Recently, several cadres of financial institutions at the central level have been investigated and dealt with, including he Xingxiang, member of the Party committee and vice president of China Development Bank, Yang Bailu, former deputy secretary of the Party committee and vice president of Henan Branch of Agricultural Development Bank of China, Hua Yuan, former member of the Party committee and vice president of Liaoning Branch of Bank of Communications... The reporter found that the financial anti-corruption continued to deepen, The depth and breadth of case investigation have been continuously expanded. While investigating and dealing with relevant cases, the discipline inspection and supervision organs urged all functional departments to pay close attention to each case and actively recover and recover relevant losses. For example, the discipline inspection and supervision commission of Inner Mongolia Autonomous Region promoted the Mongolian Commercial Bank to settle 26.6 billion yuan of arrears and 45.52 million yuan of discipline violations by strictly investigating a series of corruption cases of subcontractor banks. The discipline inspection and supervision commission of Qujing City, Yunnan Province has focused on key areas of public concern such as seeking personal gain through loans and abuse of power, carried out special rectification on illegal loans, and strictly investigated the corruption behind financial risks. The picture shows the discipline inspection and supervision cadres of Malong District of the city checking the loan account in the rural credit cooperatives. Photo by Fang Jun The previous 10th meeting of the central financial and Economic Commission stressed the need to coordinate the prevention and resolution of major financial risks, and promote the punishment of financial corruption and the prevention and control of financial risks. The eighth round of inspection of the 19th Central Committee will inspect the party organizations of 25 financial units such as the people's Bank of China and the China Banking and Insurance Regulatory Commission. What is the internal relationship between financial corruption and financial risk? How to deal with the relationship between punishing financial corruption and preventing and controlling financial risks? How to deepen the treatment of both symptoms and root causes and improve governance efficiency? Financial corruption radiates in a wide range, with prominent problems such as soliciting and accepting bribes by using the power of examination and approval and supervision, engaging in "private customization corruption" through currency issuance, and "taking over by taking over" From the cases investigated and dealt with in recent years, the radiation range of financial corruption is extremely wide, ranging from traditional bank credit to the fields of securities, insurance, guarantee and credit rating, involving regulatory rent-seeking and collusion, securities insider trading, financing information fraud, taking advantage of position to obtain additional income in credit trading, new benefit transmission, etc. The reporter noted that using the approval and supervision power of the third-party payment license to ask for and accept bribes has become an important form of corruption. According to the relevant person in charge of the discipline inspection and supervision group of the Central Commission for Discipline Inspection and the State Supervision Commission in the people's Bank of China, Tao Xiaofeng, the former party secretary and chairman of Huida company, who was "double opened" in January this year, took advantage of his position or the convenience formed by his power and status to pay the company, branch personnel and subordinates of the company The cooperative unit seeks interests in applying for payment business license, internal audit, job transfer, undertaking business and other matters, and illegally accepts property and property interests, which is huge. The money and gold and silver department with the right to issue money is also a high-risk area of corruption. There are prominent problems, such as illegal purchase of large-scale commemorative coins, giving money as a "local specialty", and using the right to issue money to engage in "private customization corruption". For example, Han Liwei, former director of the planning and allocation Department of the monetary and gold and silver Bureau of the people's Bank of China, regarded the monetary and gold and silver Department of the lower branches as a private field and greeted the lower branches by promising to "take care of them during assessment", so as to seek private interests. With the rapid development of digital finance, many regulators have increased their investment in system development and equipment procurement in the field of financial science and technology. The relevant expenses of some financial infrastructure enterprises are increasing. Some cadres take advantage of their positions to provide convenience for others in the process of system construction, equipment procurement and bidding. It is worth noting that some financial supervision cadres even abuse their power for personal gain by taking the opportunity of participating in risk disposal. In July this year, Li Guorong, former member of the Party committee and deputy director of Sichuan banking and Insurance Regulatory Bureau, who was investigated and dealt with by the discipline inspection and supervision team of the Central Commission for Discipline Inspection and the State Supervision Commission in the banking and Insurance Regulatory Commission