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2013年12月31日 (火)

みずほ追加処分 経営の刷新で一から出直せ

The Yomiuri Shimbun December 30, 2014
Mizuho banking group must revamp corporate management, compliance
みずほ追加処分 経営の刷新で一から出直せ(12月30日付・読売社説)

Mizuho Financial Group Inc. will be unable to refurbish its tarnished public image unless it thoroughly reforms its erratic corporate structure and revamps its method of conducting business.
 経営を刷新し、今度こそ企業体質を立て直さない限り、失墜した信頼の回復は望めまい。

Because the megabank’s top management failed to address problematic loans extended to gangsters from its lending affiliate, the Financial Services Agency has ordered a second round of punitive actions for Mizuho Bank and Mizuho Financial Group, the bank’s holding company.
 みずほ銀行が暴力団組員らへの融資を放置していた問題で、金融庁はみずほ銀と持ち株会社のみずほフィナンシャルグループ(FG)に対する追加行政処分を下した。

In addressing the loans to gangsters, the financial watchdog ordered the nation’s second-largest banking group to suspend loans through the affiliate for a month, called for clarification of management responsibility and demanded the strengthening of corporate governance. The FSA’s order came only three months after it issued its first round of business improvement instructions to Mizuho in September.
 問題融資のあった提携ローンを1か月間の業務停止とし、経営責任の明確化や管理態勢の強化を命じた。9月の業務改善命令から、わずか3か月である。

Mizuho Bank initially claimed its top management was unaware of the loan irregularities, saying the matter had been left to directors in charge. It was later revealed, however, executives of the bank, including the president, actually were in a position to know about the loans, as they had received reports from subordinates.
 みずほ銀は当初、「問題融資の情報は担当役員止まり」と金融庁に説明していたが、実際には当時の頭取らに報告が上がっていたことが判明した。

It is highly unusual for the FSA to mete out administrative punishments twice against a financial institution in such a short period of time. The agency’s action appears aimed at pressuring Mizuho to terminate irresponsible actions by its management.
 金融庁が短期間に2回も処分するのは異例だ。無責任体質の改善を厳しく迫る狙いだろう。

Mizuho Bank is scheduled to submit a business improvement plan to the FSA by Jan. 17. To ensure that transactions with gangsters do not recur, the bank must come up with effective preventive measures.
 みずほは金融庁に対し、来年1月17日までに業務改善計画を提出する。暴力団取引から決別するため、実効性のある再発防止策を講じる必要がある。

Mizuho’s response to the administrative punishments, however, has been problematic. Although Takashi Tsukamoto, chairman of Mizuho Financial Group, will step down at the end of March to take responsibility for the loan scandal, Mizuho Bank President Yasuhiro Sato will remain in office, while concurrently holding on to the post of president of Mizuho Financial Group.
 疑問なのは、行政処分を受けたみずほの対応だ。みずほFGの塚本隆史会長は3月末で引責辞任するものの、みずほ銀の佐藤康博頭取は、兼務するみずほFG社長を含めて続投する。

End vertical segmentation

At a press conference Thursday, Sato said, “My responsibility is to put into place a corporate governance structure that global markets can trust.”
 佐藤頭取は記者会見で、「国際金融市場で評価されるガバナンス(企業統治)体制を作ることが私の責務だ」と述べた。

In citing reasons for taking punitive steps this time, the FSA lambasted Mizuho, pointing out that the bank’s board of directors had “failed to engage in substantial discussions and had fallen short of functioning properly.” Can Mizuho drastically reform its management structure while keeping the “Sato regime” in place?
 金融庁は、「取締役会は実質的な議論を行っておらず、機能を発揮していない」と、今回の処分理由で厳しく批判した。「佐藤体制」を維持したまま、抜本的な経営改革が進むだろうか。

Ever since its launch in 2000 through the merger of Dai-Ichi Kangyo Bank, Fuji Bank and Industrial Bank of Japan, Mizuho has faced a number of serious problems, including large-scale computer system failures.
 みずほは、第一勧業、富士、日本興業の旧3行統合で発足して以来、大規模なシステム障害など不祥事を繰り返してきた。

The sequence of irregularities can be attributed mainly to the banking group’s failure to earnestly address the task of eliminating the prevailing “vertical segmentation,” as there has been insufficient collaboration between leaders hailing from the three merged banks, a problem noted by analysts in the past.
 過去にも指摘された「縦割り意識」の払拭に真剣に取り組まなかったことが、不祥事の連鎖が止まらない主因と言えよう。

Breaking down the old, home-centered mind-set of Mizuho is essential. The balancing act of allocating posts of its top management personnel affairs among those from the three former banks and the bad habit of avoiding interfering with each other must be brought to an end.
 旧行意識の打破が急務である。旧3行で役員ポストを分け合うバランス人事や、相互干渉を避ける悪弊を徹底して排すべきだ。

In line with the FSA’s instructions, Mizuho will introduce a management supervisory committee, the first to be set up in a megabank, and beef up management oversight by external directors. What is at stake is whether Mizuho can sweep away its stuffy management structure by introducing fresh faces from outside.
 みずほはメガバンクで初の委員会設置会社に移行し、社外取締役による経営監視を強める。外部の風を吹き込み、よどんだ空気を一新できるかどうかが問われる。

The Mizuho problem also shone the spotlight on the FSA’s methods of inspecting banking institutions. This is mainly because the watchdog’s regulators in the first round of inspections blindly accepted Mizuho’s explanations on the loans to gangsters, incurring criticism for their sloppy inspection methods.
 金融検査にも課題を残した。暴力団融資に関するずさんな説明をうのみにして、検査の甘さを批判されたからだ。

To regain public trust, the FSA should improve its inspection techniques significantly.
 検査に対する国民の信頼を回復するよう、金融庁は検査手法に一層、磨きをかけてもらいたい。

(From The Yomiuri Shimbun, Dec. 30, 2013)
(2013年12月30日01時25分  読売新聞)

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