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索引号: 733031381/201810-00703
组配分类: 审计结果
发布机构: 亳州市政府办公室
生成日期: 2018-10-12
发布文号:
关键词: 政策措施情况跟踪  审计报告  
有效性: 有效
信息来源: 市审计局
主题导航:
信息名称: 亳州市2018年三季度贯彻落实稳增长等政策措施情况跟踪审计报告
内容概述: 亳州市2018年三季度贯彻落实稳增长等政策措施情况跟踪审计报告
亳州市2018年三季度贯彻落实稳增长等政策措施情况跟踪审计报告

亳州市人民政府:

根据《中华人民共和国审计法》、《国务院关于加强审计工作的意见》和《安徽省人民政府关于加强审计工作的意见》,我局派出审计组,对亳州市截至2018年三季度贯彻落实国家重大政策措施和宏观调控部署情况进行了跟踪审计。本次重点审计了亳州市(县、区)两项政策措施的落实情况,具体包括政策性融资担保机构政策执行及经营管理情况和大气、水、土壤污染防治情况。抽查了4个县区、16个政府部门、3个项目,涉及财政资金12,1854.4万元。

一、跟踪审计发现的主要问题

(一)政策性融资担保机构政策执行及经营管理情况。

  1. 存在给非农户个人办理“4321政银担”比例再担保政策贷款情况。

如:亳州市融资担保有限公司为亳州市龙延商贸有限公司法人郭某某在徽商银行贷款提供担保,为安徽德昌药业股份有限公司创始人葛某某在邮储银行、药都银行贷款提供担保,并纳入“4321政银担”业务。

上述问题产生的主要原因是亳州市融资担保有限公司未严格按照《安徽省政策性融资担保风险分担和代偿补偿试点方案》(财金〔2014〕1980号)文件规定为非融资服务类小微企业和农户融资担保业务提供风险补偿。

责任主体:亳州市融资担保有限公司

审计建议:严格按照《安徽省政策性融资担保风险分担和代偿补偿试点方案》(财金〔2014〕1980号)文件规定为非融资服务类小微企业和农户融资担保业务提供风险补偿。

  1. 为不符合支持对象的单位融资担保900万元。

审计调查发现,2015年蒙城县振兴融资担保有限公司收回为公益性事业单位蒙城第一中学提供的担保贷款900万元,担保业务不符合支持对象和使用条件范围。

上述问题产生的主要原因是业务开展存在行政干预现象,没有完全推向市场化。

责任主体:蒙城县振兴融资担保有限公司。

审计建议:应按照公司法相关规定开展融资担保业务,促进蒙城县相关企业经济有序健康发展。

  1. 担保代偿率过高,制约担保企业发展。

2018年1-8月,利辛县信宜达融资担保有限公司累计发生代偿金额4,539万元,累计解除担保责任金额51,980万元,担保代偿率8.73%。

上述问题产生的主要原因是代偿率过高,且代偿多、清收难度大。

责任主体:利辛县信宜达融资担保有限公司。

审计建议:大量代偿资金的存在将严重削弱了担保公司的担保能力,制约着担保规模的进一步扩大。责令信宜达担保公司立即整改。

  1. 安徽涡阳农村商业银行股份有限公司多划转涡阳县兴阳融资担保有限公司代偿资金84.54万元。

2018年涡阳农商行与兴阳融资担保公司政银担合作业务中,有13笔资金代偿本金总额共1,679万元,代偿利息总额共88.70万元,根据财金〔2014〕1980号文件和小微企业比例再担保合作协议规定, 安徽涡阳农村商业银行股份有限公司需承担代偿资金比例为20% ,即涡阳农商行应承担本金部分为335.8万元, 应承担利息部分17.74万元, 涡阳农商行实际承担代偿资金本金269万元,剩余84.54万元未按规定执行,多扣划兴阳融资担保有限公司84.54万元。

上述问题产生的主要原因是涡阳农商行未严格按照《安徽省政策性融资担保风险分担和代偿补偿试点方案》(财金〔2014〕1980号)文件规定按比例承担代偿资金。

责任主体:安徽涡阳农村商业银行股份有限公司。

审计建议:建议涡阳农商行未严格按照《安徽省政策性融资担保风险分担和代偿补偿试点方案》(财金〔2014〕1980号)文件规定按比例承担代偿资金,及时归还兴阳融资担保公司多划转代偿资金,及时传递相关手续,确保“4321”政银担业务顺利开展。

(二)大气、水、土壤污染防治情况

  1. 水污染防治资金拨付缓慢                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

水污染防治资金拨付缓慢,资金尚未拨付。2018年谯城区环保局年初预算水污染防治资金100万元。截至审计日,此项资金尚未支出。

上述问题产生的主要原因是工程未完工,未进行验收,资金暂未拨付。

责任主体:谯城区环保局

审计建议:谯城区环保局应督促项目工程尽快完成建设,加快资金拨付进度。

三、审计建议和意见

(一)金融办作为金融企业的监管机构,应加强对农商行、小贷公司、担保公司等金融企业的风险监测和预警,持续跟踪、监测、分析其风险情况,定期或不定期开展防范金融风险检查,对可能发生的金融风险情况及时预警,做到早发现、早报告、早处置。

(二)金融企业应加强内部控制建设,尤其是对金融风险的控制,进一步做到严格把控增量风险,加强授信风险审查,有效甄别高风险客户,防范多头授信、过度授信、给“僵尸企业”授信、给“空壳企业”授信;加大对不良资产处置的支持力度,加强与司法机关的沟通协调,通过法律手段做好债权维护。

(三)金融企业应进一步加快贷款业务转型,压缩存量大额企业贷款。对于正常结息的贷款,采取还本续贷的方式,降低或维持企业授信额度,逐步压缩存量企业贷款。优化贷款结构,从主要投向大额企业贷款,向小微企业、个体工商户、农户等转变,从大额风险集中向小额分散的结构转换。

(四)环保局督促项目工程尽快完成建设,加快资金拨付进度,做好水污染防治工作。

四、以前阶段跟踪审计反映问题的整改情况

亳州市政府高度重视跟踪审计发现的问题,截至2018年9月底,以前反映的已经到达整改期限的问题已全部整改完成。

对本报告指出的问题,请相关单位自收到本报告之日起60日内组织整改完毕,并将整改结果书面反馈亳州市政府督查室和亳州市审计局。

 

 

2018年10月11日