| 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | 름 | | | | 定机关 | | | 中国邮政储蓄银 | 相关贷款业务、互联网贷 | 对中国邮政储蓄银行 股份有限公司罚没合 | 金融监管 总局 | | 1 | 行股份有限公司 | 款业务、绩效考核、合作 | 计2791.67万元。 | | | | 及相关责任人员 | 业务等管理不审慎 | 对黄文贤给予警告并 | | | | | | 罚款5万元。 | | | 2 | 中信百信银行股 份有限公司及相 | 相关互联网贷款等业务管 | 对中信百信银行股份 1120万元。 | 金融监管 | | | | | 有限公司罚款合计 | | | | | 理不审慎、监管数据报送 | 对于晓红取消高级管 | 总局 | | | 关责任人员 | 不合规等 | 理人员任职资格5 | | | | | | 年,对朱祎敏给予警 | | | | | | 告。 | | 9月30日，国家金融监督管理总局公布对邮储银行与百信银行的处罚信息。 图片来源：国家金融监督管理总局官网 两家银行回应 其中，邮储银 ...

Core Viewpoint - Postal Savings Bank of China was fined approximately 27.92 million yuan due to management issues related to loan businesses and performance assessments, highlighting regulatory scrutiny in the banking sector [1] Regulatory Actions - The financial regulatory authority disclosed that Postal Savings Bank faced penalties for imprudent management in various areas including loan operations and internet lending [1] - A related individual was also warned and fined 50,000 yuan as part of the enforcement actions [1] Company Response - Postal Savings Bank acknowledged the regulatory findings and emphasized its commitment to compliance and high-quality development [1] - The bank plans to implement corrective measures in response to the regulatory feedback, focusing on improving governance and internal control systems [1] - The bank aims to enhance its service to the real economy and provide quality financial services to customers [1]

Group 1 - The National Financial Regulatory Administration imposed fines totaling nearly 40 million yuan on Postal Savings Bank and Baixin Bank due to issues related to internet loan operations [1][2] - Postal Savings Bank was fined 27.9167 million yuan for various violations including mismanagement of loan operations and internet loan business [1] - Baixin Bank was fined 11.2 million yuan for imprudent management of internet loans and non-compliance in regulatory data reporting [2] Group 2 - Postal Savings Bank acknowledged the regulatory findings and emphasized its commitment to compliance and high-quality development in response to the penalties [1] - Baixin Bank stated that the penalties stemmed from supervisory checks conducted in 2023, covering business activities from January 1, 2021, to June 30, 2023 [2] - Beijing Bank was fined 5.3 million yuan for multiple violations including inaccurate loan risk classification and inadequate provisions for financial investments [2]

登录新浪财经APP 搜索【信披】查看更多考评等级 （来源：POS圈支付网） 邮储银行罚没2791万 | 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | 릉 | | | | 定机关 | | 1 | | | 对中国邮政储蓄银行 | 金融监管 | | | 中国邮政储蓄银 | 相关贷款业务、互联网贷 | 股份有限公司罚没合 | | | | 行股份有限公司 | 款业务、绩效考核、合作 | 计2791.67万元。 | | | | 及相关责任人员 | 业务等管理不审慎 | 对黄文贤给予警告并 | 总局 | | | | | 罚款5万元。 | | 罚单显示，中国邮政储蓄银行的主要违法违规事实（案由）为：相关贷款业务、互联网贷款业务、绩效 考核、合作业务等管理不审慎。 同日，邮储银行在其官网发布了"关于行政处罚事项的临时信息披露报告"，对此次处罚进行了回应，邮 储银行称，对于上述处罚涉及问题，本行已全面开展整改，同时严格对标监管要求，进一步加强合规风 险管控，持续推进高质量发展，提升金融服务水平。 中信百信银行罚没1120万 | | ...

Group 1 - The National Financial Regulatory Administration and its Beijing branch announced administrative penalties totaling 46.4267 million yuan for five banks [1] - Postal Savings Bank and Citic Baixin Bank were fined a combined total of 39.1167 million yuan, with Postal Savings Bank facing penalties of 27.9167 million yuan for various management violations [1] - Citic Baixin Bank was fined 11.2 million yuan for issues related to internet loan management and non-compliance in regulatory data reporting [1] Group 2 - Beijing Bank was fined 5.3 million yuan for multiple violations, including inaccurate loan risk classification and inadequate impairment provisions for financial investments [2] - Ping An Bank's Beijing branch was fined 2 million yuan for using improper means to attract deposits, with a related individual banned for life from the banking industry [2] - Industrial and Commercial Bank of China’s Beijing Mudanyuan branch received a warning and a fine of 10,000 yuan for damaging its financial license [2]

来源：新浪基金∞工作室 9月30日，邮储银行跌1.37%，截至发稿，报5.75元/股，成交6.97亿元，换手率0.18%，总市值6905.47亿 元。邮储银行股价已经连续4天下跌，区间累计跌幅5.12%。 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、投资、同业融资及票据贴现。资金业务还包括资产管理。 主营业务收入构成为：个人银行业务69.57%，公司银行业务19.70%，资金业务10.65%，其他业务 0.07%。 从基金十大重仓股角度 数据显示，南方 ...

