一起“弄巧成拙”的银行违规案
weiwanshanhuowumaoyiwaihuiguanli，tuijinhuowumaoyibianlihua，fangbianjinchukouqiye，waihuijuduihuowumaoyijinchukouqiyeshixinglefenleiguanli。dui“a”leiqiyemaoyiwaihuishouzhi，shixingbianlihuadeguanlicuoshi；dui“b”、“c”leiqiyedemaoyiwaihuishouzhi，zaidanzhengshenhe、yewuleixingjibanlichengxu、jiesuanfangshidengfangmianshishishenshenjianguan。zuijinyijiayinxingweiguiwei“b”leiqiyebanlilehuowumaoyishouhuizhifuyewu，bingweitaobiwaihuijuchufa，guyiweizao《jingwaihuikuanshenqingshu》，tijiaoxujiaziliao，shoudaowaihuijuchachu。gewaihuizhidingyinxingyingdangyinyiweijie。
案 情
2013nian10yuezhongxun，waihuijutongguohuowumaoyijiancexitongfaxian,2013nian8yue，yijiayinxingweitongguojiancexitongkoujianqiyekefuhuiedu，weimou“b”leiqiyebanlilehuowumaoyixiangxiayufuhuokuanshoufuhuiyewu1bi，jine31.62wanmeiyuan。zaiduixiangguanshoufuhuidanju、pingzhengziliaoheduihou，yewubumenchuburending，gaiyinxingshexianweianguidingbanli“b”leiqiyehuowumaoyishoufuhuiyewu，suiduigaiyinxingdeshangshuxingweiyuyilian，bingduigaiyinxingjinxinglexianchangjiancha。
xianchangjianchazhong，gaizhixingjieshicheng，jingxunwenjingbanyewurenyuanheguojishouzhishenbaojingbanjuyuan，diaoyueyuanshipingzhengbingxiangqiyehedui，querengaibishoufuhuishijiwei“yufujiqixiulifei”zhichu，shufeimaoyixiangxiashoufuhui。zhisuoyicuoshenbaoweihuowumaoyishoufuhui，yishiyouyugaiqiyeshuyumaoyijinchukouqiye，qishou、fuhuizhuyaozaimaoyixiangxia；ershijuyuanwujiangyou“yufu”ziyangdefuhuidanju，wurenweishihuowumaoyideyufuhuokuanzhichu，yinerwushenbaoweiyibanhuowumaoyifuhui。yinxingtongshixiangjiancharenyuantigongleyizhangfuhuiriqiwei2013nian8yue20ri“jiaoyifuyan”wei“yufuweixiufeiyong”de《jingwaihuikuanshenqingshu》，zuoweifeimaoyishoufuhuidezhengju，yicibiaominggaibishoufuhuiyewu，bushouhuowumaoyiwaihuiguanliguidingdezhiyue。
weiyanzhengyinxingdejieshi，jinyibuchaqingshishizhenxiang，jiancharenyuandangjiduiyinxingtigongdefeimaoyishenbaodanjinxingzixihedui，faxianqizhongde“jiaoyifuyan”lande“yufuweixiufeiyong”ziyangxishouxie，bufuheyibanyinxingshejijingwaishou、fuhuishenbaodanjutianxielandeneirongjunweidiannaodayindeguanli。zheiyiyidianyinqilejiancharenyuandezhongshi，suijiduigaibishoufuhuidezhenshixingjinxingjinyibujiancha。yishitongguoguojishouzhitongjishenbaoxitong，hechagaibijiaoyiyuanshishenbaodeqingkuang。hechajieguoshi，qiyuanshishenbaodejiaoyibianmashi101010，shoufukuanxingzhiwei“yufuhuokuan”，jiaoyifuyanwei“yibanmaoyijinkouhuokuan”，qieyinjiaoyifuyanyushoufukuanxingzhibufu，cengbeiwaihuijuguojishouzhibumenyaoqiuduigaijiaoyixingzhijinxingqueren，qihoufankui“jiaoyifuyandeneirongyigengzhengweiyibanmaoyijinkouyufuhuokuan”。