Liaoning Financial Anti -Corruption Storm: Why did 63 small and medium -sized banks be investigated

[] [Font size] [] "Since 2021, Liaoning, who has been in the hardest hit area of ??financial risks, has been taken by 63 small and medium -sized banks. Treatment of the attention of the financial circle. According to the list of legal persons of banking financial institutions released by the CBRC in late March this year, as of the end of December 2021, there were at least 100 banks in Liaoning.

Among them, there are 14 urban commercial banks, 25 rural commercial banks, 60 village banks, and 1 private bank.

In addition, there are 32 rural credit cooperatives and branches in Liaoning Province, and the Agricultural Credit Co., Ltd. belongs to banking financial institutions.

  Among the urban commercial banks, the assets of Shengjing Bank, Jinzhou Bank, and Dalian Bank are about trillion, 830 billion, and 450 billion yuan, respectively.

Rural Commercial Bank’s assets are smaller.

According to the statistics of the central bank in 2008, the assets of less than 2 trillion are small and medium -sized banks.

  At present, the China Banking Regulatory Commission and Liaoning areas are actively dealing with financial risks and strengthen supervision of financial institutions. In addition to the 63 "leaders" of Liaoning SMB, since the 19th National Congress of the Communist Party of China, a total of 630 cases have been established within the system of the CBRC system, 83 people have been left, and 73 have been transferred to judicial organs. Liaoning Financial’s anti -corruption behind Liaoning Small and Small Banks has a deep background.

  In April 2020, the CBRC mentioned at a press conference that due to the limited management capabilities and operating strength of small and medium -sized banks, especially its customer group had certain particularity. obvious.

  At that time, the CBRC stated that it would make every effort to promote the reform of small and medium -sized banks and resolve risks. Everyone will see that the reform and reorganization of small and medium -sized banks will be relatively large, especially for market -oriented reorganization measures. In July of the same year, the "2020 China Banking Development Report" issued by the China Banking Association pointed out that small and medium -sized banks have been impacted by the epidemic situation, and the future reform and reorganization will be further increased. In fact, the merger and reorganization boom set off by small and medium -sized banks in 2020 continued in 2021. Taking Liaoning Province as an example, at the end of January last year, the Liaoning Provincial Government published an article saying that it effectively promoted the "overall reform of urban commercial banks in the province", newly formed a provincial -level city commercial bank, and merged 12 related cities in Liaoning Province. In the wave of small and medium -sized banks, financial risks cannot be ignored.

In April last year, the Central Bank released the "Rating Results of the Central Bank Financial Institution in the Fourth quarter of 2020" showing that the agricultural cooperative institutions (including rural commercial banks, rural cooperative banks, agricultural credit cooperatives) and village and town banks have the highest risks, and the number of high -risk institutions is 285 respectively With 127, the assets account for 8%and 10%of the types of institutions.

  From the perspective of the region, there are many high -risk institutions in Liaoning, Gansu, Inner Mongolia, Henan, Shanxi, Heilongjiang, Jilin, Shandong, Guangxi and other provinces.

  At the end of March this year, the central bank released the "Rating Results of the Central Bank Financial Institution in the Fourth quarter of 2021" showing that the risk of agricultural cooperation and village and township banks is still the highest, but the number of high -risk institutions has declined significantly, reaching 186 and 103. The central bank did not announce the specific provinces this time, but just expressed that "the existing high -risk institutions are mainly concentrated in four provinces." Due to the large base in the fourth quarter of 2020, the industry believes that the number of high -risk institutions in Liaoning in the fourth quarter of 2021 is still not small. In addition, as of the end of October 2021, among 20 small and medium -sized bank special bond issuance areas across the country, Liaoning issued the top scale, second only to Henan.

The scale of the issuance of special bonds is related to the credit situation of small and medium -sized banks in various places. There are also evidence.

In April of this year, data disclosed by China Bond Information Network showed that the Liaoning Provincial Department of Finance plans to issue 13.5 billion yuan of small and medium banks to develop special bonds on April 14, which is the Bank of Dandong, Yingkou Bank, Fuxin Bank, Chaoyang Bank, Huludao Bank " Blood transfusion.

  The above banks are already banks with large assets in small and medium -sized banks in Liaoning, and the days of banks with smaller assets are even more difficult.

  Earlier this year, the Liaoning Provincial Government announced the "Liaoning Provincial" Fourteenth Five -Year Plan for the Financial Industry Development Plan "that the non -performing loan ratio of the Liaoning financial industry in 2020 was%, and it would return to the reasonable range in 2025.

The non -performing loan ratio is regarded as the core indicator of bank credit risk. Commercial banks’ non -performing loan rate alert is 2%. A number of important officials in the financial sector were investigated and faced with financial risks. Liu Qifan, secretary of the Discipline Inspection Commission of Liaoning Province, stated in a local city investigation that "integrated promoting the punishment of financial corruption and preventing and controlling financial risks."

  With the deepening of financial anti -corruption, many important officials in the financial sector in Liaoning Province were investigated.

According to the official website of the Liaoning Provincial Commission for Discipline Inspection, since 2021, Wang Zhongyin, Secretary of the Party Committee and Chairman of the Rural Credit Cooperative of Liaoning Province, Li Lin, former Party Secretary and Director of the Liaoning Regulatory Bureau of the China Banking Regulatory Commission, Li Lin, the former secretary of the Party Committee of the Northeast University of Finance and Economics, Liaoning Liu Bo, Secretary of the Party Committee and Chairman of the Financial Holding Group Co., Ltd., was investigated successively.

