中證網(wang)訊（記者(zhe) 歐陽劍環）銀(yin)保監會(hui)網(wang)站11月24日(ri)發布的(de)(de)(de)《關(guan)于持續深入(ru)做好銀(yin)行(xing)(xing)機(ji)構(gou)(gou)“內控(kong)(kong)(kong)(kong)合(he)規(gui)(gui)管(guan)理(li)(li)建(jian)設年”有關(guan)工(gong)作的(de)(de)(de)通(tong)知》提出，從機(ji)構(gou)(gou)自查(cha)和監管(guan)檢查(cha)情況看，貸款“三查(cha)”不(bu)盡職、統(tong)一授信管(guan)理(li)(li)不(bu)到位、銷(xiao)售適(shi)當(dang)性(xing)(xing)要(yao)求(qiu)執行(xing)(xing)不(bu)力(li)等(deng)問(wen)題仍然突出。各(ge)銀(yin)行(xing)(xing)機(ji)構(gou)(gou)要(yao)把常(chang)態(tai)化(hua)的(de)(de)(de)強(qiang)內控(kong)(kong)(kong)(kong)、促合(he)規(gui)(gui)與階(jie)段性(xing)(xing)的(de)(de)(de)補短板、除頑(wan)(wan)疾相結合(he)，聚(ju)焦問(wen)題多(duo)發環節(jie)和人民群(qun)眾反映強(qiang)烈的(de)(de)(de)領域，明確(que)重(zhong)要(yao)業務的(de)(de)(de)風險控(kong)(kong)(kong)(kong)制點和管(guan)控(kong)(kong)(kong)(kong)措施，增強(qiang)系(xi)統(tong)關(guan)鍵節(jie)點的(de)(de)(de)剛性(xing)(xing)控(kong)(kong)(kong)(kong)制，強(qiang)化(hua)制度執行(xing)(xing)和監督(du)評(ping)價，加(jia)強(qiang)聲譽風險管(guan)理(li)(li)。要(yao)圍(wei)繞近期風險事件(jian)，深入(ru)排(pai)查(cha)內控(kong)(kong)(kong)(kong)缺陷(xian)，加(jia)大日(ri)常(chang)檢查(cha)巡查(cha)力(li)度，強(qiang)化(hua)對分支機(ji)構(gou)(gou)和各(ge)經營單位的(de)(de)(de)管(guan)理(li)(li)約束，對屢(lv)查(cha)屢(lv)犯、整(zheng)改進度緩(huan)慢的(de)(de)(de)要(yao)督(du)促處理(li)(li)，從根源上(shang)整(zheng)治(zhi)虛構(gou)(gou)貿(mao)易背(bei)景、授信審查(cha)不(bu)嚴等(deng)頑(wan)(wan)瘴痼(gu)疾，切實(shi)提升風險管(guan)控(kong)(kong)(kong)(kong)水平(ping)，彰顯內控(kong)(kong)(kong)(kong)合(he)規(gui)(gui)管(guan)理(li)(li)建(jian)設成(cheng)效(xiao)。