Reuters : Монголын нийт депозитын дөрөвний нэгийг хадгалж буй Голомт банкны удирдах үйл ажиллагаа хариуцлагагүй

527-1490753581f1d665_bayasaa_x9742014 оны 1 сарын 27-нд алдарт “Reuters” агентлагийн вэб сайтад нийтлэгдсэн өгүүллийг орчуулан хүргэж байна. Хэдийгээр цаг хугацааны хувьд хуучирсан мэт ч уг өгүүлэл дэхь асуудал хэрхэн шийдэгдсэн нь тодорхойгүй, мөн “Голомт” банкны удирдлагын ерөнхий хандлага, хариуцлагатай холбоотой асуудлыг хөндсөн тул ач холбогдол нь одоо ч буураагүй юм.

Монголын хамгийн том хувийн зээлдүүлэгч болох Голомт банкны компанийн засаглалын стандартад эргэлзсэний улмаас гадаадын нэгэн хөрөнгө оруулагч Голомт банктай холбоо хэлхээгээ таслах алхам хийсэн гэж энэ талаар сайн мэдэх эх сурвалжийн мэдээ болон баримтууд харуулж байна.
Эх сурвалжийн мэдээлснээс гадна гадны Ройтерс агентлагын нягталж үзсэн аудитын тайлангаас харахад, 2010 онд Голомт банкинд 25 сая доллар зээлдүүлсэн Абу Дабигийн Хөрөнгө Оруулалтын Зөвлөл (АДХЗ-ADIC)  нь Голомт банкны дотоод удирдлагын ноцтой алдааг аудиторууд илрүүлсэнээс хойш ороо бусгаа байдалтай 15 сар өнгөрсөний дараа зээлээ нэн даруй эргэн төлүүлэхийг оролдож байна.
5 жилийн хугацаатай олгосон зээлийг хугацаа дуусахаас өмнө төлүүлж болох эсэх талаар АДХЗ болон Голомтын хооронд маргаан үүсээд байгаа бөгөөд энэ асуудлыг Лондонд арбитрын хаалттай шүүхэд очсон гэж дэлгэрэнгүй мэдээлэл өгөхөөс татгалзсан эх сурвалж хэлэв.
Монголын нийт депозитын дөрөвний нэгийг хадгалж буй Голомт банкны удирдах үйл ажиллагаа алдаатай байгааг  АДХЗ шүүмжилсэн нь үнэлгээний агентлагууд болон Дэлхийн Банкнаас тус улсын банкнуудын компанийн удирдлага сул байгаа талаар зовниж сүүлийн саруудад гаргасан мэдэгдлүүдийн ач холбогдлыг улам тодруулж буй юм.
Абу Дабигийн засгийн газрын хөрөнгө оруулалтын хэрэгсэл болох АДХЗ, Голомт банк нарын хоорондын зээлийн гэрээг Монголыг болон түүний эрдэс баялгийг сонирхох гадаад сонирхол өссөн, түүнээс үүдээд банкны зээл эрчимтэй нэмэгдсэн үед анх байгуулжээ.
Голомт банк энэ талаар тайлбар өгөхөөс татгалзав.
Уул уурхай, барилгын тоног төхөөрөмж үйлдвэрлэгч, Японы Иточу корпораци (8001.T) Голомт банкийг 2007, 2008 онуудад гаргасан аккредитивүүдийнхээ дагуу 43 сая долларын төлбөр төлөх ёстой гэж 2012 онд шүүхэд өгсөнөөс эхлэн АДХЗ, Голомт банкны харилцаа муудсан.
Аккредитив нь худалдаа арилжаа хийхэд банкнаас олгодог баталгааны хэлбэр юм. Иточугийн мэдэгдсэнээр Голомт банкны үйлчлүүлэгч, алт олборлогч монгол компани болох Алтан Дорнодын Иточугаас хийх тоног төхөөрөмжийн худалдан авалтад Голомт банк баталгаа гаргаж өгсөн байна.
