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      關于學習最新監管政策及案防實務的心得體會--浦發銀行 參訓學員

      關于學習最新監管政策及案防實務的心得體會

      --浦發銀行 參訓學員

       

      通過學習最新監管處罰典型案例解析與案防實務課程,結合本行實際案例,使我對監管政策及現階段案件防控有了新的認識和深刻體會。總結起來有以下幾點:


       一、深刻認識風險產生的原因和降風險的緊迫性


      分析區域內企業發生經營問題、財務危機和擔保鏈、擔保圈風險蔓延傳遞引發信貸風險的原因,主要有以下幾方面:


      一是信用缺失。有的企業充分利用銀行爭攬存款的心理,不計財務成本進行融資;有的企業明知自身企業虧損,依然舉債經營,形成以債養債,在銀行融資不斷增加的情況下,基本能夠維持企業現金流,只要銀行停止增加資金,企業便出現問題;有的企業利用銀行資金做企業,就像風險投資,虧了是銀行的,盈利是自己的,較少的實收資本和企業歷年留存收益成為美化報表的指標,對應的資產已經形同虛設。


      二是法律處罰力度不夠。企業經主要經營者騰挪轉移后,銀行訴訟保全資產收效甚微,甚至出現贏了官司,贏不了錢的局面,不良客戶、不法分子逃費銀行債成本較低,在法律面前,銀行成為弱者,不講信用者賺到便宜,廣大儲戶的資金權益得不到保護。


      三是銀行風險識別能力不強,過度競爭和超額授信。每年銀行指標的安排和銀行業績的不斷追求,形成銀行對部分企業競爭過度,通過資產業務及表外授信,快速拉動存款增長的沖動,致使對單個企業客戶融資需求,風險識別不到位,未能根據企業實際經營情況和銷售規模與經營周轉合理核定貸款額度。


      四是過分追究擔保人的責任。在借款人出現違約,尚未得到應有懲罰的同時,簡單依賴擔保人代為歸還銀行融資,或轉貸給擔保人,往往出現借款人賴帳不還,銀行訴諸法律也沒有辦法,擔保人成為承接債務的目標,企業經營正常,個人信用良好,在能力范圍內的尚可接受,承接額度較大,擔保人經營也面臨困難,容易造成擔保人效仿,形成劣幣驅良幣的不正常局面,出現多米諾諾骨牌效應。


      五是過度民間借貸造成企業融資成本大幅度提高。由于銀行融資手續較為繁瑣,在企業資金需求較急的情況下,便轉向了手續快捷的民間借貸,適度的民間借貸有助于解決企業短期內的快速資金需求,但由于民間借貸融資成本偏高,過度借貸會增加企業負擔,造成不良反應。


      二、結合工作實際,采取有效防控措施


      (一)上下結合,考核引導,有效防范


      一方面是堅持多措并舉,把風險合規管理作為各項工作的重中之重,由行長全面統管,分管行長分片掛包,齊心協力,齊抓共管,多次召開風險工作專題會議,研究布置風險防控、不良化解和合規案防工作。制定了嚴格的獎懲措施,把“一逾兩呆控制”指標納入目標管理考核,賦予較高權重,形成了清晰的戰略導向。


      (二)給當地政府、監管部門提出可行的建議


      1、摸清企業家底,是采取不同處置方式的前提。由市政府在經信局、發改委、行管辦、金融辦、會計師事務所、律師事務所、審計局、稅務、人行、銀監局、商業銀行等部門,聘任行業內專業人員,成立專家團隊,按照政府的要求,隨時抽調人員組成調查小組,對出現問題的企業進行集中會診,在行業、市場、產品工藝、成本控制、資金運用、盈利虧損等方面,出具客觀公正的經營報告,通報債權人聯席會,由政府、人行、銀監局、參會銀行依據真實的經營報告進行決策,實施分類管理,決定哪些應該救助、哪些不應該救助,如何救助,救助多少。


      2、組建產業基金或國資企業進行重組并購。由各級政府組成相應產業基金,或利用國資企業對問題企業進行重組回購,也是基于對企業摸清家底的前提下,對于銀行負債過高的企業進行重組,依法按比例承接部分銀行融資,減輕企業包袱,繼續聘用懂經營和技術的人員進行運營,隨著企業留存受益的增加,對基金或國資企業持有股權逐步進行回購。此種方式一是保住市里的實體企業,穩定職工隊伍,穩定稅源;二是待經濟上行期,產能釋放后,視情況可比例承接銀行原有債務;三是防止外地及有實力上市公司以此廉價收購企業,將來當政府缺少話語權。


      3、協調國內同行業或上下游進行租賃經營。銀行間共同救助或企業重組等方式往往需要較長的時間才能完成,而有的企業一出問題,短時間就會出現管理松散、設備閑置、拖欠貨款、職工工資、本息、面臨訴訟查封等現象,伴隨失去是市場份額、核心技術人員、熟練的操作工人,待到各種措施到位啟動,等于企業從頭再來,救助難度較大。政府應出臺租賃經營優惠政策,組織同行業專家查驗企業設備能否正常生產,邀請國內同行業或產業鏈條上的上下游企業對設備進行租賃經營,先期滿足職工工資,銀行利息等剛性支出,依此可對融資業務進行借新還舊,維持原有擔保狀態不變,為采取其他組合方式徹底解決企業問題,爭取更多的時間和空間。


      4、成立政策性擔保公司,切斷擔保鏈。從我行發生風險的企業情況看,擔保鏈傳導風險是一個重要原因。目前各銀行受信貸政策的限制,信用類融資方式審批較為嚴格,加之受市場大環境影響,企業擔保鏈和擔保圈正日益擴大化和復雜化,企業除自身資產抵押外,為了符合銀行要求順利地融資,不得不尋找擔保單位,也不可避免地承擔了為其擔保的責任,擴大了或有負債的風險。因此,要多發揮政策性擔保公司的擔保作用,既能滿足銀行的信貸政策,也能切斷擔保鏈傳導風險。


      5、保證合同約定中,采用一般保證,不再采用連帶責任保證。一般保證的保證人在主合同糾紛未經審判或仲裁,并就債務人財產依法強制執行仍不能履行債務前,對債權人可以拒絕承擔保證責任。依據一般保證,可先行處理借款人資產,處置后才能追究擔保人責任,減少借款人尚未處置,擔保人因簡單背債出現困難的連鎖反應,依靠法律手段緩解擔保鏈。


       
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