回顾唐朔的职业生涯，他自2001年加入交通银行，至今已在该行工作24年。其中，2025年10月至2025年 12月任交通银行业务总监（公司与机构业务）；2021年3月至2025年12月先后任交通银行广东省分行行 长、北京市分行行长；2018年7月至2021年3月先后任交通银行江西省分行副行长、行长；2016年4月至 2018年7月先后任交通银行北京市分行行长助理、副行长。此前，他曾任交通银行北京望京支行行长、 北京市分行个人金融业务部总经理、公司机构业务部（投资银行部）副总经理等职务。 12月23日，建设银行发布公告称，董事会会议同意聘任唐朔担任该行副行长，待国家金融监督管理总局 核准其任职资格后履职。 简历显示，唐朔1978年11月出生，今年47岁。他于2001年获西安交通大学法学学士学位，2018年获北京 交通大学工程硕士学位。 采写：南都湾财社记者 刘兰兰 值得一提的是，在此次被聘任为建设银行副行长之前，唐朔刚被交通银行提拔为业务总监。南都湾财社 此前报道，交通银行8月29日发布公告，公司董事会会议同意聘任唐朔为业务总监（公司与机构业 务）。12月15日，交通银行又发布公告称，唐朔因工作调动原因，辞去该 ...

开业仪式后，交通银行与经开区联合举办"科产交融 服务经开"企业融资服务专场对接活动。（周金 龙） 编辑：湛玮琦 张耀表示，1914年交行即在中山街设立汇兑所，1991年重新组建，是蚌埠市第一家国有股份制商业银 行。35年来，交行蚌埠分行在市委、市政府的坚强领导下，始终与珠城发展同频共振，存贷款已突破 400亿元，服务个人客户超70万人，"十四五"期间信贷投放超200亿元，对公实质性贷款首次突破百亿大 关，今年接续荣获总行"示范标杆党组织"和"五一劳动奖状"等荣誉，切实以"交行特色"服务地方经济、 增进民生福祉。经开区支行的开业，进一步充实了"中国传感谷+临港产业园+大学城+高铁站"叠加区域 金融供给，有效缩短服务半径，为特色化、全方位、多层次服务经开区"智造高地"建设提供了更加强有 力的支撑。 下一步，交通银行蚌埠分行将聚焦"智造强市产业立市"第一战略，以"铁锤砸铁钉"的严实作风，把 握"六大产业集群"资源禀赋，抢抓"蚌甬合作"发展机遇，发挥"总行驻沪"和"金融全牌照"比较优势，加 大信贷投放、推进"倍增工程"，做好"五篇大文章"。服从服务全市一盘棋，在支持蚌埠打造"皖北区域 金融服务中心"新征程中，不断提高 ...

Group 1 - The event held by Bank of Communications and the Bengbu Economic Development Zone aimed to promote the integration of technology and economic development, focusing on financing bottlenecks and innovative application scenarios [1] - The government, bank, and enterprises collaborated to create a win-win situation, with the bank expected to leverage its professional advantages to match policies with demands and provide tailored financial services [1] - The Economic Development Zone plans to update its "white list" of enterprises and work with the bank to establish a green approval channel for better service [1] Group 2 - Bank of Communications initiated a special action for inclusive financial services, focusing on the "China Sensor Valley + Lingang Industrial Park + University Science Park" as key points for building a customized service mechanism [2] - The bank has already collaborated with over 700 small and micro enterprises, achieving an active credit limit of nearly 1.5 billion yuan, with 111 enterprises from the Economic Development Zone receiving nearly 200 million yuan [2] - The bank introduced a comprehensive financial service plan for small and micro enterprises, creating a product system that includes equity, debt, loans, leasing, and trust, effectively linking innovation, industry, capital, and talent [2]

12月19日，中国人民银行官网披露的行政处罚信息显示，交通银行被处以警告，同时被没收违法所得23.982116万元，并被罚款6783.43万元。此外，13名责 任人一同被处罚。 | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 | 決定日期 | | | | | | 1. 违反账户管理规定; | | | | | | | | | 2. 违反清算管理规定; | | | | | | | | | 3. 违反特约商户实名制 | | | | | | | | | 管理规定; | | | | | | | | | 4. 违反反假货币业务管 | | | | | | | | | 理规定; | | | | | | | | | 5. 占压财政存款或者资 | | | | | | | | | 金; | | | | | | | | | 6. 违反国库科目设置和 | | | | | | | | | 使用规定; | | ...