Group 1 - China Postal Savings Bank is actively innovating financial service models in Jiangmen, Guangdong, to support local "specialized, refined, unique, and innovative" and high-tech enterprises through innovative products, rapid loan disbursement, and accompanying services [1] - The bank has introduced "Science and Technology Innovation Loans" based on intangible assets, breaking traditional collateral limitations, which allows for a more flexible financing structure for technology-driven companies [2] - The "Science and Technology Innovation Loans" are specifically aimed at supporting research and development investments and equipment upgrades for companies like Hongxing Aluminum, which expects an output value of 320 million yuan this year [2] Group 2 - The bank's rapid response is exemplified by the case of Guangdong Wanjiahong Stainless Steel Products Co., which received a 5 million yuan loan within 72 hours to address a short-term funding gap due to a surge in orders [3][4] - The "Cluster E-Loan" product utilizes industry-wide data to create risk control models, enabling standardized online loan services for entire industrial clusters, thus improving efficiency and reducing processing time [3][4] - The bank emphasizes a partnership model with local enterprises, providing customized, long-term services that adapt to the specific needs of companies like Lifen Electric, which has benefited from tailored financial solutions [6][7] Group 3 - The bank collaborates with government departments, guarantee institutions, and industrial parks to create a multi-party financial service mechanism, enhancing support for "specialized, refined, unique, and innovative" enterprises [7] - The bank's initiatives, such as using intellectual property pledges to solve financing difficulties for aluminum companies and providing rapid funding solutions for stainless steel enterprises, contribute significantly to the industrial revitalization efforts in Jiangmen [7]

来源：新浪基金∞工作室 光大保德信欣鑫混合A（001903）基金经理为陈栋。 截至发稿，陈栋累计任职时间10年173天，现任基金资产总规模1.93亿元，任职期间最佳基金回报 97.14%， 任职期间最差基金回报2.99%。 风险提示：市场有风险，投资需谨慎。本文为AI大模型自动发布，任何在本文出现的信息（包括但不 限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，不构成个人投资建 议。 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、 ...

Core Viewpoint - Postal Savings Bank of China has experienced a decline in stock price, with a cumulative drop of 5.12% over the past four days, closing at 5.75 CNY per share on September 30, 2023, with a total market capitalization of approximately 690.55 billion CNY [1] Company Overview - Postal Savings Bank of China, established on March 6, 2007, and listed on December 10, 2019, is headquartered in Beijing, China. The bank provides a range of banking and financial services, primarily through personal banking, corporate banking, and funding operations [1] - The revenue composition of the bank is as follows: personal banking accounts for 69.57%, corporate banking for 19.70%, funding operations for 10.65%, and other services for 0.07% [1] Shareholder Insights - E Fund's Hu Shen 300 ETF (510310) is among the top ten circulating shareholders of Postal Savings Bank, having increased its holdings by 13.21 million shares in Q2, totaling 140 million shares, which represents 0.16% of the circulating shares. The fund has incurred a floating loss of approximately 11.23 million CNY today and 43.51 million CNY over the past four days [2] - The fund has a total asset size of 266.52 billion CNY, with a year-to-date return of 20.05% and a one-year return of 27.83% [2] Fund Management - The fund managers of E Fund's Hu Shen 300 ETF are Yu Haiyan and Pang Yaping, with total assets under management of 385.76 billion CNY and 314.87 billion CNY, respectively. Yu has a tenure of nearly 15 years, while Pang has been managing for nearly 7 years [3] Fund Holdings - Five funds under E Fund hold a total of 4.06 million shares of Postal Savings Bank, with a floating loss of approximately 324,600 CNY today and 1.26 million CNY over the past four days [4] - E Fund Rui Jin Mixed A (009689) holds 1.77 million shares, representing 0.59% of the fund's net value, with a floating loss of about 142,000 CNY today [4] - E Fund Rui Chuan Mixed A (009215) reduced its holdings by 46,500 shares, now holding 649,500 shares, which is 2.16% of the fund's net value, with a floating loss of about 52,000 CNY today [5]

来源：新浪基金∞工作室 9月30日，邮储银行跌1.37%，截至发稿，报5.75元/股，成交6.97亿元，换手率0.18%，总市值6905.47亿 元。邮储银行股价已经连续4天下跌，区间累计跌幅5.12%。 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、投资、同业融资及票据贴现。资金业务还包括资产管理。 主营业务收入构成为：个人银行业务69.57%，公司银行业务19.70%，资金业务10.65%，其他业务 0.07%。 从基金十大重仓股角度 截至发稿，李晨 ...