ershitongguohuowumaoyijiancexitong，heduiyuanshidaorudejiaoyishujuzhuangtai。yuanshishujuxianshi，gaibiyewurengweihuowumaoyishoufuhui，qiegaiyinxingzaixiangwaihuijuyewubumentigongde2013nian8yue20riyuanshijingwaihuikuanshenqingshudejiaoyifuyanlanzitiyeweidiannaodayinde“yufuhuokuan”。sanshigaibishenbaoshujuyouyibanmaoyijinkouyufuhuokuangaiweifeimaoyifuhui，jiaoyifuyangenggaiwei“yufuweixiufeiyong”，shigaiyinxingyu2013nian11yue7ritongguoguojishouzhitongjishenbaoxitongjinxingde。
shangshudiaochajieguoxianshi，gaibishoufuhuiyewuzaiwaihuijianchabumenjierudiaochaqian，yizhishenbaozaimaoyixiangxia，zhizhiwaihuijianchabumenjieruhou，shenbaocaiturangaiweifeimaoyixiangxia。
mianduichongfendezhengju，gaizhixingzhongyuchengrenxiangwaihuijianchabumentigongdefeimaoyixiangxiadeshenbaodanshiweiyingfujianchashihouxiugaide，mudeshiweileyangaiweiguiwei“b”leiqiyebanlihuowumaoyixiangxiayufuhuokuanshoufuhuiyewu。
定 性
shouxian，gaiyinxingzaiweijinxingdianzishujuhechajitongguojiancexitongkoujianduiyingdekefuhuiedudeqingkuangxia，wei“b”leiqiyebanlilehuowumaoyishoufuhui，qixingweiweifanle《huowumaoyiwaihuiguanlizhiyinshishixize》diliushiwutiaodeguiding。
qici，gaizhixingguyigenggaiguojishouzhitongjishenbaoxinxi，zaochengguojishouzhitongjishenbaobuzhunque，qixingweiweifanle《tongguojinrongjigoujinxingguojishouzhitongjishenbaoyewucaozuoguicheng》diwutiaodeguiding。genju《zhonghuarenmingongheguowaihuiguanlitiaoli》disishiqitiao、disishibatiaodeguiding，waihuijuduigaizhixinganweifanguidingbanlishouhuiyewu、weianzhaoguidingjinxingguojishouzhitongjishenbaojinxinglechufa。
点 评
huowumaoyigaigeyihou，waihuijugenjuqiyejingyingzhuangkuang、xinyuyijizunshouwaihuiguanlizhengcedeng，duiqiyeshixingfenleijianguan，benzhejiangyoufaliedeyuanze，duixinyujia、zhixingwaihuiguanlizhengcehao，waihuishouzhizhengchangdeqiye，shiyongbianlihuaguanlicuoshi，jidadifangbianlejinchukouqiyemaoyijingyinghuodong，youxiaodicujinleduiwaijingjidefazhan。tongshiduiwaihuishouzhiyichang，weifanwaihuiguanlizhengcedeqiye，jiadajianguanlidu，shishishenshenjianguan。zaigaiwaihuiguanlizhengcebeijingxia，waihuizhidingyinxingchengdanlegengduodewaihuiguanlizhengcedechuangkouzhidaohejumianshenhegongzuo，youcifuyuyinxingxiangyingdedaiweijianguanzhize。dangebieyinxingzaijingyingzhibiaokaohedequdongxia，fangqidaiweijianguanzhize，shenhuozaifashengweiguiwentihoubudanbujiaqiangduiyuangongdejiaoyu，zongjiejingyanjiaoxun，fanerxiangfangshefaguibizeren、taobichufa，shenzhibuxijiangyigechengxuxingweiguiwentiyanbianchengnongxuzuojiadeeyishuangzhongweiguixingwei，jiaoxunbukeweibushenke。
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