乐清一银行女主管被判刑！终身禁业
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<span style="outline: 0px;font-size: 16px;visibility: visible;font-family: 微软雅黑, "Microsoft YaHei";" >事实证明，如果银行的管理人员滥用手中的权力，违规发放贷 款给亲属，其后果将非常严重。</span>
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<span style="outline: 0px;font-size: 16px;visibility: visible;font-family: 微软雅黑, "Microsoft YaHei";">6月12日下午，国家金融监督管理总局网站公布了中国银保监会温州监管分局的一则行政处罚——</span><span style="outline: 0px;font-size: 16px;visibility: visible;color: #007aaa;font-family: 微软雅黑, "Microsoft YaHei";"><strong>时任乐清某银行营业部副总经理余某某因为违反规定徇私向亲友发放贷 款，被监管层予以终身禁业。财联社记者查询发现，余某某徇私发放的贷 款最终流入其亲属的房地产项目。</strong></span>
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<span style="color: #ab1942;"><strong><span style="color: #ab1942;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">因犯违法发放贷 款罪，余某某一审被判处有期徒刑五年六个月。</span></strong></span><br/>
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<span style="outline: 0px;font-size: 16px;visibility: visible;font-family: 微软雅黑, "Microsoft YaHei";">80后女主管管徇私向亲属放贷数百万未能追回</span>
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<span style="outline: 0px;font-size: 16px;visibility: visible;font-family: 微软雅黑, "Microsoft YaHei";">中国裁判文书网信息显示，余某某，女性，1980年出生于浙江省乐清市，大学文化。2013年8月，余XX为筹措资金，与时任乐清某银行总行营业部总经理助理，负责乐清某银行总行的贷 款审查工作的姐姐余某某联系，以其同学吴某、阮某、亲戚黄某某三人的名义在该行申请办理每人金额各150万元的个人流动资金贷 款。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">余某某明知该三人的贷 款实际使用人为余XX，仍将该三人的信贷业务交由客户经理周某办理，并向周某提供了吴某等三人的虚假经营信息，其明知贷 款用途不真实，在审查贷 款申请时徇私予以审批同意，未对该三笔贷 款申请内容和相关情况的真实性、准确性、完整性进行全面客观的审查，致使所在银行于2013年8月份发放三笔贷 款，后该三笔资金由余XX实际使用。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">2014年8月份，吴某等三人的贷 款到期后， 余某某作为乐清某村镇银行贷 款审查人员，明知其**为吴某等三人的贷 款提供过桥资金进行还贷、续贷，是该三笔续贷贷 款的实际使用人，但予以徇私未对续贷材料的真实性、准确性、完整性进行全面客观的审查，导致乐清某村镇银行于2014年8月份向上述三人各发放一笔150万元的流动资金贷 款，该三笔贷 款由余某实际使用。2017年8月29日上午9时许，余某某到乐清市公安局主动投案。至公安机关立案时止，该450万元贷 款仍无法归还。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">当地法院认定涉案累计金额900万 贷 款最终流入楼市</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">浙江省乐清市人民法院认为，银行工作人员违反国家规定发放贷 款的，不但发放贷 款数额巨大的可能构成违法发放贷 款罪，而且造成重大损失的也同样可能构成违法发放贷 款罪。余某某于2013年8月份、2014年8月份分别发放贷 款450万元，系两次发放行为，且两次发放金额均属于“数额巨大”，均已单独构罪，故累计金额900万元，属于“数额特别巨大”的情形。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">法院最终认定，尽管2013年8月份的贷 款已经通过关系人余某使用过桥资金偿还，但续贷的450元万贷 款截至2017年8月28日立案时，尚有本金450万元未追回，后虽通过法院执行到位部分贷 款，但截至2019年5月13日，尚有本金400多万元未执行到位。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">法院认为，余某某作为银行贷 款业务审查人员，在办理涉案贷 款业务时严重不负责任，违反国家规定向关系人发放贷 款，数额特别巨大且造成特别重大损失，其行为已构成违法发放贷 款罪。</span><span style="outline: 0px;font-size: 16px;color: #ab1942;font-family: 微软雅黑, "Microsoft YaHei";"><strong>最终一**决余某某犯违法发放贷 款罪，判处有期徒刑五年六个月，并处罚金人民币30000元。</strong></span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">那么，余某某发放的贷 款被用于什么用途呢？财联社记者多方查询后，终于找到了答案——450万贷 款最终流入楼市。据相关文书显示，乐清某银行的处罚通报证实，该贷 款实际用于余某某弟弟的江西房地产项目。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">湖南某律师事务所律师向财联社记者表示，当前法律对于银行员工是否能够向亲属提供贷 款有明确的规定。《中华人民共和国商业银行法》第四十条指出，商业银行不得向关系人（商业银行的董事、监事、管理人员、信贷业务人员及其近亲属；前项所列人员投资或者担任高级管理职务的公司、企业和其他经济组织）发放信用贷 款；向关系人发放担保贷 款的条件不得优于其他借款人同类贷 款的条件。</span>
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<span style="outline: 0px;font-size: 16px;font-family: 微软雅黑, "Microsoft YaHei";">这位律师认为，在上述案件中，身为银行管理人员，余某某实质上是为其弟提供了数百万元的贷 款，明显违背有关法律，更何况还向银行提供了虚假经营信息，法院的判决是适当的。</span>
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<span style="outline: 0px;color: #888888;font-size: 14px;letter-spacing: 0.544px;">来源：财联社</span><br style="outline: 0px;"/>
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