Core Viewpoint - The People's Bank of China has imposed significant fines on Beijing Bank and Huaxia Bank for multiple violations related to anti-money laundering and other regulatory issues, highlighting ongoing compliance challenges in the banking sector [1][2][3]. Group 1: Beijing Bank Penalties - Beijing Bank was fined a total of approximately 25.27 million yuan, which includes the confiscation of illegal gains amounting to 1,886.3 yuan [2]. - The violations involved nine specific areas, including breaches of account management regulations and failure to perform customer identity verification as required [2]. - Eleven responsible individuals from various departments of Beijing Bank were also penalized, with fines ranging from 10,000 to 210,000 yuan [2]. Group 2: Huaxia Bank Penalties - Huaxia Bank faced fines totaling around 13.81 million yuan, including the confiscation of illegal gains of 154,600 yuan [3]. - The bank was found to have committed ten violations, similar to those of Beijing Bank, including issues with account management and customer identity verification [3]. - Eight individuals associated with the violations were fined between 10,000 and 130,000 yuan, with some also receiving warnings [3]. Group 3: Responses and Compliance Measures - Huaxia Bank stated that the penalties were based on issues identified during a comprehensive enforcement inspection conducted by the People's Bank of China in 2022, and all identified problems have been rectified [4]. - The bank emphasized its commitment to strengthening internal control and compliance management to ensure healthy business operations moving forward [4].

Core Viewpoint - The People's Bank of China has issued significant fines to Huaxia Bank and Beijing Bank, totaling nearly 40 million yuan, highlighting deep-rooted issues in anti-money laundering, credit management, and account management within commercial banks [2][5]. Group 1: Penalties and Violations - Huaxia Bank was fined 13.655 million yuan, while Beijing Bank faced a penalty of 25.2685 million yuan, with both banks receiving warnings and having illegal gains confiscated [2][3]. - A total of 21 management personnel from both banks were held accountable, with violations spanning multiple critical departments including operations, personal business, credit card centers, and legal compliance [2][4]. - Huaxia Bank was found to have ten violations, including breaches of account management, clearing management, and anti-money laundering obligations [2][3]. Group 2: Systemic Issues and Regulatory Environment - Both banks exhibited systemic deficiencies in fulfilling core anti-money laundering obligations, particularly in customer identity verification and transaction reporting [4][6]. - The regulatory environment has intensified, with a notable increase in penalties across various banking institutions, reflecting a "zero tolerance" stance towards internal control failures and compliance deficiencies [5][6]. - The increase in penalties and the number of fines issued in 2025 compared to 2024 indicates a significant rise in regulatory scrutiny, with a 10.36% increase in the number of fines and a 49.34% increase in total penalty amounts [5]. Group 3: Structural Problems and Future Directions - The frequent violations in areas such as anti-money laundering and credit management are symptomatic of structural issues, including fragmented internal controls and outdated technological systems [6][7]. - Actions like "occupying fiscal deposits" pose direct threats to public fund safety, indicating a disregard for institutional boundaries under performance pressure [7]. - Future regulatory efforts should focus on embedding compliance into product design and operational processes, rather than solely relying on post-violation penalties [7].

11月28日，中国人民银行发布的行政处罚公示显示，北京银行因9项违法行为被中国人民银行处以警告，并没收违法所得1886.3元，罚款2526.85万元。华 夏银行因10项事由被没收违法所得15.456791万元，罚款1365.5万元。两家银行均有多名相关责任人被处以警告、罚款等行政处罚。 罚单信息显示，北京银行的违法行为类型包括：违反账户管理规定；违反收单业务管理规定；违反代收业务管理规定；违反反假货币业务管理规定；占压 财政存款或者资金；违反信用信息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定报送大额交易报告或者可疑交易报告； 与身份不明的客户进行交易。 11位相关责任人受到处罚，分别被处以1万元—21万元不等的罚款，其中还有多人受到警告。 | 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 | 决定日期 | | | | | 1. 违反账户管理规定; | | | | | | ...