Иточугийн тайлбарлаж байгаа хувилбараар тоног төхөөрөмж худалдан авна гэсэн нь Японы компаниас тухайн үед Орос эзэмшигчтэй байсан уул уурхайн компани руу мөнгө гуйвуулах гэсэн Алтан дорнод болон Иточугийн худалдааны монгол менежер нарын хуйвалдааны өнгөлөн далдлалт байсан байна.
Тухайн үед уул уурхайн компанийн эзэмшигч байсан Сергей Паушок луйвар хийсэн гэж буруутгаж байгааг үгүйсгэж, харин тухайн үед Иточугийн менежер байсан этгээдтэй тайлбар авахаар холбогдохыг оролдсон ч чадаагүй.
Иточугийн нийтэд ил болгосон мэдээлэлд сэжиглэж буй луйврын талаар тойм мэдээлэл л өгсөн бөгөөд олон зүйлийн талаар нарийн мэдээлэл байхгүйн дотор худалдааны менежер энэ хэргээс ямар нэг ашиг олсон эсэх, тийм бол яг ямар ашиг байсан нь тодорхойгүй байна.
Иточу энэ талаар тайлбар өгөхөөс татгалзав.
АДХЗ хувьд Иточугийн гаргаж тавьсан луйврын хэрэг асуудлын гол нь байсангүй. Аккредитивууд гаргах үедээ Голомт банк хийсэн гээд байгаа луйврын талаар огт мэдээгүй гэж банкны удирдах зөвлөлөөс үүрэг авсан хараат бус шинжээчийн тайланд дурджээ. Тухайн үед банкны нийт хөрөнгөөс хэтэрсэн хэмжээний баталгааг Алтан Дорнодод өгөхдөө банк өөрийн удирдах зөвлөлд мэдүүлж, зөвшөөрөл аваагүй гэж эх сурвалж хэлэв.
Ийм их хэмжээний баталгааг нэг үйлчлүүлэгчийн өмнөөс хүлээх төв банкнаас тогтоосон эрсдэлийн хязгаарыг зөрчсөнөөс гадна удирдах зөвлөлд хүрэлгүй, дотоод хяналтын анхааралд өртөлгүй хэрхэн олгосон талаар банкны дотор шуугиан дэгджээ.
Дубайд төвтэй ЭфЭсАй Капитал хэмээх аудитор Голомтын удирдах зөвлөлийн өмнөөс 2012 оны сүүлээр шалгалт хийж, мөн оныхоо 12-р сард эрх мэдлийн тэнцвэртэй хуваарилалттай дотоод хяналт тавих тогтолцоог нэвтрүүлэхийг зөвлөсөн ч  АДХЗ-н үзэж байгаагаар 2013 оны 4-р сар гэхэд зөвлөгөөг хэрэгжүүлээгүй л байсан байна.
Тэр үед АДХЗ Голомт банкны удирдах зөвлөлөөс өөрийн төлөөллийг татаж авчээ.
“Голомт банкны стандартыг бидний хүрээсэй гэж зорисон түвшинд хүргэхийн төлөө удирдах зөвлөл болон менежмент бидэнтэй хамтран ажиллахыг хүсэхгүй байгаа тул бидэнд үүнээс өөр сонголт байхгүй мэт санагдаж байна” гэж  АДХЗ-н захирал Марк Кутис төв банкинд өөрийн халагдахыг хүсч, тайлбарласан захидалдаа бичжээ.
Төв банк болох Монгол банк, банкны үйл ажиллагааны хяналт хариуцсан ажилтан нар энэ талаар тайлбар өгөхөөс татгалзав.
