2022年在20XX年银行业案件防控工作会议上的讲话 .pdf

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1、在 20XX年银行业案件防控工作会议上的讲话在 20XX 年 x 银行业案件防控工作会议上的讲话同志们：今天会议的主要内容是对20XX 年全省银行业机构案件防控工作进行总结讲评，解读全国、全省经济金融改革对案防工作的影响，结合全国、全省银行业机构案件防控形势，剖析当前xx 银行业机构案防工作中的突出问题，并安排部署 20XX 年的案防工作。下面，我代表局党委讲三点意见。一、案防工作回顾20XX 年，xx 省银监局紧紧围绕“加强内部管控、加强外部监管，遏制违规经营、遏制违法犯罪”，切实防范案件、确保行业安全的主线，保持案防定力，从监管部门到行业自律机制，再到各银行业机构，至上而下，整体联动、立体

2、攻防，坚持“三性”、“三铁”、“三查”、“三分离”等基本理念和内控制度，充分发挥已建立的案防长效机制，对不断翻新的案件风险加强预判，加强科技手段运用，防患于未然。加强源头治理，打造扎实有效的关键环节管控手段，跟踪热点、解决难点、抓好重点，做好案防工作的过程管控和细节督导，在极其严峻的形势下，守住了不发生系统性区域性金融风险的底线。保证了xx 银行业稳健持续经营，保证了一方平安。（一）跟踪热点问题。1.针对 20XX 年央视“3.15”晚会曝光了记者用网购的他人身份证到北京四家国有银行申办借记卡，办卡成功率高达 75%的问题现象，我局做了三件事：一是3 月 17 日，下发了关于加强个人客户身份识

3、别的通知，要求银行业机构执行。二是拟写了“央视曝光、银行喊冤”的文章，客观公正地分析评价了银行在此类现象中的角色定位和社会义务，表达无奈和委屈，上报了银监会。三是协助新华社记者拟写了“灰色银行卡助长多种形式犯罪，宜加强管理切断源头风险”的专题文章，反映了借记卡在多项犯罪过程中的作用，揭示了账户管理制度、存款实名制、身份证联网核查以及居民身份证管理存在的问题，导致银行在借记卡准入环节无法把关的诸多难点问题，新华社内参于20XX 年 9 月3 日采用。2.针对央视曝光*联合银行42 户储户存款丢失以及网络曝光*老窖存款丢失的问题，我局认真分析，揭示案件过程、手段、特点，提出监管要求，防范同质同类案

4、件在省内银行业机构发生。同时，还安排了银行业机构对存款风险进行排查。对央视“新闻1+1”栏目报道的工行和农行*各 1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y

5、2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9

6、Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S

7、9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10

8、S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J1

9、0S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J

10、10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3

11、J10S9Y2B6 ZE4I10N6I5U1个支行数 10 名储户 1.2 亿元存款失踪案进行了分析，并组织两个调查组针对本案涉及的薄弱环节对省内银行开展调查。3.针对全国及我省范围内不时发现有银行离职、被辞退或被开除人员利用熟识银行现职人员、了解银行业务操作流程的优势，频繁出入银行营业场所从事非法集资、诈骗客户资金、冒充银行现职人员实施诈骗等问题，发出关于防范银行原工作人员利用原身份从事非法金融活动的通知，向银行提出加强离职人员管理、建立台账并通知到客户等监管要求。（二）解决难点问题1.给予储户柜面交易过程的知情权和监督权，改变储户柜面交易的弱势地位，控制储户存款“丢失”案件。控制储蓄类案件

12、一直是困扰银行的难点问题。为控制银行工作人员单独或伙同外部人员以柜员误导储户重复输入密码等5 种手段盗转储户资金的案件，我局于20XX 年底建议辖内银行业机构推广使用“透明式交易密码键盘”，在后台建立储户监督功能模块，前台柜面安装带显示屏的密码键盘，还储户柜面交易过程的知情权和监督权。使用了“透明式交易密码键盘”后，银行柜员与储户的一切柜面交易都在储户的掌控之中，让柜员不想、不敢也不能针对储户资金作案。截至 20XX年底，已有31 家机构上线使用“透明式交易密码键盘”；文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA

13、3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 H

14、A3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

15、HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

16、 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R

17、4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9

18、R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D

19、9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1有 9 家机构已在部分网点试运行，预计20XX 年上半年可全线推行。2.行政公章网络化管理，控制滥用印章酿成的案件。针对辖内个别银行行政印章管理失控引发银行特大案件情况，我们在充分调查的基础上，下发

20、关于银行业金融机构推广“印章管理系统”的通知，建议银行充分运用现代科技手段改变现有人工管理印章的弊端。截至20XX 年底，已有5家机构实现了行政公章网络化管理；有20 家机构推广进度明显，已与供应商接洽或正在测试即将投入使用等。（三）抓好重点问题1.强化票据业务监管，维护“xx 银行业贸易背景查询与监管”的正常运行。一是有序推进“xx 银行业贸易背景查询与监管系统”在银行业金融机构的应用。20XX年，系统共累计录入银行承兑汇票业务532576笔，金额 10245.055 亿元；信用证业务 1341 笔，金额 340.30 亿元；贴现业务135650 笔，金额 3486.16 亿元；保理业务25

