杭州银行“吃下”380万元罚单 贷款问题成罚款“重灾区”

Core Viewpoint - Hangzhou Bank has been fined 3.8 million yuan due to multiple violations, primarily related to loan management issues, highlighting the increasing scrutiny on credit practices in the banking sector [1][3][4]. Group 1: Regulatory Actions - The Shanghai Financial Regulatory Bureau imposed a fine on Hangzhou Bank for seven major violations, with a significant focus on loan-related issues [1][3]. - Regulatory bodies have intensified their examination of credit violations this year, leading to frequent penalties in the banking industry [2][4]. - The National Financial Supervision Administration has introduced new regulations, such as the "Liquidity Fund Loan Management Measures," to enforce stricter compliance in loan management [4][5]. Group 2: Specific Violations - The violations by Hangzhou Bank include severe breaches in pre-loan investigations for working capital loans, management of operational property loans, personal loan management, and other credit-related activities [3][6]. - The bank's personal loan non-performing rate increased to 0.77%, up by 0.18 percentage points from the end of 2023, while the non-performing rate for real estate loans reached 6.65%, rising by 0.29 percentage points year-on-year [6]. Group 3: Penalties and Accountability - Multiple responsible individuals at Hangzhou Bank were also penalized, reflecting a trend of dual penalties where both institutions and individuals face consequences for violations [7][8]. - The dual penalty mechanism aims to enhance the deterrent effect of regulatory actions, encouraging financial institutions and personnel to adhere to compliance and risk management practices [9].