УУЛ УУРХАЙН САЛБАРЫН ӨСӨЛТИЙН ҮЕИЙН БАНКНЫ ҮЙЛ АЖИЛЛАГАА
Аккредитууд гаргасантай холбоотой маргаан нь Голомт банкны 2012 оны тайлан хоцорч гарахад хүргэсэн бөгөөд ингэснээрээ АДХЗ хөрвөх зээлийнхээ нөхцлийг зөрчсөн гэж үзэж, зээлийг урдчилан төлөхийг шаардахад хүрсэн гэжээ. Ийнхүү тайлан хоцорсоны улмаас Муудис Голомтын талаарх зээлийн үнэлгээгээ татаж авах, мөн Стандарт энд Пүүрс үнэлгээгээ түтгэлзүүлэхэд хүргэжээ. Стандарт энд Пүүрс түтгэлзүүлсэн шалтгаанаа тайлбарлахдаа “Голомт банкны компанийн засаглалын асуудлын талаар дотоод маргаан” хэмээн иш татжээ.
Шалгалт хийх явцдаа Голомтын менежерүүдтэй ярилцлага хийсэн ЭфЭсАй Капитал-н хэлж буйгаар тухайн аккредитивүүд банкинд алдагдал хүлээлгэх эрсдэлд огт оруулаагүй гэж банкны зээлийн хороо мэдүүлсэн гэжээ. ЭфЭсАй-н тайланд Иточугийн худалдааны менежер компани нь аккредитивуудыг хэрэглэхгүй гэж Голомтод баталгаа гаргасаныг үндэслэн үнэлгээ хийсэн гэж зээлийн хорооны нэгэн гишүүн хэлсэнийг иш татсан байдаг.
Тайланг бэлтгэсэн ЭфЭсАй захирал Стефэн Прайс Иточугийн харьцангуй бага албан тушаалтай ажилтаны баталгаанд хорооны гишүүд сэрэмжтэй хандах  ёстой байсан хэмээн зээлийн  хорооны өгсөн тайлбарт эргэлзсэн байна. Худалдааны менежер нь төв удирдлагын зөвшөөрөлгүй үйлдэл хийсэн гэж Иточугийн төлөөлөгч хэлжээ.
Аккредитив гаргасны төлбөрт 1 сая доллар авахын тулд ёс зүйд нийцэх нь эргэлзээтэй үйлдэл хийж, Иточугийн менежерийн баталгааг зөвшөөрсөн гэж ЭфЭсАй-н тайлан дүгнэжээ.
“ Баримт мэдээлийг үндэслэн бодитойгоор дүгнэхэд, банк өөрөө эдгээр аккредитивийг “эрсдэлгүй” гэж үзэхээр шийдсэнийг харахад  ямар ч хөрөнгө шаардахгүй, маш бага хүчин чармайлт шаардах хэлцэл гэж үзэн 1 сая гаруй долларын төлбөр авах боломж нь зээлийн хорооны шийдвэрт нөлөөлсөн гэж дүгнэж болохоор байна” гэж тайланд өгүүлжээ.
ГАДААДЫН БУСАД ХӨРӨНГӨ ОРУУЛАГЧИД
Абу Дабигаас гадна Голомт банкинд гадаадын 3 хөрөнгө оруулагч байдаг нь 2007 онд Голомтод 10 сая доллар зээлүүлсэн  Креди Свисс, банкны хувьцааны 10 хувийг эзэмшигч Свисс-Мо Инвестмент ХХК мөн 5 хувийг эзэмшигч Нидерландын компани Трафигура нар юм.
Өнгөрсөн 9-р сард үйлдсэн эрхзүйн чанартай бичгээс харахад Креди Свисс ч мөн зээлээ эргэн төлөхийг Голомтоос хүссэн байна. Гэхдээ энэ алхам нь аккредитивүүдийн маргаантай холбоотой эсэх мөн Креди Свисс мөнгөө авсан эсэх нь тодорхойгүй байна.
Креди Свисс тайлбар өгөхөөс татгалзав.
Швейцарь санхүүч Урьс Шварценбахын удирдлагад байдаг Свисс-Мо болоод Трафигура тайлбар өгөхөөс мөн татгалзсан.
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