中(zhong)(zhong)證網(wang)訊(xun)（記者 歐(ou)陽劍環）銀保監會網(wang)站3月12日消(xiao)息，為深入(ru)貫(guan)徹(che)落實(shi)黨中(zhong)(zhong)央、國務院關于完善(shan)金融機(ji)(ji)構(gou)法(fa)人治(zhi)理(li)的決策部署，銀保監會于2018年至2020年系統組織開展了“農村中(zhong)(zhong)小銀行(xing)股(gu)東股(gu)權三(san)年排查整(zheng)(zheng)治(zhi)行(xing)動”。三(san)年來，3898家農村中(zhong)(zhong)小銀行(xing)全部完成了機(ji)(ji)構(gou)自查和(he)監管(guan)檢查，實(shi)現(xian)了排查整(zheng)(zheng)治(zhi)全覆(fu)蓋(gai)的工(gong)作目標。

　　農村中(zhong)(zhong)小銀行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)數量(liang)多、結構(gou)極為(wei)(wei)復雜，呈現“小”“散”“弱”的(de)特(te)點(dian)。三年排查整治共涉及(ji)持(chi)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)1%以(yi)(yi)上股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)38.5萬個(ge)、股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)3889億(yi)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，累計(ji)發(fa)現問(wen)題1.99萬個(ge)，集中(zhong)(zhong)反映在(zai)以(yi)(yi)下五(wu)方面：第(di)一，股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)資(zi)(zi)(zi)(zi)質(zhi)(zhi)(zhi)不(bu)合(he)格。部分(fen)(fen)問(wen)題投資(zi)(zi)(zi)(zi)者通過粉飾報(bao)表、財務(wu)造假等方式(shi)(shi)入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，為(wei)(wei)機(ji)(ji)構(gou)健(jian)康發(fa)展埋(mai)下隱(yin)患(huan)。如(ru)(ru)(ru)某(mou)(mou)農信社(she)改(gai)制組建農商行(xing)(xing)(xing)(xing)時，第(di)一大(da)(da)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)在(zai)審計(ji)報(bao)告中(zhong)(zhong)虛增收入8000余(yu)萬元，將(jiang)實(shi)(shi)際經(jing)營(ying)虧損(sun)篡改(gai)為(wei)(wei)盈利(li)，隱(yin)瞞真實(shi)(shi)資(zi)(zi)(zi)(zi)質(zhi)(zhi)(zhi)。第(di)二，入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)資(zi)(zi)(zi)(zi)金來(lai)源不(bu)合(he)規。部分(fen)(fen)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)以(yi)(yi)委托(tuo)資(zi)(zi)(zi)(zi)金入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，最終釀成股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)糾紛，影響機(ji)(ji)構(gou)經(jing)營(ying)穩(wen)定(ding)；還有(you)的(de)甚至貸款(kuan)入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，導致資(zi)(zi)(zi)(zi)本(ben)(ben)嚴重不(bu)實(shi)(shi)。如(ru)(ru)(ru)某(mou)(mou)農商行(xing)(xing)(xing)(xing)70個(ge)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)從(cong)該(gai)行(xing)(xing)(xing)(xing)獲取貸款(kuan)13.1億(yi)元用(yong)于(yu)向其投資(zi)(zi)(zi)(zi)入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，占該(gai)行(xing)(xing)(xing)(xing)總股(gu)(gu)(gu)(gu)(gu)(gu)(gu)本(ben)(ben)的(de)62%。第(di)三，逃(tao)避“穿(chuan)透(tou)”監(jian)管(guan)(guan)，超比例(li)、超數量(liang)持(chi)有(you)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)。部分(fen)(fen)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)通過與關(guan)聯(lian)方簽訂抽屜協議(yi)、委托(tuo)代(dai)持(chi)等方式(shi)(shi)隱(yin)匿(ni)關(guan)聯(lian)關(guan)系，違(wei)(wei)反“兩參或一控(kong)”等監(jian)管(guan)(guan)規定(ding)大(da)(da)量(liang)入股(gu)(gu)(gu)(gu)(gu)(gu)(gu)銀行(xing)(xing)(xing)(xing)。如(ru)(ru)(ru)徐某(mou)(mou)及(ji)其22個(ge)“隱(yin)形”關(guan)聯(lian)方以(yi)(yi)上述方式(shi)(shi)持(chi)有(you)17家農商行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)共4億(yi)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)，其中(zhong)(zhong)在(zai)13家為(wei)(wei)主要股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)。第(di)四，違(wei)(wei)規開展關(guan)聯(lian)交易。部分(fen)(fen)機(ji)(ji)構(gou)違(wei)(wei)反關(guan)聯(lian)交易條件、程(cheng)序或超出額(e)(e)度(du)向股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)授(shou)信，還有(you)的(de)通過多種(zhong)手段(duan)掩(yan)蓋關(guan)聯(lian)交易以(yi)(yi)規避監(jian)管(guan)(guan)和信息披露(lu)。如(ru)(ru)(ru)某(mou)(mou)農商行(xing)(xing)(xing)(xing)以(yi)(yi)不(bu)足該(gai)行(xing)(xing)(xing)(xing)最低執(zhi)行(xing)(xing)(xing)(xing)利(li)率一半的(de)水平向9個(ge)關(guan)聯(lian)方發(fa)放貸款(kuan)2.5億(yi)元；某(mou)(mou)農商行(xing)(xing)(xing)(xing)未(wei)履行(xing)(xing)(xing)(xing)關(guan)聯(lian)交易審查程(cheng)序，其股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)及(ji)多家關(guan)聯(lian)公司以(yi)(yi)“化整為(wei)(wei)零”方式(shi)(shi)從(cong)該(gai)行(xing)(xing)(xing)(xing)獲取數十筆貸款(kuan)，總額(e)(e)占該(gai)行(xing)(xing)(xing)(xing)資(zi)(zi)(zi)(zi)本(ben)(ben)凈(jing)額(e)(e)的(de)95%，其中(zhong)(zhong)大(da)(da)部分(fen)(fen)已形成不(bu)良。第(di)五(wu)，股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)質(zhi)(zhi)(zhi)押(ya)不(bu)受(shou)約束。部分(fen)(fen)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)未(wei)履行(xing)(xing)(xing)(xing)對機(ji)(ji)構(gou)的(de)事前(qian)告知(zhi)義(yi)務(wu)，高頻次、高比例(li)質(zhi)(zhi)(zhi)押(ya)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)進(jin)行(xing)(xing)(xing)(xing)融資(zi)(zi)(zi)(zi)；部分(fen)(fen)機(ji)(ji)構(gou)直接或變相接受(shou)本(ben)(ben)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)質(zhi)(zhi)(zhi)押(ya)，最終形成資(zi)(zi)(zi)(zi)本(ben)(ben)流(liu)失。如(ru)(ru)(ru)某(mou)(mou)村鎮銀行(xing)(xing)(xing)(xing)6個(ge)主要股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)未(wei)按(an)程(cheng)序向董事會提出申請即將(jiang)所持(chi)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)全部質(zhi)(zhi)(zhi)押(ya)，導致該(gai)行(xing)(xing)(xing)(xing)被質(zhi)(zhi)(zhi)押(ya)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)占比高達(da)56%；某(mou)(mou)農商行(xing)(xing)(xing)(xing)利(li)用(yong)“股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)質(zhi)(zhi)(zhi)押(ya)反擔保(bao)”的(de)形式(shi)(shi)，事實(shi)(shi)上接受(shou)本(ben)(ben)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)(gu)(gu)(gu)權(quan)(quan)(quan)(quan)(quan)作為(wei)(wei)質(zhi)(zhi)(zhi)押(ya)，向股(gu)(gu)(gu)(gu)(gu)(gu)(gu)東(dong)(dong)提供授(shou)信1.1億(yi)元。

