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银行内控之困

????文 | 米格 本妹,封面 | 视觉中国,
,最近,各大银行都接到了小微企业贷的任务指标。“业务量比去年翻了一倍。”一些银行业务员表示。,
,不少业务员为了完成任务量,开始涉及一些违规操作:受贿返点、审核放水、伪造合同,等等。银行内控有时存在很大的问题,因为人员众多、业务线繁杂,任务量一旦压下来,就可能失控。,
,一位银行行长透露,曾经有业务员纵容企业伪造了8800万的合同而被判刑。,
,什么才是破解银行内控困境的终极答案?,
,01?“在去监狱的路上”,
,最近银行业务员的压力有点大,特别是小微企业贷部门的员工。,
,“分行领了几千万的工作量,给每个业务员都分配了上千万的任务指标。”一家银行分行的业务员小何称,必须完成,否则奖金全无。,
,不少银行业务员透露,他们的小微企业贷业务量比去年增加了一倍。,
,小何发现,身边有不少业务员为了完成指标,开始进行一些“灰色操作”,比如在审核的时候放水,帮助小微企业达到风控标准。,
,“没办法,小微企业虽然都缺钱,但能符合银行风控标准的太少。”小何称。,
,这些灰色操作,就像在埋下一颗颗地雷,随时可能有人踩中爆炸。,
,某银行山东某分行的行长郭璨记得,2016年下半年,自己的同事张莱明从看守所出来时的情景,“整个人看起来瘦了30斤。”,
,张莱明是银行的客户经理,业绩向来不错。几年前,他给某家企业放了一笔受托支付的贷款,涉及金额8800万。,
,郭璨回忆,当时张莱明提供了8800万的合同和相关证据,银行于是支付了这笔款项。,
,结果,企业在按时偿还了3000多万之后,剩下的5000多万不再还款。,
,按照流程,银行起诉了欠款企业。调查发现,张莱明疑似纵容企业伪造合同,虚构交易。,
,“张莱明确实在合同复印件上,签署了‘与原件核对一致’。”郭璨也承认,业绩压力与业内潜规则让他纵容了企业的小动作。,
,结果,张莱明被带走,直到2016年下半年才得以释放。,
,这只是冰山一角,在银行贷款业务中,客户经理的违规操作并不鲜见。,
,审核放水,伪造企业合作方,是业务经理常用的手段。,
,某行一位客户经理曾帮企业伪造合同放款,后又被这家机构举报,丢了工作。知情人士透露,这家机构还不上钱后,就去找银行投诉,说这笔贷款的贸易合同是假的,客户经理还提供了合同里的收款账户等。,
,如果企业正常还款,这些违规操作不会暴露,一旦企业经营出现问题,贷款逾期,所有风险都会爆发,甚至给银行人员带来灭顶之灾和牢狱之灾。,
,看似坚固的“联盟”,一经利益撕扯,往往分崩离析。,
,银行内部员工因违规操作而坐牢,这样的案例并不少见。,
,最近,某农商行支行的原行长被开除,就是因为有用户揭发其“骗贷”。,
,近期在风口浪尖上的包商银行,也出过员工违规操作的事件。2018年,原包商银行北京分行客户经理刘京鹏,因违法发放贷款罪,在法院一审判决中,被判处有期徒刑八年,并处罚金人民币5万元。,
,媒体报道称,刘京鹏在放贷时,与一名银行同事合伙收取了贷款方53.2万元的“咨询费”,而且对贷款企业的信用等级及提交的虚假资料,都未认真审核。这笔违规放贷造成包商银行2亿本金未能追回。,
,涉及贷款资金被挪用等问题时,银保监会对银行处罚,毫不手软。,
,6月4日,银保监公布了中国建设银行蚌埠市分行因伪造的审计报告向企业授信等违法违规行为,对其罚款人民币50万元。,
,媒体报道显示,2018年全年,银保监会共开出约4000张罚单,罚款21.56亿元。其中,受罚主体是银行从业人员的共计2044张,高出银行机构144张。,
,银行内控一旦失控,风险不可估量,员工轻则被开除、罚款,重则面临牢狱之灾。,
,一位银行从业者曾自嘲:“银行业务的诱惑和坑都太多了,我都不知道边界在哪里,感觉自己就是在去监狱的路上。”,
,02?内控挑战,
,银行是一个庞大且复杂的机构,它就像一个小国家,人员复杂、层级分明,大臣们经常“各怀鬼胎”。,
,而坐在头把交椅上的行长,更需要权衡利弊。,
,“风控是银行行长的第一课,但它在实际操作时却困难重重。”一位城商行行长王越直言。,
,首先,银行内部的激励体系,就存在一些潜在风险。银行的业务指标是刚性的,意味着它必须完成。,
,完不成,行长会因为“能力不足”而下课,而业务员会因为“不够努力”而没有奖金,甚至被罚扣工资。,