记者丨唐婧 出品丨21财经客户端 21世纪经济报道 编辑丨江佩佩 见习编辑张嘉钰 21君荐读 中国人民银行11月28日公布的行政处罚信息显示，中国人民银行对华夏银行作出警告，没收违法所得 15.456791万元，罚款1365.5万元，合约1381万元。 华夏银行回应21世纪经济报道记者表示，此次处罚是基于2022年中国人民银行开展的综合执法检查发现 问题做出的。华夏银行对发现的问题高度重视，深入分析问题成因，已落实各项整改措施，所涉及问题 已全部整改完毕。华夏银行将严格落实监管要求，持续强化内控合规管理，推动业务经营健康发展。 SFC 编辑丨家俊辉 ...

记者丨 唐婧 编辑丨 家俊辉 中国人民银行11月28日公布的行政处罚信息显示，中国人民银行对华夏银行作出警告，没收违 法所得15.456791万元，罚款1365.5万元，合约1381万元。 华夏银行回应21世纪经济报道记者表示， 此次处罚是基于2022年中国人民银行开展的综合执 法检查发现问题做出的 。华夏银行对发现的问题高度重视，深入分析问题成因，已落实各项 整改措施，所涉及问题已全部整改完毕。华夏银行将严格落实监管要求，持续强化内控合规管 理，推动业务经营健康发展。 出品丨21财经客户端 21世纪经济报道 编辑丨江佩佩 见习编辑张嘉钰 飞天茅台跌至1580元，新掌门人发声 利好来了，证监会大动作，就重要新规征求意见 打击炒币，央行召开重磅会议 SFC 21君荐读 ...

Core Points - The People's Bank of China announced significant administrative penalties against Beijing Bank and Huaxia Bank for multiple violations related to account management and acquiring services, totaling nearly 40 million yuan [1] Group 1: Beijing Bank - Beijing Bank was fined a total of 25.2685 million yuan, including the confiscation of illegal gains amounting to 1,886.3 yuan, due to nine violations including account management and acquiring services [2][4] - Eleven staff members from Beijing Bank were penalized, with fines ranging from 1,000 to 210,000 yuan for various violations [4][5] - Specific violations by Beijing Bank included failure to comply with customer identity verification obligations and engaging in transactions with unidentified clients [4][6] Group 2: Huaxia Bank - Huaxia Bank faced a total penalty of 13.8096 million yuan, which included the confiscation of illegal gains of 154,567.91 yuan, due to ten violations including account management and clearing services [6][8] - Eight individuals from Huaxia Bank were fined, with penalties ranging from 10,000 to 130,000 yuan for their respective roles in the violations [8][9] - Huaxia Bank acknowledged the penalties as a result of issues identified during a comprehensive enforcement inspection conducted by the People's Bank of China in 2022, and stated that all identified issues have been rectified [9]

Group 1 - Apple Store in Beijing has officially joined the national subsidy program, offering discounts up to 2000 yuan on selected products, such as the iPhone 17 256GB, which is now priced at 5499 yuan after a 500 yuan subsidy [4] - ST Cube may face mandatory delisting due to significant violations, with reported false revenue of approximately 591.58 million yuan for 2021 and 2022, constituting 50.91% of the total reported revenue for those years [4] - WeChat's HKD wallet has launched a donation section to support fire rescue efforts in Tai Po, with no administrative fees deducted from donations, ensuring all funds go directly to charitable organizations [5] Group 2 - New regulations in Beijing require special license plates for delivery and takeaway vehicles, enhancing management of non-motorized vehicles [2] - Lei Jun, founder of Xiaomi, emphasized that all industries should leverage AI for transformation, predicting a new trillion-dollar market through deep integration of AI with traditional industries [2] - Sohu Video plans to restart its American drama procurement, citing severe piracy as a barrier for many platforms [3] Group 3 - Vanke's stock price has dropped to a nearly 10-year low, with a significant decline of 3.66% on November 28, following a downgrade in credit ratings by S&P [3] - Taobao's flash purchase service will expand the cancellation of late fees to 60 cities by December 3, aiming to improve service for delivery riders [3] - The domestic fuel surcharge for flights will increase starting December 5, with fees rising by 10 yuan for flights under 800 kilometers and 20 yuan for longer flights [7] Group 4 - Miniso's global flagship store in Shanghai has achieved sales exceeding 100 million yuan within nine months, marking a record for global stores [7] - Major tech companies are focusing on space, with Google aiming to deploy TPU in space by 2027, while Amazon's founder predicts data centers will move to space in the next 10 to 20 years [8] - A global shortage of storage chips is worsening, with predictions of a 50% price increase by mid-2026 due to rising demand from AI infrastructure [8]

