Three major banks general checkup

Three major banks general checkup

 

大手３行一斉検査

 

金融庁

 

みずほ銀行報告書検証も

 

金融庁は１１月５日、三菱東京ＵＦＪ銀行、みずほ銀行、三井住友銀行の大手銀行３グループに対する一斉検査に入った。

 

みずほグループには、暴力団関係者への融資を放置していた問題で「隠蔽はなかった」と結論付けた報告書の妥当性を追加検査で検証する。

 

捜査結果を踏まえて、年内にも追加の行政処分が必要かどうか判断する。

 

麻生太郎金融担当相は５日の閣議後記者会見で、みずほグループが事実と異なる報告をしたことに「はなはだ望ましくない話」とあらためて不快感を示した上で「みずほの対応の仕方を充分検証していく」と強調した。

 

経済産業省も５日、提携ローンを行なっている信販会社１８社に対し、割賦販売法に基づく報告を求める方針を示した。

 

暴力団関係者との取引の有無などを報告させる。

 

金融庁の一斉検査を受けるのは、３グループの持ち株会社と、それぞれの傘下にある三菱東京ＵＦＪ銀行、みずほ銀行、三井住友銀行。

 

みずほグループ以外でも暴力団関係者らを排除するための法令順守体制が整っているか重点的に調べる。

 

みずほグループの追加検査では専従の検査官が立ち入った。

 

１０月２８日に提出された業務改善計画などを踏まえ、法令順守の担当者らから聞き取りをするほか、関連資料を精査する。

 

担当者や役員からの聞き取りなどが必要なため、検査を終えるまで、少なくとも１ヶ月程度はかかる見通し。

 

このほか、３グループに対する共通項目として、経営陣の目が組織全体に行き届いているか、金融危機が起こっても健全性が保たれるか、お金が必要な中小企業にしっかり貸しているか調べる。

 

みずほ銀行は９月２７日、系列の信販会社を通じた提携ローンで問題融資を放置したとして金融庁から業務改善命令を受けた。

 

その後に「情報が担当役員止まり」と事実と異なる説明をしたことが発覚。

 

１０月２８日には、佐藤康博頭取を含む５４人の処分と再発防止策を盛り込んだ業務改善計画を金融庁に提出した。

 

（神奈川新聞、２０１３年１１月６日朝刊）

 

 

Three major banks general checkup

 

Financial Services Agency (FSA)

 

Mizuho Bank also report, also verification

 

5 November 2013, FSA went into general checkup for three groups major banks, Mitsubishi Tokyo UFJ Bank, Mizuho Bank , Mitsui Sumitomo Bank.

 

Mizuho group, FSA verified with further testing the validity of the report concluded that "there was no hide” on issues that had been left for the loans to persons related to organized crime groups.

 

Based on the investigation results, to determine whether need additional administrative penalties within  this year.

 

In the press conference after the cabinet meeting on  5th November, Taro Aso FSA Minister, in charge of financial affairs is sufficient verification how to respond, stressed "Mizuho on only to show the discomfort again, talking undesirable woefully,” that is Mizuho group has reported that a not factual.

 

5th November, for 18 companies, with credit sales doing the affiliated loan, Ministry of Economy, Trade and Industry showed a policy to seek a report based on the Installment Sales Act (割賦販売法).

 

They make them to report the presence or absence of transactions with persons related to organized crime groups.

 

Holding company of 3 groups, and, Mitsubishi Tokyo UFJ Bank, Mizuho Bank, Mitsui Sumitomo Bank, which is under the running of each 3 groups, will be received the general checkup of the Financial Services Agency (FSA).

 

To investigate compliance, focus on system to eliminate the gang, officials investigate even Mizuho group something other than are in place.

 

Special inspectors are intrusive in additional testing of Mizuho group.

 

In addition to consideration of business improvement plan that was submitted on 28 October, will interview to representatives from regulatory compliance, and will review for related documents.

 

Expected for interviews with officers and personnel required, until end of the inspection, it will be at least about one month to take all.

 

In addition, as a common item for the 3 groups, examine the concern of management or, are in good condition throughout the organization, or can keep management when the financial crisis even if it occurs, and whether the good loan to small or medium-sized companies that need money.

 

27 September, Mizuho Bank received a business improvement order from the Financial Services Agency (FSA), Mizuho Bank was allowed to stand as a problem loan in partnership loan through the credit company.

 

They have a different description with the fact, "information officer stops" and the subsequent revelation.

 

28 October, Mizuho Bank submitted from the Financial Services Agency (FSA) the business improvement plan that includes measures to prevent recurrence and disposal of 54 people, including the president Yasuhiro Sato .

 

(Kanagawa Shimbun, 6 Wednesday November 2013 The Roman)

(Translated: R.S.F. toshiki speed news press, Agence France-Presse, 6 Wednesday November 2013 The Roman)