The picture shows the staff of the task force of the Supervision Committee of the Anhui Provincial Commission for Discipline Inspection discussing and improving the review and investigation report before a case in the provincial rural commercial bank system was transferred for trial. Xu

Recently, the People's Court of Yi 'an District, Tongling City, Anhui Province held a remote hearing to hear the case of Zhang, the former party secretary and chairman of Bengbu Rural Commercial Bank, who was suspected of accepting bribes, embezzling and illegally issuing loans by non-state staff. At present, the executives of Anhui Rural Commercial Bank System 1 1 have been transferred to the procuratorate, and two other executives are under investigation.

Different from other commercial banks, rural commercial banks are located in "agriculture, countryside and farmers" and are the main providers of financial services in rural areas, providing inclusive finance services for farmers and agriculture-related enterprises to solve the plight of insufficient funds for these subjects.

Anhui Rural Commercial Bank takes "supporting agriculture, helping small businesses and serving local economy" as its purpose, and its main business indicators such as deposit and loan scale 10 rank first in the banking industry in the province for many years in a row. Then, why are corruption cases in rural commercial banks frequent in recent years? What is the problem behind it?

The amount involved is huge, the means of committing crimes are hidden and complicated, and the characteristics of "holding a group of corruption" are outstanding.

On April 2 last year, the Supervision Committee of the Anhui Provincial Commission for Discipline Inspection released a message that Chen Peng, former Party Secretary and Chairman of the Provincial Rural Credit Cooperatives Association (hereinafter referred to as the Provincial Credit Cooperatives Association), was investigated. After more than half a year, Bin Sun, former party member and deputy director of the Provincial Association, Wang Xia, former party member and deputy director of Fuyang Audit Center, and senior executives of rural commercial banks in Bengbu, Fengtai and Anqing were investigated.

On February 2 1 of the same year, Chen Peng's case of suspected bribery was heard. He was accused of accepting more than 78 million yuan of property directly or in collusion with others, including more than 60 million yuan from the general manager of an insurance company, which became the highest case of suspected bribery of provincial cadres investigated and dealt with in this province in recent years.

"A major feature of these cases is that the amount involved is extremely huge." Qian Shuo, a case-handling officer of the Supervisory Committee of the Provincial Commission for Discipline Inspection, told the reporter that according to the identified situation, 7 of the 13 executives investigated were suspected of corruption amounting to more than150,000 yuan, and other investigated executives also reached several million yuan.

"When we took lien measures against Bin Sun, we learned that he had just' played' in the casino for more than 50 hours that morning." According to Qian Shuo, the survey found that Bin Sun likes gambling, often winning or losing hundreds of thousands, and playing golf, and his footprints are all over the country.

The professionalism and complexity of the financial field provide a psychological security barrier for some corrupt elements to abuse power for personal gain. Qian Shuo introduced that in the corruption case of the provincial rural commercial bank system, some of the investigated subjects conspired to commit crimes together, turning the business chain into a "corruption chain" and all the benefits of "group corruption" were shared. The means of committing crimes are hidden and complicated, carefully planned in advance, with strong anti-investigation ability and the characteristics of high IQ crime.

The investigation found that from 20 15 to 20 17, Wang Xia, then the chairman of Fuyang Yingdong Rural Commercial Bank, together with several subordinates, borrowed 65438+ billion yuan from Yingdong Bank for three times during the capital increase and share expansion of Yingdong Bank, and then switched to buy the equity of Yingdong Bank. Only one of them is suspected of illegally making tens of millions of yuan.

The party's leadership is weakened, the party's construction is lacking, and the party's comprehensive and strict management is not in place.

With the in-depth investigation of the case, problems such as the failure to implement the responsibility system for party building in the provincial rural commercial bank system, the ineffective management of the party in an all-round way, the imperfect system and mechanism, and the ineffective supervision have also been exposed.

In some units, the competent leaders and managers are not responsible for due diligence, correlation review and risk assessment, and even hint to others that "this was introduced by the chairman", so that there are violations in many key links of the same business.

