中證網(wang)訊（記(ji)者 歐陽劍環）銀(yin)(yin)保(bao)監會(hui)(hui)網(wang)站11月(yue)21日消息，近期(qi)，按照國務(wu)院有關工作部(bu)署，銀(yin)(yin)保(bao)監會(hui)(hui)消費(fei)者權益保(bao)護局(ju)組織開展了小(xiao)微企業融(rong)資(zi)收費(fei)專項檢查(cha)(cha)，對(dui)群眾通過國務(wu)院“互聯(lian)網(wang)+督(du)(du)查(cha)(cha)”平臺反映的(de)有關問題線索進行了核查(cha)(cha)，國務(wu)院辦公廳督(du)(du)查(cha)(cha)室(shi)對(dui)有關突出(chu)問題進行了暗訪督(du)(du)查(cha)(cha)。

　　督查(cha)檢(jian)查(cha)發(fa)現，銀(yin)行保(bao)險機構(gou)總體能(neng)夠認(ren)真執行小微企(qi)業金融(rong)(rong)服務(wu)政策，不斷加大減(jian)費(fei)讓利力度，但仍有(you)部分(fen)銀(yin)行保(bao)險機構(gou)、助(zhu)貸機構(gou)貫(guan)徹落實黨中(zhong)央、國務(wu)院決策部署不到位，對監管規定有(you)令不行、有(you)禁不止，在(zai)貸款中(zhong)違規收(shou)取應減(jian)免費(fei)用，強制捆綁銷售，收(shou)取高額服務(wu)費(fei)和代理(li)手續費(fei)，抬升了綜合融(rong)(rong)資(zi)成(cheng)本，削弱(ruo)了小微企(qi)業獲(huo)得感。

　　銀(yin)保監(jian)會通(tong)報了有關典型問(wen)題(ti)。一(yi)(yi)是工商銀(yin)行(xing)(xing)(xing)部分(fen)(fen)分(fen)(fen)支機構違規(gui)向小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)收(shou)(shou)取貸款承(cheng)諾(nuo)費(fei)(fei)、投(tou)融(rong)資(zi)顧(gu)問(wen)費(fei)(fei)等“兩禁(jin)兩限(xian)”費(fei)(fei)用(yong)。《關于(yu)支持商業(ye)(ye)銀(yin)行(xing)(xing)(xing)進(jin)(jin)一(yi)(yi)步(bu)改(gai)進(jin)(jin)小(xiao)(xiao)(xiao)型微(wei)型企業(ye)(ye)金(jin)融(rong)服務(wu)的(de)補充(chong)通(tong)知(zhi)》（銀(yin)監(jian)發〔2011〕94號）規(gui)定，除銀(yin)團貸款外，商業(ye)(ye)銀(yin)行(xing)(xing)(xing)不得對小(xiao)(xiao)(xiao)型微(wei)型企業(ye)(ye)貸款收(shou)(shou)取承(cheng)諾(nuo)費(fei)(fei)、資(zi)金(jin)管理(li)費(fei)(fei)，嚴(yan)格限(xian)制對小(xiao)(xiao)(xiao)型微(wei)型企業(ye)(ye)收(shou)(shou)取財務(wu)顧(gu)問(wen)費(fei)(fei)、咨詢費(fei)(fei)等費(fei)(fei)用(yong)。經查，2017年(nian)1月(yue)至2019年(nian)10月(yue)，工商銀(yin)行(xing)(xing)(xing)江(jiang)西分(fen)(fen)行(xing)(xing)(xing)、河北分(fen)(fen)行(xing)(xing)(xing)、河南分(fen)(fen)行(xing)(xing)(xing)、上海分(fen)(fen)行(xing)(xing)(xing)、江(jiang)蘇(su)分(fen)(fen)行(xing)(xing)(xing)、四川分(fen)(fen)行(xing)(xing)(xing)、廣西分(fen)(fen)行(xing)(xing)(xing)、遼(liao)寧分(fen)(fen)行(xing)(xing)(xing)、山東(dong)分(fen)(fen)行(xing)(xing)(xing)等9家分(fen)(fen)行(xing)(xing)(xing)違規(gui)向20戶小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)收(shou)(shou)取貸款承(cheng)諾(nuo)費(fei)(fei)、投(tou)融(rong)資(zi)顧(gu)問(wen)費(fei)(fei)等“兩禁(jin)兩限(xian)”費(fei)(fei)用(yong)2284.87萬(wan)元。

