纪检监察机关查询存款的实践难题及解决路径

Problems and Solutions of Deposits Query by Discipline Inspection and Supervision Organs

纪检监察机关查询存款具有时效性、连续性、关联性和保密性。纪检监察机关在实际查询中遇到诸多困难,主要是:纪检机关不能以自己名义查询,查询境外存款缺乏具体制度安排,查询存款的时间滞后,金融机构协助查询部门不统一,个别金融机构拖延反馈查询结果,人民银行的协助查询义务不明确,被调查对象有意规避银行查询等。解决纪检监察机关查询存款难题,需要适当扩大查询权限,细化明确金融机构的协助义务,探索建立网络快速查询机制,逐步完善金融账户实名制,建立查询被调查对象开户银行机制,强化对查询存款信息的安全保障。

Querying d eposits by discipline inspection and supervision organs is time-sensitive, and is conducted？in a continuous, relevant and confidential manner. In the actual query, discipline inspection and supervision organs encounter many difficulties, mainly including the following aspects： discipline inspection organs cannot query deposits under their own name;more specific institutional arrangements are needed when querying offshore deposits; time lag exists in the process of querying deposits; financial institutions do not have a unified department to assist the query; a few financial institutions delay the feedback of query results; the obligation of the people’s bank to assist in querying is not explicit; and respondents deliberately avoid bank query, etc. To solve the problems existing in the conduct of deposits query by discipline inspection and supervision organs, there is a need to expand the query access appropriately, specify and define the assistance obligations of financial institutions, explore a quick network query mechanism, improve the real-name financial account system gradually, establish query mechanism of opening bank, and strengthen the security for information query.