化)(等)(进)(行)(跟)(踪)(检)(查)(,导)(致)(信)(贷)(资)(金)(被)(挪)(用)(,被)(监)(管)(罚)(款)(28万)(元)(。
  此)(外)(,2011~2013年)(,神)(木)(农)(商)(行)(营)(业)(部)(、东)(兴)(中)(路)(分)(理)(处)(、兴)(城)(支)(行)(分)(别)(向)(借)(款)(人)(方)(某)(某)(、尚)(某)(某)(、郭)(某)(某)(发)(放)(个)(人)(贷)(款)(240万)(元)(、个)(人)(生)(产)(经)(营)(贷)(款)(150万)(元)(、短)(期)(贷)(款)(100万)(元)(。三)(家)(网)(点)(在)(贷)(款)(发)(放)(前)(未)(履)(行)(尽)(职)(调)(查)(职)(责)(和)(贷)(款)(发)(放)(后)(未)(采)(取)(有)(效)(方)(式)(对)(贷)(款)(资)(金)(使)(用)(、借)(款)(人)(的)(信)(用)(及)(担)(保)(情)(况)(变)(化)(等)(进)(行)(跟)(踪)(检)(查)(和)(监)(控)(分)(析)(,导)(致)(贷)(款)(用)(途)(转)(移)(,贷)(款)(用)(途)(转)(移)(后)(,未)(采)(取)(有)(效)(措)(施)(确)(保)(贷)(款)(资)(金)(安)(全)(,对)(借)(款)(人)(提)(供)(虚)(假)(信)(息)(的)(行)(为)(未)(追)(究)(违)(约)(责)(任)(。该)(笔)(贷)(款)(被)(监)(管)(罚)(款)(21万)(元)(。
  据)(了)(解)(,在)(神)(木)(农)(商)(行)(的)(4笔)(违)(规)(贷)(款)(中)(,披)(露)(的)(违)(规)(贷)(款)(金)(额)(2000多)(万)(元)(,监)(管)(处)(罚)(共)(计)(98万)(元)(,包)(括)(对)(神)(木)(农)(商)(行)(董)(事)(长)(余)(清)(才)(的)(6万)(元)(个)(人)(处)(罚)(。
  内)(控)(疏)(漏)(重)(重)(
  实)(际)(上)(,从)(4笔)(违)(规)(贷)(款)(中)(,神)(木)(农)(商)(行)(的)(贷)(款)(内)(控)(风)(险)(暴)(露)(无)(遗)(,从)(贷)(款)(材)(料)(审)(批)(、贷)(款)(方)(式)(、资)(金)(用)(途)(和)(贷)(后)(管)(理)(均)(存)(在)(疏)(漏)(。以)(第)(一)(笔)(贷)(款)(为)(例)(。“客)(户)(贷)(款)(手)(续)(不)(全)(”“信)(托)(通)(道)(进)(行)(大)(笔)(授)(信)(”“余)(清)(才)(参)(与)(违)(法)(行)(为)(的)(决)(策)(且)(起)(到)(决)(定)(性)(作)(用)(”是)(三)(个)(关)(键)(的)(风)(险)(点)(。另)(外)(三)(笔)(贷)(款)(则)(涉)(及)(到)(担)(保)(资)(质)(和)(贷)(款)(资)(金)(挪)(用)(的)(问)(题)(。
  值)(得)(关)(注)(的)(是)(,2013年)(前)(后)(正)(是)(“房)(姐)(”龚)(爱)(爱)(事)(件)(在)(全)(国)(闹)(得)(沸)(沸)(扬)(扬)(期)(间)(。业)(界)(对)(于)(时)(任)(神)(木)(农)(商)(行)(副)(行)(长)(龚)(爱)(爱)(给)(予)(了)(高)(度)(关)(注)(。市)(场)(和)(媒)(体)(当)(时)(就)(有)(消)(息)(称)(,神)(木)(农)(商)(行)(贷)(款)(颇)(为)(容)(易)(,而)(当)(地)(一)(位)(政)(府)(职)(能)(部)(门)(的)(人)(曾)(经)(透)(露)(称)(“只)(要)(你)(有)(关)(系)(,即)(便)(没)(有)(抵)(押)(物)(,只)(要)(有)(人)(信)(誉)(担)(保)(,就)(能)(从)(里)(面)(贷)(钱)(出)(来)(”。而)(这)(种)(奉)(行)(“人)(脉)(”关)(系)(的)(做)(法)(毫)(无)(疑)(问)(给)(如)(今)(的)(贷)(款)(质)(量)(埋)(下)(了)(隐)(患)(。