Core Insights - The event "沃德财富万里行" organized by Bank of Communications Jiangsu Branch and交银施罗德基金 aims to enhance wealth management services and investor education [1][2] - The "沃德财富" brand has evolved over nearly two decades to provide comprehensive wealth management solutions, including asset allocation, family trusts, cross-border finance, and tax planning [1] - The bank emphasizes the importance of professional wealth management in increasing residents' property income and promoting common prosperity [1] Group 1: Wealth Management Development - The "沃德财富" brand was launched in 2006 and has since become a trusted partner for individual clients, managing over 400 billion yuan in financial assets for more than 11 million customers [1] - The wealth management team consists of experts from various fields, utilizing professional research and quantitative models to create the "沃德优选" product series [1] Group 2: Economic Insights and Asset Allocation - The event featured insights from Zhao Wei, Chief Economist at Shenwan Hongyuan, who discussed the current economic trends and investment opportunities, focusing on policy understanding and market outlook for 2026 [3] - Liu Jiawei from交银施罗德基金 provided practical advice on fund asset allocation and the underlying logic of asset management [3] Group 3: Social Responsibility in Wealth Management - The "瑞善" charitable trust service was launched to enhance the professionalism and efficiency of charitable activities, reflecting the social responsibility aspect of wealth management [4][5] - The "瑞善" program includes upgrades in service models, focus areas, user experience, technology integration, and collaboration with nearly 50 trust and charity organizations to create a transparent charitable network [5]

Group 1: Digital Transformation in Shipping Finance - The launch of the "Shipping Butler" service by Bank of Communications Shanghai Branch enables a fully digital settlement system for shipping fees, reducing processing time from over 3 days to just a few minutes [1][14] - The service integrates multi-currency payments and eliminates the need for manual document submission, showcasing the bank's digital innovation in supporting the shipping industry [1][14] Group 2: Support for Key Industries - The "2+3+6+6" modern industrial system in Shanghai focuses on transforming traditional industries and developing three leading sectors: integrated circuits, biomedicine, and artificial intelligence [2][15] - Bank of Communications Shanghai Branch has provided over 170 billion yuan in credit support to more than 1,000 enterprises in these key industries as of September 2025 [17] Group 3: Financing for High-End Manufacturing - The bank plays a crucial role in supporting the domestic aircraft manufacturing supply chain, including financing for the C919 aircraft project [2][15] - It has successfully executed the first business on the China Commercial Aircraft Corporation's "de-nuclearization" supply chain platform, enhancing supply chain resilience [2][15] Group 4: International Trade and Cross-Border Financing - The bank is optimizing cross-border trade settlements to facilitate smoother capital flows, aiming to elevate Shanghai's status in the global trade landscape [6][19] - The introduction of the mBridge digital currency platform allows for innovative cross-border payment solutions, significantly reducing operational costs and risks for enterprises [20][21] Group 5: Aviation Financing Innovations - The bank has developed flexible financing solutions for airlines, including a combination of working capital loans and long-term leasing options for aircraft [9][23] - As of November 2025, the bank has facilitated financing for 30 aircraft, amounting to nearly 16.5 billion yuan [23] Group 6: Support for Technology and Innovation - The establishment of the first technology finance center by Bank of Communications aims to bridge the gap between banks and tech startups, addressing the unique financing challenges faced by these companies [10][24] - The bank has introduced innovative products like the "Smart List Loan," which evaluates companies based on their potential rather than fixed assets, providing significant support to over 1,600 tech enterprises [26][27]

