三d基本走势图30期

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                        • 时代热评 | 七项违规遭罚215万元,富民银行风控存疑

                          孙一鸣
                          2019-03-20 17:50:03

                          时代商学院研究员 孙一鸣

                          【事件概述】

                          三d基本走势图30期3YUE17RI,YANGXINGZHONGQINGYINGYEGUANLIBUGONGSHILEDUIZHONGQINGFUMINYINXINGGUFENYOUXIANGONGSI(YIXIAJIANCHENG“FUMINYINXING”)DEXINGZHENGCHUFA(YUYINCHUFAGONGSHI〔2020〕5HAO)。

                          GENJUCHUFAGONGSHI,FUMINYINXINGYIN7XIANGWEIGUIBEIYANGXINGJIYUJINGGAO,BINGCHUFAKUAN184.5WANYUAN,MEISHOUWEIFASUODE30.35WANYUAN,HEJIJIN215WANYUAN。CIWAI,FUMINYINXING4MINGXIANGGUANZERENRENHEJIBEIFAKUAN13.5WANYUAN,QIZHONGLIANGRENHAISHOUDAOJINGGAO。 

                          三d基本走势图30期ZHEISHIGUONEIMINYINGYINXINGFAZHANZHIJINDEDIERDAFADAN,YISHIFUMINYINXINGZIXINXINGZHANGCHULONGCHUNSHANGRENBUZUBANYUESUOLINGDESHOUZHANGFADAN。 

                          3YUE11RI,SHIDAISHANGXUEYUANCENGFABUBAOGAO《SHIDAIREPING|FUMINYINXINGSINIANSANHUANSHUAI,CHULONGCHUNZAOYU“LAODANAN”》,FENXIFUMINYINXINGKAIYEYILAI,XINGZHANGBIANDONGPINFAN,DUOXIANGJINGYINGZHIBIAODAFULUOHOUTONGXINGDENGWENTI。

                          三d基本走势图30期CIWAI,SHIDAISHANGXUEYUANJUTIANYANCHALEJIEDAO,2018NIAN9YUEZHIJIN,FUMINYINXINGSHEJIDEFALVSUSONGYIDA316XIANG,DUOWEIZHAIQUANZHUANRANGHETONGJIUFENHEJINRONGJIEKUANHETONGJIUFENDENG。 

                          3YUE19RI,SHIDAISHANGXUEYUANJIUWEIGUISHOUFAJISIFAFENGXIANDENGWENTIXIANGFUMINYINXINGFAHANXUNWEN,JIEZHIBENBAOGAOFABU,RENGWEIHUOSHUMIANHUIFU。

                          【分析解读】

                          一、七项违规被罚215万元

                          GENJUCHUFAGONGSHI,FUMINYINXINGCUNZAIDUODA7XIANGWEIFAXINGWEI,JUTIBAOKUO:XUBAO、MANBAOJINRONGTONGJIZILIAO;CHAOGUOQIXIANHUOWEIXIANGZHONGGUORENMINYINXINGBAOSONGZHANGHUKAILI、BIANGENG、CHEXIAODENGZILIAO;WEIANGUIDINGJINXINGTIAOMAZHIFUYEWUGUANLI;WEIANZHAO《ZHENGXINYEGUANLITIAOLI》DEGUIDINGCHULIYIYI;WEIANGUIDINGLVXINGKEHUSHENFENSHIBIEYIWU;WEIANGUIDINGBAOSONGKEYIJIAOYIBAOGAO;QINHAIXIAOFEIZHEGERENXINXIYIFADEDAOBAOHUDEQUANLI。

                          SHIDAISHANGXUEYUANLEJIEDAO,FUMINYINXINGSHANGSHU7XIANGWEIGUIWEIFAXINGWEISHEJI《JINRONGTONGJIGUANLIGUIDING》《RENMINYINXINGJIESUANZHANGHUGUANLIBANFA》《ZHONGHUARENMINGONGHEGUOFANXIQIANFA》《TIAOMAZHIFUYEWUGUIFAN(SHIXING)》《ZHENGXINYEGUANLITIAOLI》《XIAOFEIZHEQUANYIBAOHUFA》DENGFALVFAGUI。