in conjunction with the supervision commission of Hohhot City, Inner Mongolia Autonomous Region, is a typical example. "Since he took office in the takeover group of the subcontractor bank, Li Guorong has used his power of risk disposal to collect money wantonly, accepted the entrustment of private business owners, intervened in the capital lending of the taken over banking institutions and affiliated banking institutions, and took advantage of his position to seek benefits for others in terms of loan issuance or extension, loan interest reduction, debt restructuring, etc. of the supervised financial institutions 'takeover 'is a typical example, "said the relevant person in charge of the discipline inspection and supervision team of the CIRC. Financial institutions have a large power of independent operation and management, lack of supervision over the "top leaders", and the chain like characteristics and spread of financial corruption are easy to cause systemic risks For a long time, the independent legal person of financial institutions has a large right to operate and manage independently, especially the phenomenon of "paying more attention to the management than the management" of credit business is still prominent, the internal control mechanism is not perfect, especially the supervision of the "top leaders" is weak, and the problems such as "too far supervision from the higher level, too soft supervision at the same level and too difficult supervision at the lower level" still exist in some financial institutions, especially grass-roots branches. "The power of the main person in charge of the bank's operating organization is mainly reflected in the credit approval and fund approval. At present, although there are practices such as the appointment of the sub branch president and the vertical leadership of the line, the supervision of the main person in charge is still lack of rigidity." the relevant person in charge of the supervision committee of Suzhou Municipal Commission for Discipline Inspection of Jiangsu Province introduced that the investment banking and other emerging banking products have a long cycle and nested layers, Some projects are even as long as 20 years. The risk control of these products mainly depends on the "top leaders". Due to the long time and difficult accountability, it is easy to breed corruption. "Corruption cases in the capital market have strong concealment and complexity. Some rely on technical means to isolate capital flow and information flow to hide corruption, and some put a market-oriented coat on bribery through structured products, equity holding, insider trading and other means." said the relevant person in charge of the discipline inspection and supervision team of the State Supervision Commission of the Central Commission for Discipline Inspection in the CSRC. With the strengthening of financial supervision, it is more difficult to commit crimes alone. Some people turn to work together to commit crimes and use high-tech means to put on a "cloak" for financial corruption. "Some corrupt elements in the financial system have formed interest groups inside, and they cover up each other, so that they have not been found for a long time," Wu Deyi, deputy director of the third supervision and inspection office of the Commission for Discipline Inspection of Guangxi Zhuang Autonomous Region, told reporters. For example, Xu Zhen, former Secretary of the Party committee and chairman of the inter-bank market clearing house Co., Ltd., engaged in league gangs with personnel in key positions such as finance and human resources, developed their own "small circle" members, and distributed huge awards to "small circle" members under the guise of "secret salary system". After leaving office and during the investigation, he repeatedly asked the "small circle" to unify their caliber, It even instructs people in the circle to report others anonymously against organizational review. In addition to the concealment and complexity of means, corruption in the financial industry also presents the characteristics of a chain and has a strong spread. It is not only easy to cause risk events in financial enterprises, but also reduce the efficiency of market resource allocation, lead to systemic risks and threaten the national economic security and stability. "The amount of money involved in some cases is not very large, but the political consequences and financial risks can not be underestimated. For example, we should 'release water' on institutional access, introduce bad institutions that ignore compliance operations into the financial industry, and bury potential risks." according to the relevant person in charge of the discipline inspection and supervision team stationed in the people's Bank of China, for example, Tao Xiaofeng is willing to act as a capital "lobbyist", Mediation and coordination helped a company obtain a "payment business license". Since then, the company has dried up its liquidity due to misappropriation of customer reserves, seriously insolvent, and caused huge losses to the interests of the state and the people. To do a good job in the overall connection between financial anti-corruption and the disposal of financial risks, we should fundamentally straighten out the internal management and external supervision systems and mechanisms Financial corruption is often behind financial risks, which is easy to induce and aggravate financial risks. "Major financial risks are generally related to violations of rules and disciplines, dereliction of duty and malfeasance, some of which are directly caused by