Nine Gua | Bringing the storm again!Why do financial rumors be banned repeatedly?

Author | Su Xiao (Writers of Jiu Gua Financial Circle)

Source | Jiu Guo Financial Circle

Edit | Wu Wen Zhang Yundi

Beauty | Yang Wenhua

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"In a word to make rumors, rumors have broken legs." In recent years, the financial regulatory authorities and public security departments have increased their blow to rumors. In response to the rumor of Nanjing Bank, a securities firmer analyzed by the analyst of the analysis of the security management of the law, but why the rumors involved in the financial institutions could not be ignored!

Recently, Bank of Nanjing has been trapped in public opinion. In the complicated and complicated news, a brokerage company analyzed the chat history of Moumou on social platforms was widely circulated, but his remarks were finally confirmed to be rumored.

On July 3rd, Nanjing Public Security Bureau issued a notice through its WeChat public account "Nanjing Police" that at 20:00 on July 1, Nanjing Bank called the police to the public security organs, saying that netizens spread rumors about Nanjing Bank. Public security organs found that at 18:00 on June 30, netizen Fu Moumou (male, 39 years old), for the purpose of Bo's eyeball, published the false information about Nanjing Bank in the community owner's WeChat group. Bad influence.

At this point, although the brokerage analyst has taken the initiative to take measures to eliminate the impact and admits it, it has been dismissed by the business brokerage firms. At the same time, the public security organs also punished them in accordance with the law.

Creating rumors can cause financial risks

"In a word to make a rumor, rumor runs off your legs." In response to the rumors of Nanjing Bank, many banks lamented that rumors may be in the fact that rumors may be in the "eyeballs" or "earning traffic". Published news of rumors, the market may also be doubtful. But these rumors are likely to hurt banks.

An industry insider said that Fu Moumou's remarks such as "greater risks" and "suggesting storage households to withdraw money as soon as possible" and other remarks, in extreme cases, are likely to have financial risks. Listing banks are different from other companies. After major reputation risks, in addition to significant fluctuations in the stock price, the market is not confident in banks, and it is very likely that the concentrated withdrawal of stores will be concentrated. The reputation of social and economic order.

"For the banking industry, reputation is obviously more important than other industries." A banker said that there are two main reasons. One is because the bank is dealing with "other people's money". Customers put the money in the bank, premise It is trust, trust comes from reputation, and the reputation of the bank has the characteristics of self -verification. A good bank may also be withdrawn a large number of customers because of a rumor. In external costs, if a bank has a problem, other banks will be affected and affected, and may even cause the entire financial system crisis.

Some insiders in the business in the business said that in this incident, the identity of the analysts of Fu Moumou brokerage firms is more special. According to the analysis and interpretation of hot events, if there is no conclusive evidence, the impact of fermentation may be greater. Because of this, the public remarks of securities business analysts need to be reviewed after review, which is the basic principle of being responsible for the market.

In fact, such reputation risks did happen in history. On September 17, 2007, Beiyan Bank was completely nationalized. This is the first large -scale financial institution in the UK since 1866 and the closure of the subprime crisis. In the subprime mortgage crisis, due to the early exposure of the media, the Bank of England provided a financing for Beiyan Bank, saying that assistance was imminent, which led to the storage squeeze. Through the withdrawal of Beiyan Bank's outlets and online banking, it makes it difficult for Beiyan Bank's network system to deal with it. Subsequently, when the news that the reserve was unable to withdraw from the Internet, the panic was further intensified, and within a few days, the cumulative withdrawal of the reserved households withdrew more than 3 billion pounds.

It is precisely due to the special nature of the bank that the CBRC issued the "Measures for the Management of the Reputation Risk Management of Bank Insurance Agency (Trial)" in February last year, which upgraded the bank's reputation risk from this to "method" to "method", and asked the bank to reputation for reputation Risk management is included in the comprehensive risk management system, and the four important principles of reputation risk management "forward -looking, matching, full coverage, and effectiveness". This helps to guide commercial banks to establish and improve reputation risk management systems, and enhance the ability of commercial banks to comprehensively risk management.

