美国制裁4家柬埔寨银行 银行业声誉承压引信心担忧
分类金融
地点金边
来源CIR（Cambodia Investment Review）
发布时间2026/11/02 07:53
详情描述
柬埔寨投资评论（CIR）刊发署名Raymond Sia的评论文章，围绕美国财政部海外资产控制办公室（OFAC）近期对4家柬埔寨银行实施制裁一事展开讨论。文章给出的关键数字是：受影响的银行及金融机构合计资产占整个银行体系资产不足3%，银行体系资本充足，仍符合各项审慎监管比率。
作者同时提醒，规模小不等于影响小。这类事件在公众观感上并不好看，会给客户和公众造成错误印象，而印象直接塑造客户信心，信心又决定存款与资金流向。文章提到，近期柬埔寨银行业受到更多审视：除被制裁的4家银行外，还有1家银行处于外部管理人接管状态，另1家银行的流动性状况正被密切监测。作者认为，监管机构在说明相关银行关闭原因、向公众保证行业健康方面做得及时到位。
但作者强调，链条往往从最薄弱的环节断开。他指出，包括银行业在内的任何生意都没有保证成功的特殊剧本或配方；以他三十余年银行从业经验观察，某些核心价值观与关键成功要素若能被整体落实，成功的概率会更高。文章由此提出，银行业应回归核心价值，并以“十条准则”规范治理与风控。
这篇评论并未逐一点名被制裁的4家银行，具体名单可查阅OFAC官方制裁清单；涉及个人账户的存取与跨境结算操作，应以各银行自身公告为准。
📋 简要摘要 ▸
柬埔寨投资评论（CIR）刊发署名Raymond Sia的评论文章，围绕近期美国财政部对4家柬埔寨银行实施制裁一事展开。作者指出，受影响机构合计资产占整个银行体系不足3%，银行体系资本充足率与审慎监管指标仍达标，但事件在公众观感与客户信心层面造成负面印象，而信心直接决定存款与资金流向。文章提出银行业应回归核心价值与关键成功要素，以十条准则规范治理与风控。
📋 完整原文 ▸
[来源: CIR] [分类提示: NEWS]
标题: Opinion: Ten Commandments in Banking
By Raymond Sia
While the affected banks / financial institutions mentioned above constitute a small percentage (less than 3%) of the entire banking system asset base and the banking system continues to be well capitalized and in compliance with prudential ratios, such events are still not good optics and creates the wrong perception to the customers and public. Perception shapes customer confidence.
In recent times, there have been more scrutiny on the banking industry in Cambodia. Four banks have been sanctioned by the U.S. Treasury / Office of Foreign Assets Control (OFAC) and they comprise the five bank that are liquidated. We currently have another bank that is under external administrator and another bank that is being closely monitored on their liquidity situation.
The Regulators have done a good job in being forefront on the rationale behind these closures; and reassuring the public on the health of the banking industry.
With all the good works done and (also) good intentions, we have to still be mindful that it is often the weakest link that breaks the chain.
In any business; including banking, there is no “special playbook or recipe” that guarantees us success. However, as a banker for over three decades I have observed that there are certain essential / core values and key success factors which when applied collectively; there is a higher probability of success and of us thriving (rather than striving).
“Ten Commandments