　　二是民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)總(zong)行(xing)(xing)(xing)(xing)(xing)集(ji)(ji)(ji)團金(jin)融(rong)部和(he)部分(fen)(fen)分(fen)(fen)支(zhi)機構違規向(xiang)小微企業收(shou)取(qu)貸款(kuan)承(cheng)(cheng)(cheng)諾費、銀(yin)行(xing)(xing)(xing)(xing)(xing)承(cheng)(cheng)(cheng)兌(dui)匯(hui)票敞口管理(li)費、法人賬(zhang)戶(hu)(hu)透(tou)支(zhi)業務(wu)承(cheng)(cheng)(cheng)諾費等(deng)(deng)“兩(liang)(liang)禁兩(liang)(liang)限”費用(yong)。經查，2016年9月(yue)至2019年11月(yue)，民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)違規向(xiang)小微企業收(shou)取(qu)“兩(liang)(liang)禁兩(liang)(liang)限”費用(yong)4369.53萬(wan)元。其中，民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)北京分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、上(shang)(shang)海分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、哈爾濱分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)違規收(shou)取(qu)貸款(kuan)承(cheng)(cheng)(cheng)諾費，涉(she)(she)及3戶(hu)(hu)、4筆，金(jin)額(e)(e)合(he)計(ji)1372.48萬(wan)元；民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)總(zong)行(xing)(xing)(xing)(xing)(xing)集(ji)(ji)(ji)團金(jin)融(rong)部和(he)民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)福州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、蘇州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、深圳分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、石(shi)家(jia)莊分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、廣州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、成都分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、廈門分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、大連分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、太(tai)原分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、北京分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、泉州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、重慶分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、濟南分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、長沙(sha)分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、武漢分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、鄭州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、青(qing)島分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)等(deng)(deng)17家(jia)分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)違規收(shou)取(qu)銀(yin)行(xing)(xing)(xing)(xing)(xing)承(cheng)(cheng)(cheng)兌(dui)匯(hui)票敞口管理(li)費，涉(she)(she)及180戶(hu)(hu)、1975筆，金(jin)額(e)(e)合(he)計(ji)2905.35萬(wan)元；民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)總(zong)行(xing)(xing)(xing)(xing)(xing)集(ji)(ji)(ji)團金(jin)融(rong)部和(he)民(min)生(sheng)銀(yin)行(xing)(xing)(xing)(xing)(xing)上(shang)(shang)海分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、杭州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、南昌分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、泉州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)、鄭州分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)等(deng)(deng)5家(jia)分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)違規收(shou)取(qu)法人賬(zhang)戶(hu)(hu)透(tou)支(zhi)業務(wu)承(cheng)(cheng)(cheng)諾費，涉(she)(she)及8戶(hu)(hu)、10筆，金(jin)額(e)(e)合(he)計(ji)91.70萬(wan)元。

