本報(bao)記者 蘇向杲

　　見習記者 楊潔

　　3月24日，《證券(quan)日報》記者從銀(yin)保監(jian)會(hui)獲(huo)悉，2021年以(yi)來，銀(yin)保監(jian)會(hui)按照《健全銀(yin)行(xing)業(ye)保險業(ye)公(gong)司(si)治(zhi)理三年行(xing)動方案（2020-2022年）》，積極推進公(gong)司(si)治(zhi)理制度建設，切實做好公(gong)司(si)治(zhi)理評(ping)估以(yi)及股權和關(guan)聯交易整治(zhi)，不斷深化行(xing)業(ye)公(gong)司(si)治(zhi)理改革，取得了初步成效。

　　首先(xian)，股(gu)(gu)東(dong)(dong)(dong)股(gu)(gu)權(quan)和(he)(he)關聯(lian)交(jiao)(jiao)易(yi)(yi)領域違(wei)(wei)規(gui)行為得(de)到有效(xiao)遏(e)制。強(qiang)化(hua)股(gu)(gu)權(quan)和(he)(he)關聯(lian)交(jiao)(jiao)易(yi)(yi)監(jian)管(guan)(guan)(guan)(guan)，完善監(jian)管(guan)(guan)(guan)(guan)制度，出臺銀(yin)行保(bao)險(xian)機(ji)構大股(gu)(gu)東(dong)(dong)(dong)行為監(jian)管(guan)(guan)(guan)(guan)辦(ban)法(fa)和(he)(he)關聯(lian)交(jiao)(jiao)易(yi)(yi)管(guan)(guan)(guan)(guan)理辦(ban)法(fa)，從嚴規(gui)范(fan)約束大股(gu)(gu)東(dong)(dong)(dong)行為，督促股(gu)(gu)東(dong)(dong)(dong)依法(fa)行使權(quan)力、嚴格履行義務，強(qiang)化(hua)銀(yin)行保(bao)險(xian)機(ji)構關聯(lian)交(jiao)(jiao)易(yi)(yi)管(guan)(guan)(guan)(guan)理主體責任(ren)，豐富禁止性規(gui)定和(he)(he)監(jian)管(guan)(guan)(guan)(guan)措施，重點防(fang)范(fan)大股(gu)(gu)東(dong)(dong)(dong)不當干預和(he)(he)利益輸送風(feng)險(xian)。同時(shi)，持續開展股(gu)(gu)權(quan)和(he)(he)關聯(lian)交(jiao)(jiao)易(yi)(yi)專(zhuan)項整治，開展專(zhuan)項整治和(he)(he)“回頭看”以(yi)來(lai)，共清退違(wei)(wei)法(fa)違(wei)(wei)規(gui)股(gu)(gu)東(dong)(dong)(dong)2600多個，處罰(fa)違(wei)(wei)規(gui)機(ji)構和(he)(he)責任(ren)人(ren)合計1.4億元，處罰(fa)責任(ren)人(ren)395人(ren)，督促內部問責處理360家(jia)次，問責個人(ren)5383人(ren)次，嚴厲打擊了(le)資(zi)本(ben)造假(jia)、股(gu)(gu)權(quan)代持等(deng)突(tu)出問題，形成有效(xiao)震懾。集中(zhong)分四批次向社會公開81家(jia)重大違(wei)(wei)法(fa)違(wei)(wei)規(gui)股(gu)(gu)東(dong)(dong)(dong)名單(dan)，強(qiang)化(hua)市場約束。

　　其次，銀行(xing)(xing)保(bao)險(xian)(xian)機構公(gong)司(si)(si)治(zhi)(zhi)理(li)運(yun)行(xing)(xing)的規范(fan)性持(chi)續提升。建立并實施(shi)覆蓋全部商業(ye)銀行(xing)(xing)和(he)保(bao)險(xian)(xian)機構的公(gong)司(si)(si)治(zhi)(zhi)理(li)監管綜合評估(gu)體系，連(lian)續兩年開(kai)(kai)展評估(gu)，及時發現(xian)并督促機構完善公(gong)司(si)(si)治(zhi)(zhi)理(li)薄(bo)弱環節。將評估(gu)結(jie)(jie)果(guo)(guo)與市(shi)場(chang)準入(ru)、現(xian)場(chang)檢查及高風(feng)險(xian)(xian)機構改(gai)革重組(zu)和(he)風(feng)險(xian)(xian)處置相結(jie)(jie)合，主動向社會公(gong)開(kai)(kai)評估(gu)結(jie)(jie)果(guo)(guo)總(zong)(zong)體情況。從2021年評估(gu)結(jie)(jie)果(guo)(guo)來看，銀行(xing)(xing)保(bao)險(xian)(xian)機構公(gong)司(si)(si)治(zhi)(zhi)理(li)水平(ping)總(zong)(zong)體穩定并呈現(xian)向好變化。被(bei)評為E級(ji)（差）的機構138家(jia)，較(jiao)2020年減少44家(jia)，占比下降2.7個百(bai)分(fen)點。從具體領(ling)域(yu)看，銀行(xing)(xing)保(bao)險(xian)(xian)機構在推動黨(dang)的領(ling)導與公(gong)司(si)(si)治(zhi)(zhi)理(li)有機融合、規范(fan)股權和(he)關聯交易管理(li)、健全董事會治(zhi)(zhi)理(li)等方面呈現(xian)出積極變化。

　　同時，銀(yin)行(xing)(xing)業(ye)保(bao)(bao)險(xian)(xian)(xian)業(ye)公(gong)司治(zhi)理監管(guan)(guan)的制度體(ti)(ti)系更加完(wan)善。2021年以(yi)來，銀(yin)行(xing)(xing)保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)公(gong)司治(zhi)理準則、銀(yin)行(xing)(xing)保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)董事監事履職評(ping)價辦法、銀(yin)行(xing)(xing)保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)績效薪(xin)酬追索(suo)扣回(hui)機(ji)制的指導(dao)(dao)意見等相繼出(chu)臺(tai)，從綱領性制度到(dao)推動董事監事履職、發(fa)揮薪(xin)酬導(dao)(dao)向作用的實(shi)際操作規程(cheng)等相關(guan)規制逐(zhu)一建立，公(gong)司治(zhi)理制度體(ti)(ti)系逐(zhu)漸豐(feng)富和完(wan)善。研究完(wan)善償付能力監管(guan)(guan)、資本監管(guan)(guan)相關(guan)信息披露要求，進(jin)一步(bu)強化(hua)市場約束(shu)。

　　銀(yin)保(bao)監(jian)會(hui)表示，下一步將以提升中小銀(yin)行保(bao)險(xian)機構公(gong)司(si)治(zhi)(zhi)理質效(xiao)為重(zhong)點(dian)，完善(shan)公(gong)司(si)治(zhi)(zhi)理評(ping)(ping)估體系，推動黨的領導與公(gong)司(si)治(zhi)(zhi)理有機融合，規范大股(gu)東行為及關聯交(jiao)易(yi)，健全三會(hui)一層履職評(ping)(ping)價和監(jian)督(du)制衡，探索差異化監(jian)管，不斷推動銀(yin)行業(ye)保(bao)險(xian)業(ye)公(gong)司(si)治(zhi)(zhi)理改(gai)革取得新成效(xiao)。