                          YOUYUBUFENWEIFAXINGWEIQINGJIEYANZHONG,FUMINYINXINGHAIBEIJIYUJINGGAO,7XIANGWEIFAXINGWEICHUFA184.5WANYUAN,TONGSHIMEISHOUWEIFASUODE30.35WANYUAN,HEJIJIN215WANYUAN。 

                          三d基本走势图30期CIWAI,4MINGXIANGGUANZERENRENFENBIEBEICHUFA5WANYUAN、5WANYUAN、2.5WANYUAN、1WANYUAN,2RENBINGBEIJINGGAO。

                          时代商学院了解到,民营银行在地域上不被允许异地经营,受“一行一店”的限制,这使得其负债来源以同业资金为主,存款较少。为打破规模增长瓶颈,个别民营银行打监管“擦边球”,违规开展业务。富民银行此次被罚金额巨大,违法行为项目众多,或与其内部控制制度存重大缺失有关。富民银行自2016年8月开业至今,不足4年已三次换帅,其间行长一职一度空缺10个月,高层人员动荡,银行内部治理制度或不够完善,相关管理规章不易得到有效执行。 

                          三d基本走势图30期SHIDAISHANGXUEYUANRENWEI,MINYINGYINXINGDESHELICHUZHONGSHIWEILEGUANCHEPUHUIJINRONGFAZHANLINIAN,XIWANGMINYINGYINXINGYUXIANYOUSHANGYEYINXINGJINXINGCHAYIHUAJINGZHENG,WEISHITIJINGJITEBIESHIZHONGXIAOWEIQIYE、“SANNONG”HESHEQU,YIJIDAZHONGCHUANGYE、WANZHONGCHUANGXINTIGONGGENGYOUZHENDUIXING、GENGJIABIANLIDEJINRONGFUWU。DANRUGUOBUFENMINYINGYINXINGWEILELIYIZUIDAHUA,BUXIWEIFANXIANGGUANFALVFAGUI,YIXUBAO、MANBAOJINRONGTONGJIZILIAO、WEIANGUIDINGBAOSONGKEYIJIAOYIBAOGAO、QINFANXIAOFEIZHEQUANYIDENGXINGWEIDAJIANGUANCABIANQIU,JIUYOUWEIQIFAZHANCHUXIN。

                          二、关联交易及风控存疑

                          三d基本走势图30期MINYINGYINXINGZUOWEIWOGUOSHANGYEYINXINGXITONGDEZHONGYAOBUCHONG,JINRONGFENGXIANTONGYANGBUKEHUSHI。 

                          2017NIANMO、2018NIANMO、2019NIANSANJIDUMO,FUMINYINXINGDEBULIANGDAIKUANLVFENBIEWEI0、0.01%、0.25%,CHENGCHIXUSHANGSHENGQUSHI。YIBANERYAN,SHANGYEYINXINGBULIANGDAIKUANDEFENGXIANBAOLUXUYAOYIGEZHOUQI(3—4NIAN),FUMINYINXINGKAIYEZHIJIN3NIANDUO,QICUNLIANGDAIKUANZICHANDEBULIANGFENGXIANZHENGZHUBUBAOLU。 

                          TIANYANCHAXIANSHI,2018NIAN9YUEZHIJINBUDAO2NIAN,SHEJIFUMINYINXINGDEFALVSUSONGSHULIANGGAODA316XIANG,ANYOUDUOWEIZHAIQUANZHUANRANGHETONGJIUFENHEJINRONGJIEKUANHETONGJIUFEN。QIZHONG,JINJINNIANQIAN3GEYUE,SHEJIFUMINYINXINGDEFALVSUSONGSHULIANGYIYOU39XIANG,ZHANQIFALVSUSONGZONGSHULIANGDE1/10ZUOYOU。