21、23 笔，金额351.134 亿元；银行承兑汇票质押业务7317 笔，金额133.77 亿元；国内信用证代付业务43 笔，金额 9.58 亿元。对超期未录入增值税发票风险预警提示337 笔，涉及金额3.39 亿元；自开自贴业务预警2070 条。彻底解决了一笔增值税发票作为交易凭证在多家银行重复办理承兑和贴现的问题，一定程度上解决了伪造、变造增值税发票在银行承兑和贴现的问题。二是文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10

22、S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J1

23、0S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J

24、10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3

25、J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA

26、3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 H

27、A3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

28、HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1对辖内银行业机构系统运行情况进行了专项督导，并对督导发现的部分行存在系统录入数据与实际业务数据不一致、系统数据未录入或录入不及时及数据录入差错较多等问题进行全辖通报。三是持续加强系统录入有关工作的咨询指导和服务，对咨询事务实行首问责任制，对所有银行业机构的相关咨询都做好了解答释疑，共计接受银

29、行业机构对票据业务以及增值税发票录入差错的处理4976 笔。2.做好从业人员处罚信息的管理和运用，防止从业人员带病流动、带病提拔。一是印发xx 省银行业金融机构从业人员处罚信息管理办法实施细则，全面规范辖内机构对从业人员处罚信息的报送、使用和管理工作。二是建立从业人员处罚信息台账，接受各机构对拟录用人员处罚信息和机构监管处对银行拟任高管人员的查询工作，防止从业人员在银行间“带病流动”和带病提拔高级管理人员。20XX年，共接受各银行业机构查询拟录用的1652 人信息，反馈处罚信息 11 条；接受机构监管处对拟任高管处罚信息查询276 人，反馈处罚信息3 条。三是加强对辖内银行从业人员处罚信息管理

30、工作的督导，20XX年对辖内从业人员处罚情况进行了三次通报。3.针对政府职能部门工作人员伪造房产证、土地使用证及他项权证诈骗银行抵押贷款的问题，在进行充分调查研究的基础上，发出了关于加强案件风险隐患防范的通知，文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J1

31、0S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J

32、10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3

33、J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA

34、3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 H

35、A3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

36、HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

37、 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1要求银行受理权证抵押授信业务时，督促客户提供近三年内取得土地使用证的出让金缴款凭证、购买房产时的缴税凭证。同时，召集部分银行业机构研究具体操作措施并达成共识，发出了关于强化银行业机构抵御虚假权证抵押登记风险有关措施的通知,要求银行在办理权证抵押登记手续时必须做到：一是坚持后台人员+客户经理双人办理，以后台人员为主。二是必须到办证大厅窗口递件和取件，不允许在办证大厅窗口以外的任何地点通过“熟人”关系办理。三是在实物核查时，要严防出现“一物二主”、“指鹿为马”的

38、现象。四是严禁将贷前调查环节延后至抵押登记办理环节一并进行。此外，我局还针对个别银行为中介机构倒买盗卖票据提供支持的严重违规问题，安排并督促全省银行业机构对同业账户进行了排查，体现了监管张力。（四）积极调查研究1.对*城区38 家在售理财产品的银行业网点及其管理机构开展专项调查。从代客理财资金归集账户入手，调查控制银行人员私售理财产品的可行性措施。发现银行人员销售“理财飞单”具有客户主动发起资金交易和在客户的理财账户无法查询到“理财飞单”业务品种的特点，督促银行采取应对措施。文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4

39、 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R

40、4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9

41、R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D

42、9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6

43、D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B

44、6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6

45、B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U12.开展个人网银和手机银行开户及管理专项调查。对辖内银行机构个人网银、手机银行的开立、密码设置、使用范围、u 盾发行、限额管理及授权管理流程进行调查，了解其控制措施。对存在上述问题的24 家机

46、构进行了通报，并督促其整改。3.开展第三方支付公司给银行带来声誉风险的调研。对第三方支付平台准入及经营模式、不法分子利用第三方支付平台盗窃客户资金等情况开展调研，并形成调研报告。（五）持续通报案情，发出风险预警#通过网络和平面媒体等多渠道收集到省内外发生的典型金融案件和案例。全年共编辑印发案情通报15 期，通报了基本情况、分析案件特点、提出监管要求，及时对诸如柜台合规操作风险、资金诈骗风险、保理业务风险、银行卡诈骗、银行员工代销私募基金等方面的案防工作薄弱环节发布警示并提出相应监管要求和防范措施120 条。绝大部分银行机构十分重视对案情通报的运用，每期都组织专题学习，对照检查分析，举一反三、触

47、类旁通，提高了案防能力。20XX年，我们还收集整理各分局、辖内各银行在案防方面好的经验和做法，编发案防工作通报26 期；在 xx 银行业协会xx 银行业 刊物上对案防形势和监管要求通报和宣传，指导各分局、机构加强案件防控工作。文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9

48、R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D

49、9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6

50、D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B6D9R4 HA3J10S9Y2B6 ZE4I10N6I5U1文档编码:CG10C6B