　　三(san)是民(min)生(sheng)(sheng)銀(yin)行(xing)(xing)(xing)(xing)在已有抵(di)押的(de)(de)(de)(de)前提(ti)下向(xiang)客(ke)戶(hu)(hu)銷售保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)較高的(de)(de)(de)(de)人(ren)(ren)身意(yi)外(wai)險(xian)(xian)(xian)(xian)，提(ti)取高額代(dai)理(li)手續費(fei)。經(jing)查，2016年9月至(zhi)(zhi)2019年11月，民(min)生(sheng)(sheng)銀(yin)行(xing)(xing)(xing)(xing)共有10.19萬(wan)筆小微企業(ye)個人(ren)(ren)經(jing)營性貸款(kuan)（擔保(bao)(bao)(bao)方式為(wei)抵(di)押）的(de)(de)(de)(de)客(ke)戶(hu)(hu)購(gou)買了該行(xing)(xing)(xing)(xing)代(dai)銷的(de)(de)(de)(de)借(jie)款(kuan)人(ren)(ren)意(yi)外(wai)傷(shang)害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，67%的(de)(de)(de)(de)借(jie)款(kuan)人(ren)(ren)意(yi)外(wai)傷(shang)害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)費(fei)金額/貸款(kuan)金額不(bu)低(di)于0.40%。該行(xing)(xing)(xing)(xing)與絕大多數(shu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)通過總對(dui)總合作協議，約定(ding)代(dai)理(li)手續費(fei)率(lv)為(wei)保(bao)(bao)(bao)費(fei)的(de)(de)(de)(de)50%—80%。例如，民(min)生(sheng)(sheng)銀(yin)行(xing)(xing)(xing)(xing)杭州(zhou)分行(xing)(xing)(xing)(xing)2016年9月至(zhi)(zhi)2019年11月期間(jian)2684筆個體工(gong)商戶(hu)(hu)及(ji)小微企業(ye)主(zhu)貸款(kuan)的(de)(de)(de)(de)客(ke)戶(hu)(hu)購(gou)買了光(guang)大永(yong)明(ming)人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)的(de)(de)(de)(de)借(jie)款(kuan)人(ren)(ren)意(yi)外(wai)傷(shang)害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，客(ke)戶(hu)(hu)向(xiang)光(guang)大永(yong)明(ming)人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)支付(fu)保(bao)(bao)(bao)費(fei)1847.24萬(wan)元(yuan)，光(guang)大永(yong)明(ming)人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)向(xiang)民(min)生(sheng)(sheng)銀(yin)行(xing)(xing)(xing)(xing)杭州(zhou)分行(xing)(xing)(xing)(xing)支付(fu)代(dai)理(li)手續費(fei)1477.79萬(wan)元(yuan)，代(dai)理(li)手續費(fei)占(zhan)保(bao)(bao)(bao)費(fei)的(de)(de)(de)(de)80.02%。抽(chou)查部分保(bao)(bao)(bao)單顯示(shi)，相關保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)為(wei)0.39%—0.5%，是一般人(ren)(ren)身意(yi)外(wai)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)數(shu)倍。