                          时代商学院研究发现,在富民银行涉案的316项法律诉讼中,债权转让合同纠纷数量最多。仅今年前3个月的39项法律诉讼中,案由为债权转让合同纠纷就有35项,占比高达89.74%。在该类法律诉讼中,深圳中微普惠资产管理有限公司(以下简称“中微普惠”)多次以原告身份出现,富民银行以第三方身份向其转让借款合同债权,由中微普惠负责催收违约贷款。


                          天眼查显示,中微普惠为港股上市公司瀚华金控(03903.HK)全资子公司。公开资料称,瀚华金控主要从事融资担保、小额信贷、金融保理等业务,而中微普惠的经营范围包括受托资产管理、投资管理(不得从事信托、金融资产管理、证券资产管理及其他限制项目)等。

                          三d基本走势图30期XUYAOZHUYIDESHI,HANHUAJINKONGTONGSHISHIFUMINYINXINGDEDIYIDAGUDONG,CHIYOUFUMINYINXING30%DEGUFEN。HUANYANZHI,FUMINYINXINGBAZISHENDEZHAIQUANHETONGTONGGUOZHUANRANGFANGSHIBAWEIYUEFENGXIANZHUANYIJIQIZHONGYAOGUANLIANFANG(DAGUDONGQIXIAQUANZIZIGONGSI),GOUCHENGZHONGYAOGUANLIANJIAOYIGUANXI。 

                          GUANLIANJIAOYIWANGWANGSHEJILIYISHUSONGWENTI,YIZHISHIJINRONGJIANGUANBUMENGUANZHUDEJIAODIAN。ZUOWEIDISANFANGJINRONGFUWUJIGOU,ZHONGWEIPUHUISHIZHISHANGYUFUMINYINXINGCUNZHONGDAGUANLIANJIAOYIGUANXI。FUMINYINXINGYUZHONGWEIPUHUIJIAOYIDEZICHANGUIMOHEBIZHONGRUHE,FENGXIANSHIFOUKEKONG,JIAOYISHIFOUHEGUI?WAIJIEZANWUFAQUANMIANHUOZHI。TANGRUODAGUDONGHANHUAJINKONGYINHONGGUANJINGJIXIAXING、JINGYINGBUSHAN、JINRONGFAGUICHUTAIDENGYINSUCHUXIANZHONGDAJINGYINGKUNJINGSHI,FUMINYINXINGYUZHONGWEIPUHUIDEGUANLIANJIAOYISHIBIDUIFUMINYINXINGDEJINGYINGZAOCHENGBULIYINGXIANG。 

                          三d基本走势图30期【YANZHENGSHENGMING】BENWEN(BAOGAO)JIYUYIGONGKAIDEZILIAOXINXIZHUANXIE,WENZHONGDEXINXIHUOSUOBIAOSHUDEYIJIANJUNBUGOUCHENGDUIRENHERENDETOUZIJIANYI。WENZHANGBANQUANGUIYUANZUOZHEJIYUANCHUCHUSUOYOU,WEIJINGSHIDAISHANGXUEYUANSHOUQUAN,RENHEMEITI、WANGZHANJIWEIXINGONGZHONGPINGTAIBUDEYINYONG、FUZHI、ZHUANZAI、ZHAIBIANHUOYIQITARENHEFANGSHISHIYONGSHANGSHUNEIRONG。HUODESHOUQUANZHUANZAI,RENGXUZHUMINGCHUCHU。(LIANXIYOUXIANG:)


                          三d基本走势图30期BENWANGZHANSHANGDENEIRONG(BAOKUODANBUXIANYUWENZI、TUPIANJIYINSHIPIN),CHUZHUANZAIWAI,JUNWEISHIDAIZAIXIANBANQUANSUOYOU,WEIJINGSHUMIANXIEYISHOUQUAN,JINZHIZHUANZAI、LIANJIE、ZHUANTIEHUOYIQITA FANGSHISHIYONG。WEIFANSHANGSHUSHENGMINGZHE,BENWANGJIANGZHUIJIUQIXIANGGUANFALVZEREN。RUQITAMEITI、WANGZHANHUOGERENZHUANZAISHIYONG,QINGLIANXIBENWANGZHANDINGXIANSHENG:chiding@joanlow.com

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