Core Viewpoint - The People's Bank of China has imposed significant penalties on China Communications Bank for various regulatory violations, highlighting the importance of compliance in the banking sector [1][3]. Regulatory Violations - China Communications Bank was found to have committed multiple violations, including: 1. Violating account management regulations 2. Violating clearing management regulations 3. Violating special merchant real-name system management regulations 4. Violating counterfeit currency business management regulations 5. Misappropriating fiscal deposits or funds 6. Violating treasury account setup and usage regulations 7. Violating credit information collection, provision, inquiry, and related management regulations 8. Failing to fulfill customer identity verification obligations 9. Failing to retain customer identity information and transaction records as required 10. Failing to report large transactions or suspicious transactions as required 11. Conducting transactions with unidentified customers or opening anonymous or pseudonymous accounts for customers [1][4]. Penalties Imposed - The total penalties imposed on China Communications Bank include: - Confiscation of illegal gains amounting to 239,821.16 yuan - A fine of 67,834,300 yuan [1][3]. - Individual employees of the bank also faced penalties, with fines ranging from 4,000 yuan to 100,000 yuan for various infractions [2][5]. Bank's Response - China Communications Bank acknowledged the penalties and stated that the issues were identified during a comprehensive enforcement inspection conducted by the People's Bank of China from November 2022 to April 2023. The bank has completed rectification work and is committed to enhancing internal control and compliance management [3][6].

二、核准交通银行业务范围为：经银行保险监督管理机构或其他有行政许可权的机构批准并经上级机构 授权办理的业务。 三、接此批复文件后，交通银行应按照有关规定领取许可证并办理开业前的相关手续。开业后及时向北 京金融监管局报告相关情况。 2025年12月17日，北京金融监管局发布批复称，《交通银行（601328）股份有限公司北京市分行关于长 阳支行开业的请示》（交银京〔2025〕93号）收悉。经审核，现批复如下： 一、同意交通银行股份有限公司北京长阳支行开业，营业场所为北京市房山区长政南街1号院1号楼1F- 18a、1F-18b、1F-18c。 ...

Core Viewpoint - Consumption is identified as the main engine driving economic growth and is crucial for facilitating domestic circulation. The Bank of Communications is actively implementing measures to boost consumption through various promotional activities [1] Group 1: Financial Support for Consumption - The People's Bank of China and six other departments have issued guidelines to enhance financial support for key consumption areas, encouraging innovation in financial products tailored to consumption scenarios [2] - The Bank of Communications has launched the "Hundred Counties and Ten Thousand Stores" initiative, targeting county markets to improve financial service accessibility [2] Group 2: Three-Tiered Consumption Activation - The Bank of Communications has established a three-tier upgrade system focusing on basic, improved, and new consumption to stimulate county-level consumer activity [3] - For basic consumption, the bank is creating a network of inclusive services that integrates high-frequency consumption scenarios like dining and home services [3] - To enhance improved consumption, the bank is leveraging government subsidies and credit card advantages to meet the demand for quality upgrades in appliances, home decor, and automobiles [3] - The bank is fostering new consumption through a dual empowerment system combining digital and scenario-based approaches, utilizing the "Buy Now" app and various promotional events [3] Group 3: Local Economic Revitalization - In regions like Yiwu, local businesses embodying cultural heritage are becoming key consumer attractions, supported by the bank's initiatives [4] - The "Cultural Tourism + Consumption" strategy is revitalizing local merchants, allowing residents to enjoy affordable local cuisine while accessing financial services [4] - The bank aims to continue stimulating consumption through events like "Most Popular Friday" and "Year-End Celebration," while enhancing its network of inclusive services [4]

12月19日，央行发布行政处罚信息，工行因10项违法行为类型被警告、没收违法所得434.57万元并罚款 3961.5万元；交行因11项违法行为类型被警告、没收23.98万元并罚款6783.43万元，交行回应称问题发 生在2023年前且已整改。同日，金融监管总局披露浦发银行因业务管理不审慎等被罚1560万元。 其中，工商银行因违反金融统计相关规定、违反账户管理规定等10项违法行为类型被警告，被没收违法 所得434.57万元，罚款3961.5万元。 此外，上述三家银行多名涉事相关责任人一并遭罚。 来源：每日经济新闻、九派新闻 交通银行因违反账户管理规定、违反清算管理规定等11项违法行为类型被处以警告，被没收违法所得 23.98万元，罚款6783.43万元。 交行就此向《每日经济新闻》记者回应称："2022年11月至2023年4月，中国人民银行对交通银行开展综 合执法检查。本次处罚是基于上述执法检查发现的问题作出的，处罚所涉问题均发生在2023年以前。交 行对此诚恳接受、高度重视，已完成整改工作，并以问题整改为契机，认真举一反三，不断优化长效机 制。本行将持续强化内控合规管理，厚植稳健审慎经营文化，不断提升经营管理 ...