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2013年10月13日 (日)

みずほ問題融資 組織的な責任を明確にせよ

The Yomiuri Shimbun October 13, 2013
Mizuho Bank should clarify responsibility over dubious loans
みずほ問題融資 組織的な責任を明確にせよ(10月12日付・読売社説)

Examples of Mizuho Bank’s poor handling of its recent loan scandal have been revealed one after another as its explanations of the matter flip-flop. We urge the bank to draw up drastic reform measures, including a management reshuffle.
 説明が二転三転し、お粗末な実態が次々と明らかになってきた。経営陣の刷新など、抜本的な出直し策が求められる。

The core retail banking unit of Mizuho Financial Group Inc., Mizuho Bank, has come under fire over loans extended to members of criminal organizations through its affiliated consumer credit firm, Orient Corp.
 みずほ銀行が、系列信販会社・オリエントコーポレーションを通じ、暴力団員らに融資をしていた問題である。

The bank initially told inspectors of the Financial Services Agency, and said at a press conference that information about the loans only reached as far up as executives in charge of compliance. However, Mizuho Bank President Yasuhiro Sato changed the company’s story at another press conference Tuesday, saying then President Satoru Nishibori had been made aware of the dubious lending.
 みずほ銀は当初、金融庁検査への報告や記者会見で、暴力団融資に関する情報は「担当役員止まりだった」としていた。ところが、佐藤康博頭取が8日にようやく記者会見し、当時の西堀利頭取に報告していたと、説明を翻した。

Sato also said an internal investigation had revealed that documents showing the loans to gangsters were distributed at meetings, including a board meeting that Sato attended.
 佐藤氏も出席した取締役会などの会議に、組員への融資実態を示す資料が配られていた事実も、社内調査で判明したという。

However, Sato said he did not perceive the matter as a problem, as he could not remember seeing the documents or receiving reports of the loans. Such a statement is too irresponsible.
 佐藤氏は、資料を見た覚えも、説明を受けた記憶もなく、「問題と認識するには至らなかった」と釈明したが、無責任にすぎる。

Although the bank’s senior officials, including top executives, repeatedly had access to the relevant documents, the loans were left unaddressed. None of the executives insisted that the loans be canceled immediately. In light of this, the bank does not deserve the status of a megabank, which is expected to keep strict legal compliance.
 トップを含む幹部たちが資料を再三、手にしていたのに、暴力団融資が放置され、即時解消を主張した役員もいなかった。これでは厳格な法令順守が求められるメガバンクに値しない。

Chief Cabinet Secretary Yoshihide Suga criticized the bank at a press conference, saying, “In terms of common sense, the bank bears a grave responsibility as an organization.” This criticism is reasonable.
 菅官房長官が記者会見で、「常識的に考えれば、組織的に大きな責任がある」と批判したのはもっともである。

For the time being, a third-party committee set up by the bank and comprising three experts plans to investigate the matter. Based on the probe’s findings, the bank intends to work out plans to improve its business, which are scheduled to be submitted to the FSA late this month, and decide on internal punishments.
 当面は、みずほ銀の設けた専門家3人の第三者委員会が、実態解明にあたる。結果を踏まえ、今月下旬に金融庁に報告する業務改善計画や、社内処分を決める。

Self-corrective action is key

It is crucial that Mizuo Bank fully cooperate with the third-party panel to eliminate the problem by itself. The bank must carry out preventive measures thoroughly.
 みずほ銀が第三者委に全面的に協力し、自らウミを出し切ることが肝心である。再発防止策も徹底しなければならない。

However, it remains unclear whether the panel, which has no legal authority, can grasp the whole picture of the scandal in the limited time period of less than one month.
 ただ、法的な権限のない第三者委が、1か月足らずで全容を把握できるかどうか不透明だ。

The FSA has ordered the bank to submit an additional report on the loans. After examining the report, the regulator is expected to consider taking the additional step of imposing administrative penalties on the bank.
 金融庁は、問題融資などの経緯を改めて報告するよう、みずほに命じた。報告内容を精査し、行政処分の追加を検討する。

But questions have been raised as to whether the FSA’s call for the additional report is sufficient to determine whether the bank acted maliciously to obstruct the watchdog’s inspections, such as by covering up the loans. The FSA should consider conducting additional on-site inspections and taking stricter steps to unveil the truth behind the scandal.
 意図的な隠蔽など悪質な検査妨害の有無を判断するのに、再報告だけで十分かどうか疑問も残る。金融庁は真相究明のため、追加の立ち入り検査など、より厳しい対応を検討すべきである。

In its inspection, which started in December, the agency did not question the bank’s sloppy report and dealt with the matter only by imposing a light administrative punishment. Was the FSA lenient in its inspection of the bank? The agency must view the matter gravely.
 昨年12月からの金融庁検査は、みずほ銀のずさんな報告を信じ、軽い行政処分で済ませた。検査に甘さはなかったか。金融庁も重く受け止めねばならない。

This fiscal year, the FSA eased inspection criteria, including leaving the screening of small loans to financial institutions. Promoting the extension of new loans is important, but compliance is a separate issue and should not be compromised. Wrongdoings such as lending to crime syndicates and money laundering should be supervised more strictly.
 金融庁は今年度、小口融資の査定を金融機関の判断に委ねるなど検査方針を緩和した。新規融資の促進は大切だが、法令順守は全く別問題である。暴力団融資や資金洗浄などの不正行為は、これまで以上に厳しく監視すべきだ。

(From The Yomiui Shimbun, Oct. 12, 2013)
(2013年10月12日01時39分  読売新聞)

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