,在这样的刚性指标重压下,一些过激行为常常会出现。,
,“股东要求银行每年的回报达到一定标准。”多位银行行长表示,譬如达到13%。高层面对压力,会放松风控和战略;底层面对指标,会放水甚至作弊。,
,某银行客户经理坦言,他也曾因管理层压力,放了一笔明知有问题的高风险贷款。,
,其次,在银行内部,有很多默认“踩红线”的操作。,
,譬如,伪造贸易合同。,
,银行的下款周期长,如果企业每笔用款额度都要跟银行去申请,成本会比较高。所以,行业的潜规则是:企业找熟悉的上游客户签订个合同,贷款额度随随便便就是1000万元。,
,接着,上游客户再以退货、工程未按计划完成等名义,把钱回流到企业手里。,
,倒一手,就绕过了银行繁琐的流程,钱能顺利下来。,
,对于业务员来说,他们自认为这样操作的风险不大,也能完成工作量,甚至可以拿回扣,所以也常常参与其中。,
,在银行业存在大量的潜规则,目的就是绕过银行的繁琐流程,让金融更高效。,
,最后,除了完成工作量的被动作弊,还有很多业务员是为了油水,主动靠拢。,
,郭璨透露,一家分行能有上百种业务,而内控部门只有十几个人,“根本管不过来”。,
,他承认,很多时候,银行内控,都是靠基层员工自己上报业务情况。,
,依靠这样的内控模式,怎么可能找出问题、打到七寸?,
,在触手可及的金钱面前,一些银行业务员不再安分守己。,
,油水,是拿着“死工资”的银行业务员难以抵抗的诱惑。不少企业主都形成了惯性思维,去银行贷款不走正常程序,“直接找银行业务员,递烟塞红包”。,
,“尤其是一些‘油水大’的委外业务。”业内人士林辰坦言,委外催收业务是重灾区。,
,目前,一家银行会同时对接多家委外催收。为了接单,很多委外催收机构都会给银行业务员返点。,
,“一般都返1%~2%。”林辰表示。也就是说,催收公司每月催回100万元,会返1万~2万元。,
,“一些银行业务员负责的催收体量大,他们挣出几套房子也是有可能的。”林辰表示。,
,潜规则、吃回扣、体制僵化,都让银行的内控不得喘息。,
,03?终极答案,
,坚固的堡垒多是从内部瓦解。金融最大的风险,也往往不是来自外部的欺诈和骗贷,而是来自系统内部。,
,比如领导者过激的发展策略,或者内外勾结。,
,因此,内控是一个永恒的话题。,
,在某种意义上,内控要控的,是内部人员的欲望和贪念——面对巨大的利益诱惑,除非这个人是圣人,否则他不太可能毫不动心。,
,因此,任何考验人性的实验,往往会以失败告终。,
,永远不要尝试去考验人性,要用制度和技术去束缚人性。,
,银行也在尝试用一些制度手段去束缚人性,譬如“垂直免责合同”。,
,所谓垂直免责,是指银行高层在提醒银行业务员哪些操作是违规、不合法的之后,如果银行业务员仍违规操作,就需要个人承担责任。,
,很多银行业务员都曾签署过这样的合同。,
,“实际上,银行每年都会有一定比例的业务员,因违规操作受到处罚。”王越表示。,
,而且,这种处罚越来越细化和严格,也在与银行从业者工资挂钩。,
,“一笔业务出现坏账,银行客户经理可能就要自己去催收,如果催不回来,就要把他的工资减到原来的三分之一。”一位银行客户经理表示。,
,即便这个客户经理想离职,银行也会要求其补缴罚款后才能离开。,
,银行内控制度发展的终极方向,是权责明确,层层划分,系统化。,
,媒体报道显示,目前平安银行在全国650家网点配置了内控合规主任,队伍有950人。而某国有银行员工也表示,他们行有内审总局,各个分行还设立了内审部门。,
,除了使用制度手段,另一个内控方式就是使用技术手段。某国有银行从业者表示,他们新上了一套监控系统。使用这套系统后,假设一位员工进行了拷贝数据、修改进件等风险操作,系统就会直接提示他的管理者。,
,当然,在制度和技术手段之外,最核心的手段,应该是对KPI制度的改进。,
,“任务量的多少,应该是随着市场环境的好坏来定的。”一位金融科技公司的CEO称,如果市场环境好,可以做大市场;如果出现黑天鹅事件,就要及时收缩。,
,而不接受市场调控的刚性指标,无疑是僵化且不合理的。,
,小微企业贷的热潮,正在银行间如火如荼地涌现。,
,小何十分担心,在如此重的业务指标下,很多业务员是否已开始了违规操作。他还担心,自己最终也把持不住。,
,一旦失控,就在未来埋下了风险的种子……,
,*文中部分受访者为化名。