"The provincial rural commercial bank system generally fails to grasp the party building. Some executives unilaterally emphasize economic attributes and ignore political attributes. They believe that rural commercial banks are controlled by private capital, and shareholders have the final say, even excluding party leadership on the grounds of company law. " ShengJiWei investigators Xu Guanghua analysis.

It is understood that the vast majority of rural commercial banks in Anhui Province are controlled by private capital. Some private capital shares out of the motive of "demanding money and power", seeking high dividends and huge loans, and even holding shares invisibly or forming concerted actions to seek control. A few rural commercial bank executives also collude with major shareholders inside and outside, causing potential risks.

During Su's tenure as the president of Tongcheng Rural Commercial Bank, a major shareholder supported Su's high salary and honesty, blindly expanding, while Su opened the door for him to obtain large credit funds.

According to reports, in the supervision of rural commercial banks, problems such as lack of supervision and inadequate pressure transmission are more prominent. Although the banking supervision department has the right to supervise, it is not the competent department. City and county party committees and governments have no specific management functions, and the proportion of state-owned capital in the equity of rural commercial banks is obviously low. Some rural commercial banks do not even have state-owned capital. Although the provincial association exercises the duties of industry management, its management means are limited. All rural commercial banks are independent legal persons and have the power of the head office. Large loans and large investments do not need to be reported to the Provincial Association for approval, or even reported.

"I can't see, I can't see, I can't see, I can't control it." Li Minghe, deputy head of the Discipline Inspection and Supervision Team of the Provincial Association, believes that the flat management of 83 rural commercial banks by the Provincial Association has been too long, which has also caused problems such as poor supervision and inadequate pressure transmission to some extent.

Check the focus to promote rectification, strengthen system supervision and internal governance.

After investigating Chen Peng and other corruption cases, the Party Committee of the Provincial Association launched two special activities in time, namely "the year of integrated development of Party building" and "the year of strengthening the foundation for rectification and discipline", focusing on solving the problems of "two skins" in party building and business, and "soft" in managing the party.

When handling corruption cases in provincial rural commercial banks, the Supervisory Committee of the Provincial Commission for Discipline Inspection should simultaneously coordinate the investigation and handling of cases and the disposal of financial risks, and strengthen system supervision and internal governance. The task force of the Supervision Committee of the Provincial Commission for Discipline Inspection directly investigated and handled the senior management cases of the provincial association, took the lead in supervising the senior management cases of county rural commercial banks, assigned jurisdiction and investigated in different places, unified command and dispatch, and prevented system risks.

In view of the problems exposed in the case, the Party Committee of the Provincial Association made rectification one by one. On the one hand, urge relevant rural commercial banks to focus on rectifying improper related party transactions of major shareholders and standardize equity management and shareholder loans. On the other hand, for key areas such as "three majors and one big", credit supply, financial management, etc., 48 negative lists were formulated, and key systems such as employee recruitment and exchange rotation were revised in time to strengthen the restriction and supervision of power and reduce the rent-seeking space of power.

The Party Committee of the Provincial Association also started with the atmosphere of selecting and employing people to carry out special rectification. Last year, a total of 25 top leaders of rural commercial banks were adjusted, and the secretary of the Disciplinary Committee 16 people were promoted to serve in different places. The chairman of 1 and the president of 1 rural commercial bank were dismissed because of their weak sense of responsibility and strong opinions from the masses.

With the promotion of various rectification work, the main development indicators of the provincial rural commercial bank system have been optimized, and the ability of service entities has been significantly enhanced. According to statistics, at the end of last year, agriculture-related loans and small and micro loans issued by the whole system increased by 50 billion yuan and 70 billion yuan respectively compared with the beginning of the year, of which the total amount of poverty alleviation loans accounted for more than 85% of the province, further returning to the origin of supporting agriculture and serving entities.

"Investigating and handling corruption cases not only did not affect the development of rural commercial banks in the province, but also made the cadres and employees of the whole system see the firm determination to punish corruption with high pressure and strictly manage cadres, which boosted the entrepreneurial confidence of the officers and stimulated the positive energy to promote reform and development." Zhong Yuan, Party Secretary and Chairman of Anhui Hometown Association, said.