【导读】建行、浦发银行收到央行大罚单！两家合计罚没超8000万元 大家好，关注一下2月14日，央行对建设银行、浦发银行开出的大罚单。 建设银行被罚没超4350万元 2月14日，据央行官网公布的行政处罚公示显示，因10项违法行为，建设银行被央行警告，没收违法所得55.097567万元，罚款4295.51万元，合计罚没 4350.607567万元。 建设银行的10项违法行为类型包括： 1.违反账户管理规定； 9.未按规定报送大额交易报告或者可疑交易报告； 2.违反特约商户管理规定； 3.违反人民币流通管理规定； 4.违反反假货币业务管理规定； 5.占压财政存款或资金； 6.违反信用信息采集、提供、查询及相关管理规定； 7.未按规定履行客户身份识别义务； 8.未按规定保存客户身份资料和交易记录； 10.与身份不明的客户进行交易。 | 序号 当事人名称 | | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 | ...

2．违反特约商户管理规定； 【导读】建行、浦发银行收到央行大罚单！两家合计罚没超8000万元 中国基金报记者 泰勒 大家好，关注一下2月14日，央行对建设银行、浦发银行开出的大罚单。 建设银行被罚没超4350万元 2月14日，据央行官网公布的行政处罚公示显示，因10项违法行为，建设银行被央行警告，没收违法所 得55.097567万元，罚款4295.51万元，合计罚没4350.607567万元。 建设银行的10项违法行为类型包括： 1．违反账户管理规定； 3．违反人民币流通管理规定； 4．违反反假货币业务管理规定； 5．占压财政存款或资金； 6．违反信用信息采集、提供、查询及相关管理规定； 7．未按规定履行客户身份识别义务； 8．未按规定保存客户身份资料和交易记录； 9．未按规定报送大额交易报告或者可疑交易报告； 10．与身份不明的客户进行交易。 | 序号 当事人名称 | | 行政处罚 | 进法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | ...

Core Viewpoint - The Shenzhen Branch of China Construction Bank (CCB) is actively participating in the 2026 Shenzhen Spring Flower Market by providing financial services and various consumer discounts, enhancing the festive atmosphere and supporting local consumption [2][4]. Group 1: Consumer Discounts and Promotions - CCB is offering a "50 yuan off 6 yuan" discount for credit card holders, which is designed to align with the typical price range of festive flowers, making it easier for families to budget for their purchases [3][5]. - The bank has invested 2 million yuan in digital RMB subsidies and 500,000 yuan in WeChat discounts, creating a comprehensive discount matrix to encourage consumer spending [5][6]. Group 2: Community Engagement and Support for Merchants - CCB is not only providing consumer discounts but also supporting small and medium-sized flower vendors through a "chain service model," offering payment solutions, business loans, and marketing support [7]. - The bank's initiatives aim to convert seasonal traffic into sustained customer engagement for merchants, thereby benefiting both consumers and local businesses [7][8]. Group 3: Broader Economic Impact - CCB's efforts are part of a larger strategy to stimulate consumption and improve the quality of life for residents in Shenzhen, reflecting the bank's commitment to integrating its growth with the city's development [8].

Group 1 - China Construction Bank and Shanghai Pudong Development Bank were fined a total of 86.0104 million yuan for multiple violations [1][2] - China Construction Bank was penalized for violations including account management, merchant management, currency circulation, anti-counterfeit currency regulations, and customer identity verification, resulting in a total fine of 43.50607567 million yuan [1] - Shanghai Pudong Development Bank faced similar violations, leading to a total fine of 42.2289 million yuan [2] Group 2 - China Construction Bank had 21 responsible individuals fined a total of 1.205 million yuan [1] - Shanghai Pudong Development Bank had 9 responsible individuals fined a total of 0.755 million yuan [2]