The penalties of rumors have increased their penalties

In recent years, the financial regulatory authorities and public security departments have increased their crackdown on rumors. In addition to the brokerage analysts in Nanjing Bank's public opinion storm incident this time, in recent years, the public security bureaus of various regions have also notified a number of financial market rumors to be punished.

On October 11, 2019, the Security Bureau of the Public Security Director of Shijiazhuang City issued a police report: On August 7, there was information on the Internet that "the People's Bank of China decided that from August 10, 2019, the RMB loan and loan and loan and loan and loan of financial institutions will be lowered. The benchmark interest rate of deposit ". At about 19 pm on the same day, the People's Bank of China made rumors on the official WeChat public account and reported to the public security organs. In the end, the rumor Wang Motao had been punished by administrative detention by the Changan Branch in accordance with the law for 10 days for publishing false information.

In March of the same year, the rumor Chen compiled the false information of "the People's Bank of China decided from April 1, 2019 to reduce the deposit reserve rate of 0.5 percentage points of financial institutions and published it in the WeChat group. Subsequently, members of the group forwarded the information, causing related false information to spread on the Internet in a large area. The public security organs have punished Chen for 5 days in accordance with the law. A lawyer focusing on the financial industry said that the fabrication and dissemination of false financial information is a behavior that is strictly prohibited by my country's laws and regulations. This has clearly stipulated in the Criminal Law and the Securities Law. In recent years, it was punished by administrative penalties for fabricating and spreading false financial information and has been fined from time to time.

According to reports, online rumors are generally punished in accordance with the law of the punishment of public security management on the disruption of public order. At least 10 days of detention and a fine of less than 500 yuan. If you fabricate the facts and slander others, if the circumstances are serious, it may constitute the crime of defamation. According to Article 246 of the Criminal Law, intentionally fabricating and spreading the fictional facts is enough to degrade others, destroy the reputation of others, and serious circumstances. At the same time, if the information network slander others and causes group incidents and cause chaos in public order, it shall be identified as "seriously endangering social order and national interests."

In addition, rumors will have a great negative impact on the rumors themselves. Some people in the industry said that taking the rumor of the Nanjing Bank incident as an example, it will be dismissed by the inauguration brokerage company because of making rumors disrupting the market, which will become the "stain" in Fu Moumou's career. influences.

Rumor making rumors can easily cause financial risks, and rumors themselves will cause legal risks!

Therefore, the financial order is related to social stability, do not take a short time, and express the improper remarks that may disrupt the financial order at will!

Why do financial rumors be banned repeatedly?

"The financial market is a complicated market, and there are many places with opaque information. Therefore, when some negative news appears, the market speculation and questioning will appear." A banker said Those who exclude the purpose of "blogging"; at the same time, there are many games in some incidents, and it is not ruled out that some people make profits from it in this way.

A person with a long -term attention of bank reputation believes that in recent years, the central government decision -making resolution financial risks and rectification of financial chaos. All types of financial risks and financial violations have begun to fully expose, which can easily lead to the market's high concern and the media have reported in -depth reports. In particular, there have been many risk incidents in the industry, and this reputation risk may have strong risk overflow.

It is worth noting that in the "public opinion storm" of the Bank of Nanjing, Nanjing Bank not only called the police in the first incident, but also clarified it. It also passed on to the market through the release of performance express reports, convertible bonds to equal diverters, etc. Take good business.

According to Nanjing Bank's performance express, the bank achieved operating income of 23.532 billion yuan in the first half of the year, an increase of 3.295 billion yuan from the same period last year, an increase of 16.28%year -on -year; 1696 billion yuan, an increase of 20.06%year -on -year. At the same time, the adverse rate was 0.90%, a decrease of 0.01 percentage points from the beginning of the year; the preparation coverage rate was 395.17%, which maintained basically stable.

In addition, some financial practitioners also said that financial market participants should rationally identify rumors and do not believe in rumors and rumors. "Participants or onlookers in the financial market may still be information producers and communicators. Therefore, they should rationally identify authenticity, enhance legal awareness and network consciousness, resolutely resist rumors, and jointly maintain standardized and good financial markets together order."

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