Core Viewpoint - China’s central bank has imposed a fine exceeding 13.8 million yuan on Huaxia Bank due to multiple regulatory violations, highlighting ongoing scrutiny in the banking sector [1][2]. Regulatory Actions - Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations, resulting in a total fine of 13.8096 million yuan [1]. - Several responsible individuals within Huaxia Bank were also fined between 10,000 to 130,000 yuan [2]. - The penalties stemmed from issues identified during a comprehensive enforcement inspection conducted by the central bank in 2022 [2]. Financial Performance - As of the end of Q3 2025, Huaxia Bank's total assets reached 45,863.58 billion yuan, reflecting an increase of 2,098.67 billion yuan or 4.80% year-on-year [3]. - The bank reported a revenue of 648.81 billion yuan for the first three quarters, marking a decline of 8.79% compared to the previous year [3]. - The net profit attributable to shareholders was 179.82 billion yuan, down 2.86% year-on-year [3]. Asset Quality - Huaxia Bank's non-performing loan ratio stood at 1.58% at the end of Q3 2025, a slight decrease of 0.02 percentage points from the end of the previous year [3]. - The provision coverage ratio was 149.33%, which decreased by 12.56 percentage points compared to the end of the previous year [3].

Core Viewpoint - Huaxia Bank was fined a total of 13.8096 million yuan due to 10 business violations, and the bank has stated that all issues have been rectified [2][5]. Summary by Category Regulatory Actions - The People's Bank of China announced that Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations [2][3]. - The total penalty included the confiscation of illegal gains amounting to 154,567.91 yuan and a fine of 13.655 million yuan [2][3]. Violations - Specific violations included: 1. Violating account management regulations 2. Violating clearing management regulations 3. Violating acquiring business management regulations 4. Violating anti-counterfeit currency regulations 5. Violating RMB circulation management regulations 6. Violating credit information collection and management regulations 7. Failing to perform customer identity verification as required 8. Failing to retain customer identity information and transaction records as required 9. Failing to report large transactions or suspicious transactions as required 10. Conducting transactions with unidentified customers [2][3][5]. Management Response - Huaxia Bank acknowledged the penalties and emphasized that it has taken the issues seriously, conducting a thorough analysis of the causes and implementing corrective measures [5]. - The bank reported that all identified issues have been fully rectified [5]. Financial Performance - As of the end of Q3 2025, Huaxia Bank's total assets reached 45,863.58 billion yuan, an increase of 2,098.67 billion yuan or 4.80% from the previous year [6]. - The bank's operating income for the first three quarters was 648.81 billion yuan, a year-on-year decrease of 8.79%, while the net profit attributable to shareholders was 179.82 billion yuan, down 2.86% year-on-year [6]. - The non-performing loan ratio stood at 1.58%, a decrease of 0.02 percentage points from the end of the previous year, while the provision coverage ratio was 149.33%, down 12.56 percentage points [6].

Core Viewpoint - Huaxia Bank was fined a total of 13.8096 million yuan due to 10 business violations, and the bank has stated that all issues have been rectified [2][4]. Summary by Sections Penalty Details - The People's Bank of China announced that Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations. The total penalty included the confiscation of illegal gains of 154,567.91 yuan and a fine of 13.655 million yuan [2][3]. Bank's Response - Huaxia Bank acknowledged the penalties, attributing them to issues identified during a comprehensive enforcement inspection in 2022. The bank emphasized that it has taken the matter seriously and has implemented corrective measures, claiming that all issues have been resolved [4]. Previous Penalties - In September of the same year, Huaxia Bank received a significant penalty of 87.25 million yuan for mismanagement in various business areas, marking it as the second-largest penalty in the banking sector for the year [4]. Financial Performance - As of the end of Q3 2025, Huaxia Bank reported total assets of 45,863.58 billion yuan, an increase of 2,098.67 billion yuan or 4.80% from the previous year. However, the bank's operating income decreased by 8.79% year-on-year to 648.81 billion yuan, and net profit attributable to shareholders fell by 2.86% to 17.982 billion yuan [5]. Asset Quality - The non-performing loan ratio for Huaxia Bank stood at 1.58% at the end of Q3 2025, a slight decrease of 0.02 percentage points from the end of the previous year. The provision coverage ratio was reported at 149.33%, down by 12.56 percentage points from the previous year [6].