　　四是平(ping)(ping)安(an)保(bao)(bao)(bao)(bao)險(xian)（集團）下(xia)屬平(ping)(ping)安(an)普(pu)惠與興業(ye)(ye)銀行(xing)(xing)合(he)(he)作發(fa)放小(xiao)微企業(ye)(ye)普(pu)惠型(xing)(xing)貸(dai)款(kuan)(kuan)(kuan)，強制捆(kun)綁(bang)銷售保(bao)(bao)(bao)(bao)險(xian)，收(shou)(shou)(shou)取(qu)(qu)高額服務(wu)費，推高綜(zong)合(he)(he)融(rong)(rong)資(zi)成本(ben)(ben)。經查，中(zhong)國平(ping)(ping)安(an)保(bao)(bao)(bao)(bao)險(xian)（集團）股(gu)(gu)份(fen)有(you)(you)限(xian)(xian)(xian)公司(si)下(xia)屬平(ping)(ping)安(an)普(pu)惠融(rong)(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)有(you)(you)限(xian)(xian)(xian)公司(si)在(zai)與興業(ye)(ye)銀行(xing)(xing)合(he)(he)作開(kai)展普(pu)惠型(xing)(xing)貸(dai)款(kuan)(kuan)(kuan)業(ye)(ye)務(wu)時，強制捆(kun)綁(bang)銷售中(zhong)國平(ping)(ping)安(an)財(cai)產保(bao)(bao)(bao)(bao)險(xian)股(gu)(gu)份(fen)有(you)(you)限(xian)(xian)(xian)公司(si)借款(kuan)(kuan)(kuan)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)，未提(ti)供其(qi)他增信方式或(huo)其(qi)他保(bao)(bao)(bao)(bao)險(xian)公司(si)產品(pin)供客戶選(xuan)擇，侵害了消(xiao)費者的自主選(xuan)擇權和公平(ping)(ping)交易權。興業(ye)(ye)銀行(xing)(xing)依賴第(di)三方合(he)(he)作渠道獲(huo)客，忽(hu)略對合(he)(he)作方收(shou)(shou)(shou)費情況及(ji)綜(zong)合(he)(he)融(rong)(rong)資(zi)成本(ben)(ben)的評估。興業(ye)(ye)銀行(xing)(xing)提(ti)供全部貸(dai)款(kuan)(kuan)(kuan)資(zi)金，貸(dai)款(kuan)(kuan)(kuan)年利(li)率為(wei)(wei)6.32%—7.6%；中(zhong)國平(ping)(ping)安(an)財(cai)產保(bao)(bao)(bao)(bao)險(xian)股(gu)(gu)份(fen)有(you)(you)限(xian)(xian)(xian)公司(si)承(cheng)擔(dan)(dan)99%貸(dai)款(kuan)(kuan)(kuan)金額的履約保(bao)(bao)(bao)(bao)證責任，名義月保(bao)(bao)(bao)(bao)費率為(wei)(wei)0.12%；平(ping)(ping)安(an)普(pu)惠融(rong)(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)有(you)(you)限(xian)(xian)(xian)公司(si)負責獲(huo)客和不良(liang)貸(dai)款(kuan)(kuan)(kuan)催收(shou)(shou)(shou)，以(yi)及(ji)承(cheng)擔(dan)(dan)1%貸(dai)款(kuan)(kuan)(kuan)金額的連帶(dai)擔(dan)(dan)保(bao)(bao)(bao)(bao)，名義月擔(dan)(dan)保(bao)(bao)(bao)(bao)費率為(wei)(wei)0.33%，名義月服務(wu)費率為(wei)(wei)0.09%—0.65%。例如，某客戶2019年5月貸(dai)款(kuan)(kuan)(kuan)本(ben)(ben)金為(wei)(wei)382萬元(yuan)(yuan)，期限(xian)(xian)(xian)3年，貸(dai)款(kuan)(kuan)(kuan)利(li)率7.6%，采取(qu)(qu)等額本(ben)(ben)息還(huan)款(kuan)(kuan)(kuan)方式，興業(ye)(ye)銀行(xing)(xing)預(yu)計收(shou)(shou)(shou)取(qu)(qu)貸(dai)款(kuan)(kuan)(kuan)利(li)息46.40萬元(yuan)(yuan)，中(zhong)國平(ping)(ping)安(an)財(cai)產保(bao)(bao)(bao)(bao)險(xian)股(gu)(gu)份(fen)有(you)(you)限(xian)(xian)(xian)公司(si)預(yu)計收(shou)(shou)(shou)取(qu)(qu)保(bao)(bao)(bao)(bao)險(xian)費16.34萬元(yuan)(yuan)，平(ping)(ping)安(an)普(pu)惠融(rong)(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)有(you)(you)限(xian)(xian)(xian)公司(si)預(yu)計收(shou)(shou)(shou)取(qu)(qu)擔(dan)(dan)保(bao)(bao)(bao)(bao)費4538元(yuan)(yuan)和服務(wu)費81.14萬元(yuan)(yuan)，年化(hua)綜(zong)合(he)(he)融(rong)(rong)資(zi)成本(ben)(ben)達22.16%。其(qi)中(zhong)，平(ping)(ping)安(an)普(pu)惠融(rong)(rong)資(zi)擔(dan)(dan)保(bao)(bao)(bao)(bao)有(you)(you)限(xian)(xian)(xian)公司(si)收(shou)(shou)(shou)取(qu)(qu)費用(yong)占綜(zong)合(he)(he)融(rong)(rong)資(zi)成本(ben)(ben)的56.53%。