violations of laws and crimes, and there is a close relationship between violations of rules and disciplines and financial risks." Cui Jun, head of the discipline inspection and supervision team of the central Commission for Discipline Inspection and the State Supervision Commission in CITIC Group, said. In recent years, discipline inspection and supervision organs and regulatory departments at all levels have combined the reality of the financial system, focused on the overall connection between financial anti-corruption and disposal of financial risks, explored and established the "five in one" working mode to find out the facts of the case, prevent and control financial risks, make every effort to recover stolen goods and losses, make up for weaknesses and repair political ecology, so as to protect financial assets while eliminating the "rats" of financial corruption "Yupan" has achieved good political, discipline and law effects and social effects. For example, the supervision committee of Shanxi Provincial Commission for Discipline Inspection urged and coordinated the public security, courts, local banks and other units to pay close attention to the case by case and collect the principal and interest of overdue loans of 24.423 billion yuan; the supervision committee of Jinzhou Municipal Commission for Discipline Inspection of Liaoning Province strictly investigated the transfer of interests of internal personnel of Jinzhou bank, promoted the asset and capital verification of Jinzhou bank, and assisted the Party committee and government to effectively find out the risk base. "While seeing the results, there are still some problems to be solved." the relevant person in charge of the discipline inspection and supervision team of the CIRC told reporters, "if we can't fundamentally straighten out the systems and mechanisms of internal management and external supervision, the problems of risk and corruption will still 'make a comeback'." Taking urban commercial banks as an example, there is a lack of institutional arrangements for information sharing among financial institutions, regulatory authorities, discipline inspection and supervision organs, public security organs and judicial departments, and the coordinated promotion of investigating and handling cases and resolving risks is insufficient. Banks, regulatory authorities, discipline inspection and supervision organs and public security organs lack a full process working mechanism for the transfer of clues in cases, and the connection of execution needs to be deepened. In addition, discipline inspection and supervision organs Most of the procuratorial and supervisory organs intervene after the outbreak of risks, the exposure of corruption and the "breaking of muscles and bones" of financial institutions. It is costly and costly. It is urgent to optimize the working system and mechanism and take the initiative to play a role. We will consolidate the main responsibilities of financial institutions and promote the strengthening of financial supervision and internal governance "The key to promoting the punishment of financial corruption and the prevention and control of financial risks as a whole lies in adhering to and strengthening the party's leadership, strengthening political construction, and persistently promoting the comprehensive and strict governance of the party." The person in charge of the discipline inspection and supervision team of the CSRC pointed out that the root cause of a series of risk events and corruption cases in the financial field lies in the weakening, falsehood and marginalization of Party building in financial institutions. We should firmly focus on the standardized operation of public power, earnestly urge the implementation of the main responsibility of managing the party, and promote the strengthening of financial supervision and internal governance. In the battle to prevent and resolve major financial risks, the people's Bank of China pays attention to both the symptoms and root causes, and prevents and controls financial risks. On the one hand, it urges financial institutions to integrate the party's leadership into corporate governance, promotes the solution of the weakening, weakening and marginalization of the party's leadership and Party building in high-risk financial institutions, and promotes financial regulatory authorities to take corporate governance as an important part of the daily supervision of financial institutions On the other hand, we will coordinate and improve the financial supervision system, steadily implement the supervision of systemically important financial institutions and financial holding companies, promote the establishment of local coordination mechanisms for the offices of the Finance Commission, promote the introduction of accountability measures for preventing and resolving major financial risks, promote the implementation of local Party and government responsibilities, and consolidate the responsibilities of all parties. With the accelerated reform of accredited institutions, the discipline inspection and supervision team of accredited financial institutions promotes strong supervision with strong supervision. While deeply investigating the corruption behind financial risks, it deepens the promotion of reform with cases, and the authority and advantages of "sending" continue to show. The discipline inspection and supervision team of the Central Commission for Discipline Inspection and the State Supervision Commission in China Construction Bank urged the units involved to carry out the work of case recovery and comprehensively