FSC Struggling to Keep Up with Bank Embezzlement Cases 理專弊案近五年逾20件 金額高達16億元

Twenty-nine embezzlement cases at banks with a loss of NT$1.6 billion were reported in the last five years. The Financial Supervisory Commission Chair Huang Tien-mu said it has planned to establish mechanisms for combating this happening again.

After the U.S. and Taiwan both announced higher interest rates, the Taiex opened up on the 21st. Electronic and steel stocks including TSMC saw the largest gains. Financial Supervisory Commission Chair Huang Tien-mu told lawmakers higher U.S. rates historically have a positive impact on the stock market.

Huang Tien-mu, Chair, Financial Supervisory Commission: “Probably as rates go up, the stock market will probably respond positively. Fundamentals are still the most important. Foreign capital will be sold off, but will still come in. Inflows in February were around NT$1.2 billion.”

Huang Tien-mu says many economies have declined by over 10 percent this year while Taiwan's has only fallen 4 percent. In addition, listed companies reported revenues of NT$6.5 trillion in February, which was an increase of 12.65 percent from a year ago. Yield and profit-earning ratios also looked good. The Directorate-General of Budget, Accounting and Statistics is forecasting economic growth this year of 4.42 percent. The Financial Supervisory Commission, meanwhile, has its hands full with a slew of embezzlement cases at banks, with 29 cases and losses of NT$1.6 billion reported in the last five years.

Shen Fa-hui, Legislator (DPP): “We have so very many mechanisms in place, but it still keeps happening. ”
Huang Tien-mu, Chair, Financial Supervisory Commission: “The most recent cases share a common characteristic: cash flow in individual accounts instead of banks. So, this area has to be strengthened.”

The FSC says its plans for combating this include reestablishing a culture of integrity, improving accountability mechanisms, establishing financial penalties, and strengthening education. It will also take a look at what other countries do to prevent embezzling among bank executives.
 

盤面上一片紅通通，就在美國與台灣相繼宣布升息後市場不確定因素跟著消除，台北股市今日一開盤就跳空大漲，在台積電等電子股及鋼鐵股助攻下，目前大盤仍維持漲勢，今日上午金管會主委黃天牧在立法院財政委員會表示，從美國歷史循環來看，升息階段對股市影響較為正面。

黃天牧表示：「大概在升息階段，其實股市的回應都是正面的，基本面還是最重要的，外資的確這段時間賣得比較多，但是仍然有匯入，2月份匯入了12億左右。」

黃天牧提到，全球股市今年以來下跌很多，許多國家都跌10％以上，但台灣相對其他主要市場只跌4％多，且從基本面來看，2月上市櫃營收達6.5兆元，比去年同期增加12.65%，殖利率、本益比都不錯，加上主計總處預估台灣今年經濟成長率可達4.42%，顯示台股仍有一定的成長動能。而國內銀行理專盜領客戶錢案件層出不窮，儘管金管會已祭出理專十誡、理專十誡2.0，但近5年來仍發生29件，損失金額高達16億元。

民進黨立委沈發惠說：「我們有這麼多這麼多的機制，結果還是一直不斷的發生。」 

金管會主委黃天牧指出：「最近這幾個案子有一個特徵，就是他不是在行內做金流，他是到他個人的帳戶去做，所以這部分要強化。」

金管會強調，未來將從建立誠信文化、精進問責機制、嚴明金融紀律、強化教育宣導四方下手，也將參考歐美國家制度來精進高階經理人問責機制，於銀行業發生重大違失時，對該當事人予以問責。