　　銀保(bao)監(jian)(jian)會表示(shi)，從督查檢查情(qing)(qing)況看(kan)，有(you)關(guan)(guan)銀行(xing)保(bao)險機(ji)構、助貸機(ji)構對(dui)國家(jia)關(guan)(guan)于深化(hua)小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)金融(rong)(rong)服務、降低小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)綜(zong)合(he)融(rong)(rong)資成(cheng)本(ben)的(de)(de)(de)重大(da)決策部(bu)署(shu)認(ren)識不到(dao)位(wei)、落實(shi)(shi)不徹底，在政策執行(xing)中(zhong)搞(gao)變(bian)通、打擦(ca)邊球(qiu)，未全面(mian)履行(xing)社會責(ze)任，未真正落實(shi)(shi)對(dui)小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)服務優惠和減(jian)費讓利(li)原(yuan)則，相關(guan)(guan)問(wen)題具有(you)一定(ding)的(de)(de)(de)代表性(xing)和典型(xing)性(xing)。各銀行(xing)保(bao)險機(ji)構和助貸機(ji)構要(yao)引以(yi)為(wei)戒、舉一反(fan)三，認(ren)真貫徹落實(shi)(shi)黨中(zhong)央、國務院決策部(bu)署(shu)，緊緊圍(wei)繞“六(liu)穩”“六(liu)保(bao)”，大(da)力保(bao)護(hu)(hu)和激發市場主體(ti)活(huo)力，強化(hua)對(dui)穩企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)金融(rong)(rong)支持，積極為(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)紓困(kun)解難，讓中(zhong)小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)貸款(kuan)可獲(huo)得(de)性(xing)明(ming)顯(xian)提高，綜(zong)合(he)融(rong)(rong)資成(cheng)本(ben)明(ming)顯(xian)下(xia)降；要(yao)嚴(yan)(yan)格執行(xing)銀保(bao)監(jian)(jian)會等六(liu)部(bu)門《關(guan)(guan)于進一步規(gui)(gui)范信(xin)貸融(rong)(rong)資收費降低企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資綜(zong)合(he)成(cheng)本(ben)的(de)(de)(de)通知(zhi)(zhi)》（銀保(bao)監(jian)(jian)發〔2020〕18號(hao)）有(you)關(guan)(guan)規(gui)(gui)定(ding)，切實(shi)(shi)維護(hu)(hu)貸款(kuan)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)知(zhi)(zhi)情(qing)(qing)權、自主選(xuan)擇權和公(gong)平交易權，不得(de)利(li)用市場優勢地位(wei)附加(jia)不合(he)理條件(jian)、強制(zhi)捆(kun)綁銷售、轉嫁成(cheng)本(ben)、違(wei)規(gui)(gui)收費，變(bian)相增(zeng)加(jia)小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)隱(yin)性(xing)融(rong)(rong)資成(cheng)本(ben)；要(yao)加(jia)強公(gong)司治(zhi)理，落實(shi)(shi)對(dui)分(fen)支機(ji)構或(huo)子公(gong)司管理的(de)(de)(de)主體(ti)責(ze)任，強化(hua)對(dui)第(di)三方機(ji)構合(he)作的(de)(de)(de)管理，全面(mian)評(ping)估助貸、增(zeng)信(xin)環節的(de)(de)(de)綜(zong)合(he)融(rong)(rong)資成(cheng)本(ben)，完善綜(zong)合(he)經營(ying)績(ji)效考(kao)核辦法(fa)，嚴(yan)(yan)格內部(bu)控制(zhi)和審計監(jian)(jian)督，防止(zhi)內外(wai)勾結、聯手損害小(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)利(li)益(yi)。對(dui)無視禁令、頂風違(wei)規(gui)(gui)的(de)(de)(de)，金融(rong)(rong)監(jian)(jian)管部(bu)門將發現一起、處理一起，絕不姑息。

　　目前(qian)，銀保監(jian)會(hui)正在(zai)會(hui)同(tong)有關方面對(dui)督查(cha)檢(jian)查(cha)發現(xian)的問(wen)題(ti)依法依規處理。國(guo)務(wu)院(yuan)辦公(gong)廳督查(cha)室(shi)將密切跟蹤相(xiang)關工作進(jin)展，督促推動問(wen)題(ti)整改到位。