Recently, chinese silver keeps watch meeting print and distribute " commercial bank equity is mandatory method " (the following abbreviation " mandatory method " ) , diaphaneity of information of equity of promotion commercial bank, happen in the bank equity such as the bank that include business, constant abundant bank to be resembled in disorder henceforth nowhere escape form.
The company administers the core that is contemporary company system, to managing the banking of monetary credit character is attached most importance to especially should. 2013 " processing of commercial bank company is how-to " since releasing, the course tries hard for years, processing of firm of our country banking obtained positive result, but also put in a few inadequacy. Run a side in partner and equity especially, still put in equity structure to remain to optimize, partner manages the problem such as insufficient standard.
Investigate its reason, it is possessory vacancy problem long-standing, in-house person control and problem of large stockholder offside are at the same time; 2 it is aptitude of partial bank shareholder does not accord with a regulation, existence equity generation is held wait for a problem, bank shareholder change was not approved by formulary newspaper; 3 it is partner contributive truthless, partner to the bank contributive existence is false and contributive, financing source is unidentified, will be not own reserves to regard as become a shareholder capital, use bank financing to do the loop inside body even.
2018, silver-colored inspect branch will " company processing is diseased " as the first point that deepens banking chaos to work like punish. The foundation that the company administers is partner and equity management. January 2018 portion, former silver-colored inspect can be announced " commercial bank equity runs temporary measure " (the following abbreviation " equity method " ) , subsequently partner of standard of print and distribute reports the file of two form a complete set such as item, from partner quality management, equity changes the respect such as exposure of management, associated buying operation, information to put forward to make clear a requirement, make rigid standard. This " equity method " emphasize penetrating type manages, if large stockholder is penetrable, should penetrate effective control person and actual beneficiary beneficiary; If become a shareholder,capital penetrates, must be own reserves. In addition, still emphasize the right limitation of shareholder equity impawn, and the administrative responsibility related bank equity general affairs. In the meantime, " equity method " put forward a commercial bank clearly to should build equity to hold control in the palm to spend.
Should say, " equity method " emphasize strengthen partner aptitude management, aggrandizement fountainhead risk is controlled, it is the first pace of normative partner and equity management. Announced recently " mandatory method " it is right " equity method " be fulfilled further and refine, daily behavior manages aggrandizement, it is the 2nd pace of normative partner and equity management.
To appearing on the market, be in new 3 board the commercial bank that hang out one's shingle, " negotiable securities law " wait for relevant law laws and regulations mandatory to its equity put forward to make clear a requirement, its equity is mandatory execute according to existing law laws and regulations. Accordingly, " mandatory method " compasses the key dispute that make appears on the market commercial bank equity is mandatory, did not appear on the market namely bank according to commercialize principle general equity mandatory register settle accounts orgnaization to negotiable securities, accord with a requirement orgnaization of operation of regional equity market or other equity are mandatory orgnaization. Before this, partial commercial bank carried out equity mandatory, but mandatory lack unites a standard, level of condition of mandatory orgnaization hardware, service is uneven, partial existence equity " the form is mandatory " phenomenon. " mandatory method " and of form a complete set " mandatory method carries out equity of good about doing commercial bank the announcement of relevant job " mix in way of unified and mandatory work again requirement, make clear mandatory orgnaization admittance and duty, govern stimulative equity more independent, effective. " mandatory method " mandatory to commercial bank equity still counterpoise truly with equity the job transfers clearly period arrangement.
Had implemented two measure, will improve diaphaneity of bank equity information and equity level of management, promotion firm governs a level, partner of keep within limits brings to bear on to the bank undeserved control and seek are undeserved interest. Of course, equity is mandatory it is the bank equity is registered not only, the bag outside the job such as change, report, inquiry. If mandatory just begin equity simply to register transmit the job with information, is not to rise to independence manages and control function, the meaning of mandatory job sells at a discount greatly. Next, answer to make clear mandatory legal responsibility further, strengthen the ability construction of mandatory orgnaization.
(this column topic offers big data to analyse support by today's top headlines; Author Dong Ximiao, university of department China people weighs assistant dean of academy of in relief finance. )
