人気ブログランキング | 話題のタグを見る

みずほ改善計画 信頼回復への道筋が見えない

The Yomiuri Shimbun October 30, 2013
Mizuho has a tough row to hoe before it can regain public trust
みずほ改善計画 信頼回復への道筋が見えない(10月29日付・読売社説)

Mizuho Bank appears to have hastily tried to end its lending scandal with lenient punishments. Given such lax punitive steps, the megabank faces a rocky path ahead to regain public trust that was lost by extending loans to gangsters.
 甘い処分で幕引きを急いだとしか思えない。これでは、暴力団員への融資で失墜した信頼の回復に向けた道は険しい。

Mizuho should show strong determination to make a fresh start, even considering an overhaul of its management system.
 みずほ銀行は経営体制の刷新も視野に、真摯(しんし)に出直す覚悟を見せるべきだ。

In connection with Mizuho’s loans to mobsters via its affiliated credit company, Orient Corp., among other entities, the bank has submitted to the Financial Services Agency a business improvement plan incorporating internal punishments and measures to prevent a recurrence of problematic lending.
 みずほ銀が、系列信販会社のオリエントコーポレーションなどを通じ、多数の暴力団関係者に融資していた問題で、社内処分や再発防止策を盛り込んだ業務改善計画を金融庁に提出した。

Fifty-four current and former executives are subject to punishment. The penalties included dismissal of two executives in charge of compliance and pay cuts for 40 other executives. Yasuhiro Sato will remain president but have six months of his salary docked. Takashi Tsukamoto will step down as chairman of Mizuho Bank but remain as chairman of the bank’s parent, Mizuho Financial Group.
 社内処分はOBを含む54人が対象だ。法令順守担当の役員2人を更迭し、他の役員も報酬を一部カットする。佐藤康博頭取は半年間の無報酬で、頭取を続投する。塚本隆史会長は辞任するが、兼任の持ち株会社会長は留任する。

Former bank President Satoru Nishibori and 11 other former executives will be asked to return executive compensation.
 西堀利・元頭取らには、過去の役員報酬の返納を求める。

The announced punishments are far from adequate as the current management will remain in place. Sato said at a news conference: “It’s extremely regrettable. We’ll deeply reflect on it.” But we cannot help but wonder whether he seriously considers his responsibility over such irregularities.
 問題を放置した経営陣を温存する中途半端な内容だ。佐藤頭取は記者会見で「まさに痛恨の極み。深く反省している」と述べたが、不祥事の責任を重く受け止めているのか、疑われても仕方ない。

A third-party committee established to investigate the Mizuho scandal criticized the bank by saying in a report, “The bank lacked awareness as an organization of the importance of tackling the task of cutting off relations with antisocial groups.”
 みずほ銀が調査のために設けた第三者委員会は、報告書で「反社会的勢力との関係遮断に組織として取り組む重要性について、認識が不足していた」と批判した。

The committee has also pointed out that the contracts on which loans were extended to mobsters failed to include a clause that excluded loans to organized crime syndicates. The bank’s response to the scandal was far too lenient.
 暴力団融資の温床となったローンの契約に、暴力団排除の条項を追加していない点も指摘した。事後対応は、あまりに手ぬるい。

The committee, consisting of three lawyers, investigated the case for only about 20 days. Some people are doubtful whether the panel spent sufficient time trying to learn the truth.
 第三者委は弁護士3人の体制で調査期間もわずか約20日だった。どこまで真相に迫れたのか、疑問視する声もある。

Correct corporate culture

It was natural that Mizuho’s business improvement plan included establishment of a special section on the elimination of organized crime groups and introduction of board directors from outside. Efforts must be made thoroughly to prevent a recurrence of similar scandals.
 改善計画でみずほ銀が、暴力団排除の専門部署や社外取締役の導入を掲げたのは当然だ。再発防止を徹底しなければならない。

Most imperative of all is to fundamentally rectify the bank’s corporate culture that has led to repeated irregularities since it was established in 2002 through the merger of Dai-Ichi Kangyo Bank, Fuji Bank and the Industrial Bank of Japan.
 最も重要なのは、第一勧業、富士、日本興業の3行統合で発足して以来、不祥事を繰り返した企業風土を根底から正すことだ。

The turf-consciousness displayed by executives for the banks they hailed from led to a serious lack of corporate governance. This could be a factor behind the bank’s failure to deal with the loan scandal swiftly.
 旧3行の縄張り意識によるガバナンス(企業統治)の欠如は深刻である。暴力団融資に迅速に対処できない一因ともなった。

There are views within Mizuho calling for the current top management to be maintained to avoid a confrontation by elements in the three former banks over the selection of their successors. Such an inward-looking attitude will not lead to establishing “one Mizuho.”
 みずほ内には、後任を巡る旧3行の対立を避けるため、トップの続投を願う声もあるという。そんな内向きの発想で、本物の「ワンみずほ」は実現しないだろう。

In its on-site investigation of the bank, the FSA accepted at face value the bank’s explanation, that “the top management did not know about [the loans to mobsters],” thereby overlooking what actually happened. Was there any malicious attempt to prevent an additional probe? The FSA should investigate the scandal again and much more strictly.
 金融庁は立ち入り検査で「経営トップは知らなかった」とする誤った説明をうのみにし、実態を見過ごした。本当に悪質な検査逃れはなかったのか。金融庁は改めて厳しく調べるべきである。

If Mizuho’s business improvement plan is found to be flawed, the financial watchdog should consider additional administrative punishments.
 みずほの改善計画に不備があれば、金融庁は追加の行政処分を検討することが求められよう。

(From The Yomiuri Shimbun, Oct. 29, 2013)
(2013年10月29日02時05分 読売新聞)
by kiyoshimat | 2013-10-31 06:32 | 英字新聞

英字新聞の学習サイト


by kiyoshimat