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gou 144 zhang.,, yin hang nei kong yi dan shi kong, feng xian bu ke gu liang, yuan gong qing ze bei kai chu fa kuan, zhong ze mian lin lao yu zhi zai.,, yi wei yin hang cong ye zhe ceng zi chao:" yin hang ye wu de you huo he keng dou tai duo le, wo dou bu zhi dao bian jie zai na li, gan jue zi ji jiu shi zai qu jian yu de lu shang.",, 02 nei kong tiao zhan,, yin hang shi yi ge pang da qie fu za de ji gou, ta jiu xiang yi ge xiao guo jia, ren yuan fu za ceng ji fen ming, da chen men jing chang" ge huai gui tai".,, er zuo zai tou ba jiao yi shang de hang zhang, geng xu yao quan heng li bi.,," feng kong shi yin hang hang zhang de di yi ke, dan ta zai shi ji cao zuo shi que kun nan chong chong." yi wei cheng shang hang hang zhang wang yue zhi yan.,, shou xian, yin hang nei bu de ji li ti xi, jiu cun zai yi xie qian zai feng xian. yin hang de ye wu zhi biao shi gang xing de, yi wei zhe ta bi xu wan cheng.,, wan bu cheng, hang zhang hui yin wei" neng li bu zu" er xia ke, er ye wu yuan hui yin wei" bu gou nu li" er mei you jiang jin, shen zhi bei fa kou gong zi.,, zai zhe yang de gang xing zhi biao zhong ya xia, yi xie guo ji xing wei chang chang hui chu xian.,," gu dong yao qiu yin hang mei nian de hui bao da dao yi ding biao zhun." duo wei yin hang hang zhang biao shi, pi ru da dao 13. gao ceng mian dui ya li, hui fang song feng kong he zhan lue di ceng mian dui zhi biao, hui fang shui shen zhi zuo bi.,, mou yin hang ke hu jing li tan yan, ta ye zeng yin guan li ceng ya li, fang le yi bi ming zhi you wen ti de gao feng xian dai kuan.,, qi ci, zai yin hang nei bu, you hen duo mo ren" cai hong xian" de cao zuo.,, pi ru, wei zao mao yi he tong.,, yin hang de xia kuan zhou qi zhang, ru guo qi ye mei bi yong kuan e du dou yao gen yin hang qu shen qing, cheng ben hui bi jiao gao. suo yi, hang ye de qian gui ze shi: qi ye zhao shu xi de shang you ke hu qian ding ge he tong, dai kuan e du sui sui pian pian jiu shi 1000 wan yuan.,, jie zhe, shang you ke hu zai yi tui huo gong cheng wei an ji hua wan cheng deng ming yi, ba qian hui liu dao qi ye shou li.,, dao yi shou, jiu rao guo le yin hang fan suo de liu cheng, qian neng shun li xia lai.,, dui yu ye wu yuan lai shuo, ta men zi ren wei zhe yang cao zuo de feng xian bu da, ye neng wan cheng gong zuo liang, shen zhi ke yi na hui kou, suo yi ye chang chang can yu qi zhong.,, zai yin hang ye cun zai da liang de qian gui ze, mu di jiu shi rao guo yin hang de fan suo liu cheng, rang jin rong geng gao xiao.,, zui hou, chu le wan cheng gong zuo liang de bei dong zuo bi, hai you hen duo ye wu yuan shi wei le you shui, zhu dong kao long.,, guo can tou lu, yi jia fen hang neng you shang bai zhong ye wu, er nei kong bu men zhi you shi ji ge ren," gen ben guan bu guo lai".,, ta cheng ren, hen duo shi hou, yin hang nei kong, dou shi kao ji ceng yuan gong zi ji shang bao ye wu qing kuang.,, yi kao zhe yang de nei kong mo shi, zen me ke neng zhao chu wen ti da dao qi cun?,, zai chu shou ke ji de jin qian mian qian, yi xie yin hang ye wu yuan bu zai an fen shou ji.,, you shui, shi na zhe" si gong zi" de yin hang ye wu yuan nan yi di kang de you huo. bu shao qi ye zhu dou xing cheng le guan xing si wei, qu yin hang dai kuan bu zou zheng chang cheng xu," zhi jie zhao yin hang ye wu yuan, di yan sai hong bao".,," you qi shi yi xie' you shui da' de wei wai ye wu." ye nei ren shi lin chen tan yan, wei wai cui shou ye wu shi zhong zai qu.,, mu qian, yi jia yin hang hui tong shi dui jie duo jia wei wai cui shou. wei le jie dan, hen duo wei wai cui shou ji gou dou hui gei yin hang ye wu