The hidden dangers of the risk of frequent misconducts of the agricultural and commercial banks are frequent.

Recently, another news has frequently swiped the screen -Shenyang Rural Commercial Bank undertakes the Liaoyang Agricultural Commercial Bank and the Town Bank of Etzihe Village. Related to a hot news last fall, Jiang Dongmei, the former president of Liaoyang Rural Commercial Bank, was suspected of accepting bribery and issuing loans illegally. He was arrested and repatriated. The outbreak of the Liaoyang Rural Commercial Bank was closely related to the crime of executives and was undertaken by Shenyang Rural Commercial Bank, indicating that the risk was huge and it was no longer able to resolve it. In recent years, executives of small and medium -sized institutions such as Rural Commercial Bank have frequently misunderstood duties. Until violations of crimes, risk incidents have been repeatedly broke out, and their lessons are profound.

The information of the agricultural and commercial executives disclosed in the past two years has settled in the related institutions of the related agencies. Like Jiang Dongmei, a Liaoyang Rural Commercial Bank, Su Shaoyun, former chairman of the Tongcheng Rural Commercial Bank in Anhui, fled after the crime. In 2019, Su Shaoyun returned to China to actively vote for the case. He was sentenced to 4 years in prison for reporting from Chen Pengli, a cadre at the main department level, and other reasons. Su Shaoyun is the first chairman of Tongcheng Rural Commercial Bank. During his tenure, he had accumulated more than 20 million bribes. Checking the data of the two years before and after the sentence of Su Shaoyun, the asset quality related indicators of Tongcheng Rural Commercial Bank were greatly lower than the regulatory standards at that time. At the end of 2018 and at the end of 2019 The coverage rate is only 41.23%and 53.89%.

Recently, due to the negligence of the main person in charge, the examples of the case of the internal cases of the rural commercial bank occurred from time to time. A few days ago, the Linyi Supervision Branch of the Banking Insurance Regulatory Supervisor made an administrative penalty decision because of the "three loans, insufficient credit management, inadequate credit management, inadequate employee behavior supervision and management, and inadequate control caused by cases." Commercial banks were fined 1.6 million yuan, and then Song Guanghui, then chairman, had a direct responsibility for issues such as the internal control of the institution that caused the case and other issues, and shall impose the top penalty of "prohibiting the lifelong work of the banking industry."

In February this year, the Hubei Banking Regulatory Bureau punished Qianjiang Rural Commercial Bank. Due to insufficient internal control, internal control systems were not strictly implemented, and internal control supervision was not in place. Qin Yu banned his life -long work; he warned and fined the responsible person Yang Jing; he warned the responsible person Li Guo, Liu Fang, Wu Peijun, and Ke Yunxia. Among them, Ke Yunxia is the chairman of the bank.

Due to violations of laws and regulations such as employees involving crimes, Shaanxi Pingli Rural Commercial Bank was also punished by the regulatory authorities. The administrative penalty decision shows that the credit funds are diverted for his use and the case control and control of the case is not in place. Two major violations of the criminal cases of employees have been fined 250,000 yuan and a fine of 300,000 yuan. The regulatory authorities also punished the person in charge of the loss of duty. Zhang Ye and Liu Zupeng were not in place to control the bank's case, and the employee's criminal case was responsible for management. Ye Jianhua bears direct responsibilities to warn the administrative penalty decision.

If there are cases caused by the negligence, there are also illegal acts such as concealment cases being punished heavy. In March of this year, Quanjiao Rural Commercial Bank received five consecutive tickets to the Anhui Banking Insurance Supervision Bureau and was fined 1.05 million yuan. The ticket shows that the bank has three illegal facts of the case of concealment cases, serious loan approval, and illegal mining loans. At the same time, the accountability and punishment were two chairman and two vice presidents of the Quanjiao Rural Commercial Bank. During the chairman of Ge Zaiqiu, he assumed direct responsibility for the bank's illegal and illegal acts of minimizing loans. He was warned and fined 80,000 yuan; during the period of Chen Yong's chairman, he was directly responsible for the bank's actions to report the case information, and he was warned and fined 110,000 yuan. The examination and approval of the violation of laws and regulations is directly responsible for the violation of laws and regulations, and was warned and fined 80,000 yuan. At that time, Wang Li, then deputy governor, assumed the direct responsibility for violations of the bank's loan approval. Fined 60,000 yuan.

Due to its small legal person system, farmers and commercial banks all over the world have the advantages of institutional levels and less mobility and flexibility, and the short -term response of the decision -making chain. However, on the other side of the coin, there is more space for dereliction of duty, and the loss may be more serious. (Reporter Xie Yuanhui)

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