　　三年來，在全面排查(cha)的基礎上(shang)，監管部門多(duo)管齊下，重(zhong)(zhong)拳(quan)出(chu)擊(ji)清理整(zheng)(zheng)治股(gu)(gu)(gu)(gu)東(dong)(dong)股(gu)(gu)(gu)(gu)權違規(gui)(gui)亂象(xiang)，做到了(le)“三個一(yi)(yi)批(pi)(pi)”：整(zheng)(zheng)改(gai)了(le)一(yi)(yi)批(pi)(pi)問(wen)題(ti)，開(kai)展監管約談2611次(ci)，印發監管提(ti)示(shi)函2180份，督(du)促完成整(zheng)(zheng)改(gai)1.36萬個問(wen)題(ti)，整(zheng)(zheng)改(gai)率已(yi)達70%；清理了(le)一(yi)(yi)批(pi)(pi)股(gu)(gu)(gu)(gu)東(dong)(dong)，對4758個股(gu)(gu)(gu)(gu)東(dong)(dong)的表(biao)決權進(jin)行(xing)(xing)限(xian)制(zhi)，責令(ling)轉讓股(gu)(gu)(gu)(gu)權合(he)計達62.3億(yi)(yi)股(gu)(gu)(gu)(gu)；處(chu)罰(fa)(fa)了(le)一(yi)(yi)批(pi)(pi)機(ji)構(gou)，依法依規(gui)(gui)對281家機(ji)構(gou)實施了(le)行(xing)(xing)政處(chu)罰(fa)(fa)，處(chu)罰(fa)(fa)金額合(he)計1.5億(yi)(yi)元(yuan)(yuan)，給(gei)予相(xiang)關責任人(ren)警告、罰(fa)(fa)款(kuan)、取消任職資格(ge)等處(chu)罰(fa)(fa)共計711人(ren)次(ci)，罰(fa)(fa)款(kuan)金額合(he)計2039萬元(yuan)(yuan)。整(zheng)(zheng)改(gai)過程中(zhong)，注重(zhong)(zhong)壓(ya)實機(ji)構(gou)及(ji)其股(gu)(gu)(gu)(gu)東(dong)(dong)的主體責任，讓老股(gu)(gu)(gu)(gu)東(dong)(dong)依法承擔損失，對新股(gu)(gu)(gu)(gu)東(dong)(dong)嚴(yan)格(ge)資質審核(he)，促進(jin)農(nong)村中(zhong)小銀行(xing)(xing)優化治理結構(gou)和轉換(huan)經營機(ji)制(zhi)同步并行(xing)(xing)、有(you)機(ji)融合(he)。

　　銀保監會表示，下(xia)一步將持續(xu)鞏固股(gu)東股(gu)權三年排(pai)查整治工作成果，以推動(dong)(dong)加強黨的領(ling)導為(wei)核(he)心，以深化農村中小銀行(xing)改革(ge)為(wei)抓(zhua)手，不(bu)斷改進股(gu)東股(gu)權管理(li)(li)和完(wan)善(shan)公(gong)司治理(li)(li)，通過規范股(gu)東行(xing)為(wei)、優化股(gu)權結(jie)構(gou)、提升治理(li)(li)水平(ping)，帶動(dong)(dong)增強中小銀行(xing)風險防控和服務實體經濟“兩個能力(li)(li)”，為(wei)構(gou)建新發展格局、服務鄉(xiang)村振(zhen)興更(geng)好地賦能助力(li)(li)。