政府逼推紓困貸款 公股銀行「衝業績」為貸而貸 - 金融業討論
By Kelly
at 2020-04-24T17:57
at 2020-04-24T17:57
Table of Contents
政府逼推紓困貸款 公股銀行「衝業績」為貸而貸
2020-04-23 11:44 聯合報 / 記者陳熙文/台北即時報導
新冠肺炎疫情衝擊經濟,行政院力推紓困貸款,要求銀行迅速放款,以解中小企業燃眉之
急,不過有公股銀行行員透露,許多公股銀行把紓困貸款當作業績在衝,未把紓困資源送
到需要的人手中。
面對疫情紓困,蔡政府力推防疫千億保等振興貸款措施,但日前遭立委質疑執行率過慢。
為此,行政院長蘇貞昌加重力道,上周召集公股行庫高層開會督軍,要求「紓困第一!儘
速准貸!」銀行公會昨亦找全體國銀開會,重述行政院紓困記者會內容,盼民營銀行也搭
上紓困列車。
行政院今通過紓困特別預算案,送立法院審議,各項現金補貼方案預備上路。然而,有公
股銀行行員透露,行政院頻頻施壓,不少公股銀行已要求第一線人員把紓困貸款,尤其小
額貸款的部分,當作業績在衝,有的銀行還要求每人至少要生出一件,而接下來則瞄準即
將啟動的勞工紓困貸款10萬元。
他指出,很多只是做數字,經理還會配業績,結果很多貸出來再去還原本的貸款,有浪費
紓困金之嫌;甚至有公司不必紓困,也被要求配合展延湊數字。
他也解釋,公股銀行為求表現,會尋求長期與銀行配合的公司戶幫忙,再加上紓困利息低
,多數公司戶也有意願幫忙捧場。而一旦紓困貸款出了銀行,到別家銀行做什麼用途,便
無從得知,有人就會想拿去投資或還原本比較高利率的貸款。
他說,公司戶的體質也不用特別好,只要符合規定,就會盡量被導引到紓困方案,由於現
在只是剛開始,後面不知道目標額會訂多高,所以大家能做都會盡量做。
對於很多一線人員而言,便成良心事業,一旦配業績,反正案子進來再說,賠是賠公司的
或是國家的信保基金,許多待退經理也顧不及授信品質,「反正到時都退休了」。
https://udn.com/news/story/7239/4513020
--
2020-04-23 11:44 聯合報 / 記者陳熙文/台北即時報導
新冠肺炎疫情衝擊經濟,行政院力推紓困貸款,要求銀行迅速放款,以解中小企業燃眉之
急,不過有公股銀行行員透露,許多公股銀行把紓困貸款當作業績在衝,未把紓困資源送
到需要的人手中。
面對疫情紓困,蔡政府力推防疫千億保等振興貸款措施,但日前遭立委質疑執行率過慢。
為此,行政院長蘇貞昌加重力道,上周召集公股行庫高層開會督軍,要求「紓困第一!儘
速准貸!」銀行公會昨亦找全體國銀開會,重述行政院紓困記者會內容,盼民營銀行也搭
上紓困列車。
行政院今通過紓困特別預算案,送立法院審議,各項現金補貼方案預備上路。然而,有公
股銀行行員透露,行政院頻頻施壓,不少公股銀行已要求第一線人員把紓困貸款,尤其小
額貸款的部分,當作業績在衝,有的銀行還要求每人至少要生出一件,而接下來則瞄準即
將啟動的勞工紓困貸款10萬元。
他指出,很多只是做數字,經理還會配業績,結果很多貸出來再去還原本的貸款,有浪費
紓困金之嫌;甚至有公司不必紓困,也被要求配合展延湊數字。
他也解釋,公股銀行為求表現,會尋求長期與銀行配合的公司戶幫忙,再加上紓困利息低
,多數公司戶也有意願幫忙捧場。而一旦紓困貸款出了銀行,到別家銀行做什麼用途,便
無從得知,有人就會想拿去投資或還原本比較高利率的貸款。
他說,公司戶的體質也不用特別好,只要符合規定,就會盡量被導引到紓困方案,由於現
在只是剛開始,後面不知道目標額會訂多高,所以大家能做都會盡量做。
對於很多一線人員而言,便成良心事業,一旦配業績,反正案子進來再說,賠是賠公司的
或是國家的信保基金,許多待退經理也顧不及授信品質,「反正到時都退休了」。
https://udn.com/news/story/7239/4513020
--
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