yuan fan dian.,," yi ban dou fan 1 2." lin chen biao shi. ye jiu shi shuo, cui shou gong si mei yue cui hui 100 wan yuan, hui fan 1 wan 2 wan yuan.,," yi xie yin hang ye wu yuan fu ze de cui shou ti liang da, ta men zheng chu ji tao fang zi ye shi you ke neng de." lin chen biao shi.,, qian gui ze chi hui kou ti zhi jiang hua, dou rang yin hang de nei kong bu de chuan xi.,, 03 zhong ji da an,, jian gu de bao lei duo shi cong nei bu wa jie. jin rong zui da de feng xian, ye wang wang bu shi lai zi wai bu de qi zha he pian dai, er shi lai zi xi tong nei bu.,, bi ru ling dao zhe guo ji de fa zhan ce lue, huo zhe nei wai gou jie.,, yin ci, nei kong shi yi ge yong heng de hua ti.,, zai mou zhong yi yi shang, nei kong yao kong de, shi nei bu ren yuan de yu wang he tan nian mian dui ju da de li yi you huo, chu fei zhe ge ren shi sheng ren, fou ze ta bu tai ke neng hao bu dong xin.,, yin ci, ren he kao yan ren xing de shi yan, wang wang hui yi shi bai gao zhong.,, yong yuan bu yao chang shi qu kao yan ren xing, yao yong zhi du he ji shu qu shu fu ren xing.,, yin hang ye zai chang shi yong yi xie zhi du shou duan qu shu fu ren xing, pi ru" chui zhi mian ze he tong".,, suo wei chui zhi mian ze, shi zhi yin hang gao ceng zai ti xing yin hang ye wu yuan nei xie cao zuo shi wei gui bu he fa de zhi hou, ru guo yin hang ye wu yuan reng wei gui cao zuo, jiu xu yao ge ren cheng dan ze ren.,, hen duo yin hang ye wu yuan dou ceng qian shu guo zhe yang de he tong.,," shi ji shang, yin hang mei nian dou hui you yi ding bi li de ye wu yuan, yin wei gui cao zuo shou dao chu fa." wang yue biao shi.,, er qie, zhe zhong chu fa yue lai yue xi hua he yan ge, ye zai yu yin hang cong ye zhe gong zi gua gou.,," yi bi ye wu chu xian huai zhang, yin hang ke hu jing li ke neng jiu yao zi ji qu cui shou, ru guo cui bu hui lai, jiu yao ba ta de gong zi jian dao yuan lai de san fen zhi yi." yi wei yin hang ke hu jing li biao shi.,, ji bian zhe ge ke hu jing li xiang li zhi, yin hang ye hui yao qiu qi bu jiao fa kuan hou cai neng li kai.,, yin hang nei kong zhi du fa zhan de zhong ji fang xiang, shi quan ze ming que, ceng ceng hua fen, xi tong hua.,, mei ti bao dao xian shi, mu qian ping an yin hang zai quan guo 650 jia wang dian pei zhi le nei kong he gui zhu ren, dui wu you 950 ren. er mou guo you yin hang yuan gong ye biao shi, ta men xing you nei shen zong ju, ge ge fen hang hai she li le nei shen bu men.,, chu le shi yong zhi du shou duan, ling yi ge nei kong fang shi jiu shi shi yong ji shu shou duan. mou guo you yin hang cong ye zhe biao shi, ta men xin shang le yi tao jian kong xi tong. shi yong zhe tao xi tong hou, jia she yi wei yuan gong jin xing le kao bei shu ju xiu gai jin jian deng feng xian cao zuo, xi tong jiu hui zhi jie ti shi ta de guan li zhe.,, dang ran, zai zhi du he ji shu shou duan zhi wai, zui he xin de shou duan, ying gai shi dui KPI zhi du de gai jin.,," ren wu liang de duo shao, ying gai shi sui zhe shi chang huan jing de hao huai lai ding de." yi wei jin rong ke ji gong si de CEO cheng, ru guo shi chang huan jing hao, ke yi zuo da shi chang ru guo chu xian hei tian e shi jian, jiu yao ji shi shou suo.,, er bu jie shou shi chang tiao kong de gang xing zhi biao, wu yi shi jiang hua qie bu he li de.,, xiao wei qi ye dai de re chao, zheng zai yin hang jian ru huo ru tu di yong xian.,, xiao he shi fen dan xin, zai ru ci zhong de ye wu zhi biao xia, hen duo ye wu yuan shi fou yi kai shi le wei gui cao zuo. ta hai dan xin, zi ji zui zhong ye ba chi bu zhu.,, yi dan shi kong, jiu zai wei lai mai xia le feng xian de zhong zi,, wen zhong bu fen shou fang zhe wei hua ming.