  The above -mentioned personnel are in the field of Liaoning’s financial field.

The "double -opening" report stated that Wang Zhongyin made a profit through financial activities such as private lending, intervened and intervene in the loan business of the subordinates, and made a profit for others in bank loans, and abused his power to cause major losses for the interests of the country and the people.

  Li Lin has long worked in the financial field of Liaoning, especially the former deputy director and director of the Liaoning Regulatory Bureau of the CBRC. Before the dismissal of Du Benwei, he was the party secretary of the Northeast University of Finance and Economics. He also previously served as the director of the Liaoning Provincial Rural Credit Cooperative Union and the mayor of Huludao City and Secretary of the Municipal Party Committee. Liu Bo was the director of the Financial Office of the Liaoning Provincial Government, the vice chairman of the Provincial Rural Credit Cooperative, director of the Provincial Local Financial Supervision and Administration Bureau, Secretary of the Party Committee and Chairman of Liaoning Financial Holding Group, and had a lot of influence in the financial field of Liaoning Province. As mentioned above, the Liaoning Provincial Government has issued special bonds to "blood transfusion" for small and medium banks. In fact, "blood transfusion" is completed by Liaoning Financial Holding Group.

Since December 2020, Liu Bo has been the "leader" of Liaoning Golden Control Group and has been in early March this year.

  From public reports, many people have been investigated in terms of small and medium -sized banks, involving many small and medium -sized banks such as Benxi Bank, Fuxin Rural Commercial Bank, Tieling Bank, and many branches under the Liaoning Agricultural Credit Cooperatives.

  For example, Li Ji, the former president of the Pingshan Sub -branch of Benxi Bank, Niu Jiliang, the former president of Fuxin Rural Commercial Bank, Zhang Tao, the president of Mingshan Sub -branch of the Commercial Bank of China, Deng Xiaoyu, the original president of Tieling Bank Kaiyuan Sub -branch, and Sanglin Credit Society, a Tai’an County Agricultural Credit Society Original director Wang Debao, former credit officer Li Yongde and so on.

  Why did the 63 small and medium -sized banks "first leader" were investigated in mid -May, and the CBRC also mentioned some reasons when disclosing information about the media.

According to the CBRC, "a group of corrupt elements who colluded with officials and merchants, the conversion of interests, and illegal occupation were ropeed to the law, and some of them were the staff of the financial management department of the" rising self -theft ". Professor Cao Heping, a professor at the School of Economics of Peking University, told China News Weekly that in the financial field, regulators are equivalent to the third "eyes" that are equivalent to the normal operation of the system. The interests of officials and financial institutions are not independent. Three eyes will be "blinded". The regulatory authorities themselves must be honest and have effective supervision of banks. He believes that a large number of small and medium -sized banks have fallen into a large number of horses, and technical variables are also important factor.

With the development of the digital economy, the traceability of information is getting stronger and stronger, and economic crimes are becoming more and more traceable.

  In the official report, these people mostly involve credit. The aforementioned Wang Zhongyin had issued a loan 100 million yuan in illegal regulations. Another example is Feng Qingli, the former general manager of the International Business Department of Anshan Bank, Song Jiawai, the former president of Benxi Bank, and Hu Fuli, the former director of the Shuncheng Rural Credit Cooperative Cooperative, all involved credit violations.

  From the perspective of the people who have fallen, there are characteristics of a certain case case. Taking the Agricultural Credit Society as an example, Wang Zhongyin, Liu Bo, Dubensi and others have worked at the Rural Credit Cooperatives in Liaoning Province. According to media statistics, after Wang Zhongyin’s dismissal, Liaoning Agricultural Agricultural Rural Farmers, Liaoning Agricultural Agriculture There are at least seven men in the system in a letter system. A bank practitioner told China News Weekly that, in fact, small and medium -sized banks also have weaknesses themselves. Compared with large banks, small and medium -sized bank loan processes and large operating space, the power of "first leaders" in the industry can not be restricted. Frequent form.

  In May this year, the CBRC also mentioned the weakness of small and medium banks in an interview with the media.

According to the CBRC, the "small, scattered, and weak" situations of small and medium -sized banks in rural areas are common, and some institutions still have problems such as inside people’s control, external manipulation, and illegal affiliated transactions. The above -mentioned bank practitioners mentioned that in actual operation, small and medium -sized banks were affected by local governments.

If local governments pressure on small and medium -sized banks, loans with relatively risks will be loaned.

  Dong Ximiao, chief researcher of the Institute of Internet Finance and Part -time Research Institute of Fudan University, also mentioned to China News Weekly that in some places, although local governments have not held small and medium bank shares or their shareholding ratios are low, they will interfere with small and medium -sized banking companies Governance. Regarding financial governance, Dong Ximiao suggested that when the local party committee government recommends candidates for small and medium -sized banks, they should put their employment experience and professional quality first. Do not push government officials who lack financial care experience to small and medium banks.

The regulatory authorities have approved the qualification approval system, and strictly control the senior and medium -sized bank executives, especially the "first leader" candidates. (Editor in charge: He Xin).