编辑｜刘巷 记者｜江佩霞 见习记者林芊蔚 2月14日晚，中国人民银行公布行政处罚公示，建设银行、浦发银行因违规被罚没超4000万 元。 建设银行被罚没超4 3 5 0万元 中国人民银行2月14日公布的行政处罚公示显示， 中国建设银行因违反账户管理规定等10项违 法 行 为 类 型 ， 被 警 告 ， 没 收 违 法 所 得 55.097567 万 元 ， 罚 款 4295.51 万 元 ， 合 计 罚 没 4350.607567万元。 建设银行的10项违法行为类型包括：1.违反账户管理规定；2.违反特约商户管理规定；3.违反 人民币流通管理规定；4.违反反假货币业务管理规定；5.占压财政存款或资金；6.违反信用信 息采集、提供、查询及相关管理规定；7.未按规定履行客户身份识别义务；8.未按规定保存客 户身份资料和交易记录；9.未按规定报送大额交易报告或者可疑交易报告；10.与身份不明的客 户进行交易。 同时，21人因对建行违法行为负有责任，收到央行罚单。 李某（中国建设银行股份有限公司个人金融部）、房某明（中国建设银行股份有限公司结算与 现金管理部)、卢某彬（中国建设银行股份有限公司结算与现金管理部）、肖某（ ...

Group 1 - The People's Bank of China has issued a public administrative penalty against China Construction Bank for violating account management regulations and other infractions [2] - China Construction Bank was warned and had a total of 43.5060757 million yuan confiscated, which includes 5.5097567 million yuan of illegal gains and a fine of 42.9551 million yuan [2] - The bank's violations include ten types, such as failing to comply with account management regulations, merchant management regulations, and currency circulation management regulations [2]

Group 1 - The People's Bank of China announced administrative penalties against China Construction Bank for violating account management regulations and other ten types of illegal activities [1] - China Construction Bank was warned and had illegal gains of 550,975.67 yuan confiscated, along with a fine of 42,955,100 yuan, totaling 43,506,075.67 yuan in penalties [1]

Core Viewpoint - The People's Bank of China has disclosed administrative penalties against China Construction Bank for various violations, resulting in a total fine and confiscation amounting to approximately 43.51 million yuan [1]. Summary by Category Violations and Penalties - China Construction Bank was penalized for multiple violations, including account management, merchant management, and anti-counterfeiting regulations, leading to a total penalty of 43.51 million yuan, which includes confiscation of illegal gains of 0.55 million yuan and a fine of 42.96 million yuan [1][12]. - A total of 21 individuals were held responsible for various violations, collectively fined 1.205 million yuan [4][13]. Specific Violations - The violations include: 1. Breaching account management regulations 2. Violating special merchant management regulations 3. Breaching currency circulation management regulations 4. Violating anti-counterfeiting business management regulations 5. Misappropriating fiscal deposits or funds 6. Violating credit information collection, provision, inquiry, and related management regulations 7. Failing to fulfill customer identity verification obligations 8. Failing to retain customer identity data and transaction records 9. Not reporting large transactions or suspicious transaction reports as required 10. Engaging in transactions with unidentified customers [6][12]. Responsible Individuals - Specific individuals from various departments within China Construction Bank were identified for their roles in the violations, including: - Li from the Personal Finance Department for account management violations - Han from the Credit Card Center and Wang from the Online Finance Department for special merchant management violations - Liao from the Beijing Branch for anti-counterfeiting violations - Others from different departments for failing to meet customer identity verification and reporting obligations [2][11].

Core Viewpoint - The China Construction Bank's Hebei Xiong'an Branch has been penalized for violations related to payment settlement, anti-money laundering, and financial statistical management, resulting in a warning and a fine of 683,000 yuan [1][3]. Group 1 - The administrative penalty was issued by the People's Bank of China, Xiong'an New Area Branch [1][4]. - The fine imposed on the bank amounts to 683,000 yuan [1][2]. - The violations include breaches of payment settlement regulations, anti-money laundering laws, and financial statistical management rules [1][3].

Core Viewpoint - The China Construction Bank's Binzhou branch has been penalized for multiple regulatory violations, including financial statistics management and customer due diligence, resulting in a fine of 632,900 yuan and the confiscation of illegal gains amounting to 387.33 yuan [1][2][3]. Summary by Category Regulatory Violations - The bank violated financial statistics management regulations [1][2]. - The bank breached account management regulations [1][2]. - The bank did not comply with RMB circulation management regulations [1][2]. - The bank was found to be withholding fiscal funds [1][2]. - The bank violated credit management regulations [1][2]. - The bank failed to conduct customer due diligence as required [1][2]. Penalties Imposed - The bank received a warning and was fined 632,900 yuan [1][2]. - The bank had illegal gains of 387.33 yuan confiscated [1][2]. - The administrative penalty was issued by the People's Bank of China, Binzhou branch, on February 5, 2026 [1][2].