  对)(此)(,记)(者)(致)(电)(了)(神)(木)(农)(商)(行)(,但)(是)(截)(至)(发)(稿)(时)(并)(未)(得)(到)(回)(复)(。
  事)(实)(上)(,由)(于)(机)(构)(的)(规)(模)(、制)(度)(的)(健)(全)(、流)(程)(的)(完)(善)(等)(原)(因)(,农)(商)(行)(、农)(信)(社)(等)(金)(融)(机)(构)(的)(资)(产)(质)(量)(一)(直)(是)(监)(管)(层)(比)(较)(担)(忧)(的)(,尤)(其)(是)(在)(经)(济)(下)(行)(期)(,风)(险)(暴)(露)(较)(集)(中)(,内)(控)(问)(题)(更)(容)(易)(显)(现)(出)(来)(。
  记)(者)(了)(解)(到)(,法)(院)(起)(诉)(通)(常)(是)(银)(行)(清)(收)(的)(一)(种)(常)(用)(方)(式)(。作)(为)(一)(家)(中)(小)(农)(商)(行)(,神)(木)(农)(商)(行)(4月)(份)(通)(过)(法)(院)(挂)(网)(的)(借)(款)(民)(事)(纠)(纷)(裁)(决)(就)(有)(近)(20宗)(,追)(偿)(的)(纠)(纷)(频)(次)(超)(过)(以)(往)(。
  一)(家)(国)(有)(大)(行)(人)(士)(表)(示)(,如)(今)(商)(业)(银)(行)(逾)(期)(贷)(款)(和)(不)(良)(都)(处)(于)(高)(位)(,很)(多)(企)(业)(的)(偿)(债)(能)(力)(下)(降)(,这)(就)(会)(反)(过)(来)(考)(验)(银)(行)(金)(融)(机)(构)(的)(风)(险)(控)(制)(措)(施)(,包)(括)(抵)(押)(、担)(保)(等)(等)(。在)(重)(新)(审)(视)(贷)(款)(问)(题)(时)(,违)(规)(授)(信)(就)(会)(暴)(露)(。
  “通)(常)(情)(况)(下)(,贷)(款)(资)(质)(的)(审)(核)(、贷)(款)(抵)(押)(品)(的)(足)(值)(和)(贷)(款)(资)(金)(用)(途)(明)(确)(之)(后)(,风)(险)(就)(是)(能)(控)(制)(,但)(是)(往)(往)(纰)(漏)(都)(会)(在)(其)(中)(一)(个)(环)(节)(。”上)(述)(国)(有)(大)(行)(人)(士)(称)(,制)(度)(的)(设)(定)(和)(完)(善)(就)(是)(为)(了)(控)(制)(风)(险)(,而)(风)(险)(大)(多)(则)(来)(自)(人)(为)(因)(素)(。“商)(业)(银)(行)(的)(监)(管)(应)(该)(是)(依)(靠)(制)(度)(和)(流)(程)(,避)(免)(出)(现)(一)(言)(堂)(。但)(是)(,很)(多)(农)(村)(金)(融)(机)(构)(的)(高)(层)(领)(导)(话)(语)(权)(很)(重)(,参)(与)(到)(贷)(款)(中)(就)(难)(免)(产)(生)(风)(险)(。”
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