追梦赤子心

二 | 银行方面坚称系“外部人员诈骗”所致，但亦有指责认为，银行松懈的内控体系助长了损失规模。

三 | 韩国国会政务委员会所属议员申东旭24日从金融监督院和银行方面取得的资料显示，IBK中国分行法人沈钟勋（SIM JONG HOON）与非银行金融机构A公司签署协议，向借款人发放非面对面贷款。    New Delhi, Oct 13 (UNI) Congress leader Shashi Tharoor on Thursday said there were systematic flaws in the Congress presidential election process, even as he clarified he was not suggesting it was intentional.

The Thiruvananthapuram MP also indicated at differential treatment between him and Mallikarjun Kharge, who is being seen as the choice or the party leadership. Congress has maintained the party is not backing any candidate officially.

Addressing a press conference here, Tharoor said while he is not pointing fingers at Central Election Authority Chairman Madhusudan Mistry, there are flaws in the system.

"I am not saying anything against Mr. Mistry, there are some flaws in the systems which we all know. There have not been elections for 22 years..." said Tharoor.

He said there were discrepancies in the lists of voters provided.

"One list was given earlier, another list was given on Wednesday.... Some names were different in the lists, for some names, there was no phone number," he said.

"I am not saying it's being done intentionally. There have not been elections in our party for a long time. So there are issues. I know Mr. Mistry and his team are trying to hold free and fair elections. We are not complaining against them but there ar problems with the system," he said.

"That is why I used open mediums to take my message across. I am not sure I will be able to reach everyone before 17th."

He also pointed at differential treatment to candidates.

"Another issue is what some leaders did, that is why I said there is no level playing field. At a lot of places, big leaders, PCC chiefs welcome Kharge ji, call people for meetings. This happened for only one candidate, not for me," he said.

"Many times when I went to some PCC, the PCC chief became busy on the day...I am not complaining, but do you not see a difference in treatment?"

Election will be held on October 17, counting will be held on October 19 and results will be declared.

UNI AO BAV。根据协议，A公司委托线上贷款平台B公司负责借款人招募及本息回收等具体操作；贷款资金由企业银行提供，借款人偿还的本息则先归集至B公司指定账户，再由企业银行定期结算划转。

四 | 然而，B公司在运营过程中擅自变更还款路径，将本应转入企业银行的借款人还款资金挪作他用，并伪造电子交易数据，制造还款正常的假象。由于资金被截留，借款人被系统标记为逾期，信用记录受损，企业银行亦未能如期收回贷款本息。银行方面在回应议员室质询时表示，他们每天都在核对本息偿还明细与实际入账金额。

五 | 然而，银行方面又称，实际是在今年6月24日因结算款未到账且借款人投诉增多后才首次意识到问题，这一说法前后矛盾，令其内控的有效性备受质疑。值得注意的是，早在今年3至4月间，已有5家中国金融机构先后中止了与B公司的业务合作，但企业银行未能及时捕捉这些风险信号，错失了早期预警时机。申东旭还指出，韩国监管当局的应对也颇为消极。

六 | 据报道，韩国金融监督院在接到事故报告后，仅进行了内部报告、传播事故案例、确认事故金额变动等工作，并未对企业银行相关人员进行面对面确认、要求补充提交资料，或启动书面调查和现场检查。金融监督院表示，计划在损失金额补偿等事故处理结束后，待企业银行提交结案报告时，再对事故处理的妥当性进行检查。申东旭表示：“企业银行一边直接发放贷款，一边却将本息回收交给外部平台，等到800亿韩元级事故爆发后才建立直接还款系统。除了法人内控松懈，金融监督院只会等待结案报告，其事后监管也是严重的问题。”IBK企业银行已于上月15日正式对外披露此次金融事故，初步估算涉案规模为833.76亿韩元。截至目前，银行尚未公布最终的涉案总额、已追回款项及预期损失等具体数据，相关核算工作仍在进行中。