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北京银保监局重拳整治票据市场乱象 今年以来多家银行因票据业务违规被罚

2019-08-26 00:23    来源:未知    

  近日,北京银保监局印发《关于规范银行业金融机构票据业务的监管意见》(以下简称《意见》),引导票据业务回归本源、支持实体经济,遏制资金脱实向虚,防范金融风险。《每日经济新闻》记者注意到,今年以来已有多家银行因票据业务违规被罚。

  近日,北京银保监局印发《关于规范银行业金融机构票据业务的监管意见》(以下简称《意见》),引导票据业务回归本源、支持实体经济,遏制资金脱实向虚,防范金融风险。

  《意见》针对银行业金融机构票据业务提出审慎办理异地企业票据业务、审慎办理商业承兑汇票相关业务、规范票据业务贸易背景审查、规范票据业务资金审查、规范高比例担保票据业务等七个监管意见。

  《意见》指出,为深化金融乱象治理,促进辖内银行业金融机构合规建设,引导票据业务回归本源、支持实体经济,遏制资金脱实向虚,防范金融风险,促进辖内票据业务健康有序发展,现提出如下监管意见:

  一、审慎办理异地企业票据业务。辖内银行业金融机构应严格审慎办理非辖内注册企业的票据承兑和直贴业务,应对此类企业建立严格的准入标准,实行名单制管理,并根据业务风险状况及时动态调整客户名单。辖内银行业金融机构(除财务公司外)办理异地企业票据承兑和直贴业务,原则上应以与辖内注册企业存在债权债务关系的京津冀协同发展区域内企业、以辖内注册企业为核心的供应链企业为客户对象。

  二、审慎办理商业承兑汇票相关业务。辖内银行业金融机构应严格审慎办理以商业承兑汇票(以下简称“商票”)或其收益权为基础资产或对象的同业投资业务、资产证券化业务,以及福费廷、保理、质押等业务,应建立严格的业务管理和风险控制制度,应配备专业的合规、风险管理和操作人员,应严格按照业务经济实质计量信用风险加权资产。辖内银行业金融机构办理商票相关业务,应实施严格的企业授信管理和名单制管理,并根据业务风险状况及时动态调整。辖内银行业金融机构(除财务公司外)办理商票直贴、保贴、保兑、保证等业务,原则上应以辖内注册企业或以辖内注册企业为核心的供应链企业为客户对象。

  三、规范票据业务贸易背景审查。严禁辖内银行业金融机构为成立时间、实缴资本、营业收入等与业务金额严重不匹配的客户办理票据承兑和直贴业务,不得以承兑行授信额度审查代替贴现申请人资质审查。辖内银行业金融机构办理票据承兑和商票直贴业务,应严格执行纸质、单据等原件签注政策。已办结的票据承兑和商票直贴业务无法证明贸易背景实性的,不得叙作业务。严禁为存在购销合同关键要素表述错误、购销合同与或其他单据逻辑不一致等情形的企业办理票据承兑和商票直贴业务。办理以大宗商品贸易为背景的票据承兑和商票直贴业务,必须审查与商品交割相关的仓单、提单等单据。辖内银行业金融机构办理票据承兑和直贴业务,应根据企业近年来经核实的财务数据、成立时间、经营流水、纳税记录、结算模式等综合审慎核定企业年度票据业务发生额上限。

  四、规范票据业务资金审查。严禁辖内银行业金融机构票据承兑业务担保资金(包括但不限于保证金、质押存单、质押理财产品投资款)来源于或其他债务性资金、直贴资金。严禁票据直贴业务资金违规回流至贴现申请人任一前手;存在违规回流的,不得为同一贴现申请人叙作业务。

  五、规范高比例担保票据业务。全面从严监管辖内银行业金融机构以保证金、理财产品、存单等高比例质押担保方式办理的票据承兑和直贴业务。严禁辖内银行业金融机构通过上述高比例担保票据业务调节资产质量、违规吸收存款、接续到期理财产品等监管套利行为。不得以风险程度较低为由放松对高比例担保票据业务的贸易背景真实性审查。

  六、及时报送业务信息。我局将票据业务监管月报表纳入区域特色报表体系。辖内银行业金融机构应于当月前10个自然日内通过数据采集平台报送前月数据,并且严格确保数据准确。

  七、严厉惩处票据业务违规行为。辖内银行业金融机构办理票据业务应严守合规底线,强化内控建设,提高风险管理水平,落实风险防范责任。我局将在后续监管中进一步加强现场检查和非现场监测力度,对违规行为依法实施行政处罚,并责令内部严格问责,并视情况采取暂停相关业务或市场准入等监管强制措施。

  《每日经济新闻》记者注意到,日前,中国人民银行发布2019年上半年金融统计数据报告。报告显示,上半年人民币增加9.67万亿元,同比多增6440亿元。分部门看,非金融企业及机关团体增加6.26万亿元,其中,短期增加1.47万亿元,中长期增加3.48万亿元,票据融资增加1.18万亿元。

  7月17日,江苏丹徒蒙银村镇银行股份有限公司因违规办理票据贴现业务,被中国银行保险监督管理委员会镇江监管分局罚款人民币40万元。

  4月18日,中原银行股份有限公司驻马店分行因三查严重不尽职,违规办理票据业务问题,被驻马店银保监分局罚款30万元。

  3月12日,华夏银行股份有限公司大连分行因对银行承兑汇票的保证金来源审核不够严格,未能有效识别保证金实际来源于本行或贴现资金,信贷资金回流本行作银承保证金,被中国银行保险监督管理委员会大连监管局罚款人民币50万元。

  3月12日,浦发银行大连分行因滚动开立无真实性贸易背景银行承兑汇票,被中国银行保险监督管理委员会大连监管局罚款人民币50万元。

  3月11日,哈尔滨银行大连分行因银行承兑汇票贸易背景真实性审核不严格,导致形成大额信用风险,被中国银行保险监督管理委员会大连监管局罚款人民币50万元。

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