Pathfinder Province Associated News Today : Breaking News, Live Updates & Top Stories | Vimarsana

　　据了解，截至目前，北京、上海、天津、重庆、安徽、湖北、江苏、山东、江西、湖南、广东、青海等12个省份的农信社已全部改制成为农商行。
　　但改制而成的农商行良莠不齐，公司治理层面仍存在“穿新鞋，走老路”的问题。今年3月，银保监会通报“农村中小银行股东股权三年排查整治行动”结果，累计发现问题1.99万个，主要集中在股东资质不合格、入股资金来源不合规、超额持有股权、违规开展关联交易、股权质押不受约束五个方面。
　　银保监会列举的违规行为大部分都指向内控失灵，如某农信社改制组建农商行时，第一大股东在审计报告中虚增收入8000余万元，将实际经营亏损篡改为盈利，隐瞒真实资质；或某农商行未履行关联交易审查程序，其股东及多家关联公司以“化整为零”方式从该行获取数十笔贷款，总额占� ....

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