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英雄联盟职业联赛:EDG、BLG胜利收官常规赛

????2019LPL(英平湖针织品批发_366行业资讯网雄联盟职业联赛)夏季赛常规赛14日进入收官阶段,EDG战队2:0战胜SN战队,以一场胜利结束了常规赛的征程。BLG战队反客为主,2:0战胜RNG战队,以六连胜为常规赛画上了圆满的句号。

????  在率先进行的EDG战队与SN战队的争夺中,EDG战队首局在劣势情况下稳住阵脚,双方鏖战50分钟,多次打出精彩团战,引得现场粉丝多次爆发惊呼,最终EDG战队凭借关键团战的胜利先下一城。第二局EDG战队乘胜追击,从一开始就占据了主动,速战速决,25分钟就终文化用品公司取名_366行业资讯网结了对手,2:0取得了比赛的胜利。

????  本场胜利帮助EDG战队锁定了联赛第五名的位置,也帮助SN战队的竞争对手BLG战队锁定第四。

????  随后,BLG战队作客RNG电子竞技中心对阵RNG战队。本场比赛前,BLG战队已经豪取五连胜,打野曾国电子信息工程学的专么_366行业资讯网豪(ID: Meteor)蝉联周最佳打野,RNG战队则是刚刚力克春季赛冠军iG战队,两队均状态上佳。

????  首局比赛,BLG战队在曾国豪的带领下几次打赢小规模团战,配合上单姜建模(ID: Add)积累了优势,随后他们稳扎稳打,逐渐扩大领先。虽然RNG战队在逆风情况下两次发起绝地反击,但无奈与对手经济差距过大,难以抵挡BLG战队潮水般的攻势。1:0,BLG战队占得先机。

?? 电子信息产业集团排名_366行业资讯网;?  第二局比赛,RNG战队上单选手谢镇营(ID: Langx)替补登场,但依然没能限制BLG战队上野电子信息科学与技术 专业分类_366行业资讯网组合的出色发挥。虽然RNG战队在前期稍有优势,但BLG战队通过稳健的运营逐渐逆转局势,最终2:0赢得了比赛的胜利。

????  BLG战队从春季赛排名第九跃升至夏季赛第四,取得了不小的突破,赛后教练沈成洙表示,春季赛的时候队员们刚刚开始配合,所以成绩不算理想,夏季赛队员们配合更加默契,队友间相互信任,这是队伍最大的进步,战队季后赛的目标就是夺得冠军。

????  本场失利之后,RNG战队在排名上也被TES战队反超,滑落至第三位,丧失了争夺前两名直接晋级季后赛半决赛的主动权。

????  随着联赛进入尾声,FPX、TES、RNG、BLG、EDG和SN六支战队已经锁定季后赛名额,iG战队、LNG战队和WE战队将争夺最后两张季后赛门票。

????  LPL夏季赛电子半导体公司有哪些_366行业资讯网常规赛将于18日在上海落下帷幕。

???? 原标题:英雄联盟职业联赛:EDG、BLG胜利收官常规赛

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