商业银行违规套费问题的甄别与治理  

Discrimination and Governance of Illegal Arbitrage Fees in Commercial Banks

作　　者：吴飞虹[1] WU Fei-hong(Zhenjiang Branch,Bank of China,Zhenjiang 212000)

机构地区：[1]中国银行股份有限公司镇江分行

出　　处：《财务与金融》2021年第2期7-12,共6页Accounting and Finance

摘　　要：十八大以来,银行业深入贯彻落实中央巡视精神要求,坚持从严治行、合规经营,强化财务和审计监督,持续加强费用管理,违规套取费用问题总体呈现下降趋势。但从近年来内外部检查情况看,套取费用问题仍然屡禁不止、时有发生。为了全面堵塞风险漏洞,净化经营环境,本文在分析商业银行违规套费问题根源、危害及表现形式的基础上,通过总结实际工作中检查虚列费用问题所采用的“望闻问切”甄别方法,进一步提出防范和治理财务风险的三剂药方,以期为同行提供参考。Since the 18th National Congress of the Communist Party of China,commercial banks have thoroughly implemented the requirements of the central inspection spirit,adhered to strict management and compliance operation,strengthened financial and audit supervision,continuously strengthened cost management,and the problem of illegal collection of fees has generally shown a downward trend.However,judging from the internal and external inspection in recent years,the problem of arbitrage fees still occurs frequently.In order to plug the risk loopholes and purify the business environment,this paper aims to analyze the root cause,harm and manifestation of the illegal arbitrage of commercial banks.Based on the summary of the screening method of"seeing,hearing and asking"used in the actual work,this paper further puts forward three prescriptions to prevent the financial compliance risk,in order to provide reference for commercial banks.

关 键 词：套取费用 商业银行 甄别方法 

分 类 号：F830[经济管理—金融学]