What we are facing is not layoffs and salary cuts to break the "iron rice bowl", but 3452 tickets issued by the China Banking Regulatory Commission! Among them, 1877 institutions and 1547 responsible persons were fined, and the amount of confiscation was nearly 3 billion yuan.
However, since 20 18, CBRC has issued two large fines on June 5438+ 10/2 and June 5438+09 respectively. Yesterday (June 5438+1October 27th), the CBRC issued another billion-dollar fine: 12 banks were fined 295 million. This seems to indicate that the 20 18 of the banking industry will still be nervous.
▲ Image source: vision china
Huge fines are one after another.
In the history of banking supervision, never before have so many banking institutions eaten so many tickets in one year. Compared with 20 16, the number of punishment institutions has increased by nearly 3 times, and the amount of fines and confiscations has exceeded 10 times!
654381October 27th, China Banking Regulatory Commission announced that it had investigated and dealt with the bill violation case of Wenchang Road Sub-branch of Gansu Wuwei Postal Savings Bank, and imposed a fine of 295 million yuan on the 12 banking financial institution involved.
At the end of 20 16, 12, Gansu branch of the Postal Savings Bank found that the funds purchased by Jilin Jiaohe Rural Commercial Bank for the branch's wealth management were misappropriated, exposing the case that the former president of the branch illegally took the bill funds in the name of Wuwei branch of the Postal Savings Bank. The face value of the bills involved was 7.9 billion yuan, and the financial management funds were misappropriated by 3 billion yuan.
▲ Image source: screenshot of CBRC announcement
On February 20 17, 17, China guangfa bank received the "biggest fine in history" since the establishment of the CBRC: 722 million yuan! Among them, the illegal income175,537,900 yuan was confiscated, and the fine was 5,26613,700 yuan for three times. The industry is in shock.
According to the investigation by the reporter of the National Business Daily, on February 20, 2006, the private debt of 6,543.8 billion yuan issued by two companies of Guangdong Huizhou Qiaoxing Group on the platform of "Lucky Treasure" could not be paid due. Zheshang Property Insurance Company provided guarantee insurance for this private debt, but the company claimed that Guangfa Bank Huizhou Branch issued a guarantee for it. Since then, more than 65,438+00 financial institutions have successively inquired about and claimed creditor's rights from Guangfa Bank through a package of guarantees and other agreements. This exposed cases of internal and external collusion, private seal carving and illegal guarantee between employees of Guangdong Development Bank Huizhou Branch and employees of Qiaoxing Group, involving about 654.38+02 billion yuan, including about 654.38+00 billion yuan from banking financial institutions, which were mainly used to cover up the bank's huge non-performing assets and operating losses.
The China Banking Regulatory Commission said that this is a rare major case in recent years in which internal employees of banks collude with external criminals, involving huge amounts of money, numerous institutions, serious circumstances, bad nature and extremely bad social impact.
▲ Image source: screenshot of CBRC announcement
Then, on June 65438+ 10/2, according to the news of Heilongjiang Banking Regulatory Bureau, the wealth management products of China Industrial and Commercial Bank of China Heilongjiang Branch were suspected of violating the rules, and most of the violations involved modifying the contract text to sell the company's wealth management products. Among them, the violations of the business departments of Qiqihar Branch, Daqing Branch and Heilongjiang Branch of ICBC also include unauthorized sales of corporate wealth management products. Heilongjiang Banking Regulatory Bureau said that according to the principle of fair punishment, ICBC Heilongjiang Branch and its 13 secondary branches and responsible persons were fined a total of 34 million yuan according to law.
▲ Image source: screenshot of CBRC announcement
In addition, on June 9, 2008, the CBRC announced another recent fine of 100 million yuan: Chengdu Branch of Shanghai Pudong Development Bank was fined 462 million yuan for covering up non-performing loans.
According to the announcement of China Banking Regulatory Commission in official website, the former president, two vice presidents, 1 department head and 1 branch president of Shanghai Pudong Development Bank were banned from banking for life, disqualified from senior management, warned and fined respectively. The former president of Chengdu Branch was dismissed, two former vice presidents were demoted and severely punished, and the middle-level and below responsible personnel of Branch 195 were held accountable internally.
▲ Image source: screenshot of CBRC announcement
20 17 regulatory orders are the most intensive. What will happen on 20 18?
In the past, hundreds of thousands of fines did not matter to a bank with a large family business, and some institutions took risks with luck. This supervision makes it possible to confiscate illegal income and impose a fine of 65,438+0 to 5 times. For banks with annual profits of tens of billions of yuan, although they will not go bankrupt, they will be "painful" for a long time.
This regulatory storm began in the first quarter of 20 17. Guo Shuqing, the new chairman of the China Banking Regulatory Commission, released a strong regulatory signal at the press conference of the State Council Office.
Soon after, the regulatory orders of the China Banking Regulatory Commission came one after another, with dozens of various documents throughout the year. The industry shouted that "there are too many documents to learn". Among them, the most concerned are the special treatment of "violation of laws and regulations", "regulatory arbitrage, idling arbitrage, related arbitrage", "improper innovation, improper trading, improper incentives, improper fees" and the rectification of the top ten chaos, commonly known as "3340" in the industry.
According to Xinhua News Agency, during this inspection, the regulatory authorities found 59,700 problems, involving an amount of 17.65 trillion yuan. This effort has laid a good foundation for the further introduction of targeted regulatory measures.
In the face of the "great change in painting style" of the regulatory agencies, some institutions are terrified, while others say, "My heart is finally down to earth, and it should have been down to earth long ago." Some bankers said that in the past, meetings between peers usually talked about the scale of performance, but now it is mostly compliance management.
It is not only the market institutions that feel the pressure, but also the regulators themselves.
As far as this round of banking supervision is concerned, in fact, there are not many new policies, most of which emphasize or sort out the previous policies and measures, but it makes institutions feel unprecedented pressure, largely because the implementation of the previous policies is not enough. Only by strengthening the accountability and restraint of front-line supervision law enforcers can we ensure that the supervision policies are implemented.
From July, 2065438 to July, 2007, the system of "separation of public and private" and "avoidance of performing duties" of China Banking Regulatory Commission was introduced, which freed the supervisors from the relationship troubles and dared to touch the truth.
To cut off the interest relationship, we must also get rid of the positioning deviation. The CBRC has made a public statement, focusing on preventing and dealing with various financial risks, rather than making the banking industry bigger and stronger.
Hundreds of banks have taken the initiative to shrink their balance sheets, and their interbank business, bank wealth management and off-balance sheet business have all shrunk. The growth rate of loans exceeds the growth rate of assets ... The first battle of "blocking the war" against banking chaos was successful.
20 18 10/5 October, China Banking Regulatory Commission issued Order No.2008, Interim Measures for Equity Management of Commercial Banks. 20 18, emphasizing "penetrating" equity management, means that bank supervision has entered the deep water area of "gnawing hard bones"
Subsequently, "Key Points of Banking Market Chaos Control in 20 18" listed 22 key control areas in 8 aspects and explained them in detail one by one. It can be said that all kinds of routines that market institutions violated laws and regulations in the past have been swept away.
Continue to dismantle shadow banks, clean up and standardize financial holding companies, dispose of high-risk banking institutions in an orderly manner, and thoroughly rectify all kinds of illegal financial behaviors. ...
Every job is not easy, and the CBRC in 20 18 will be busier.
You must know the law to make a lot of money.