3000万“两连罚”追责往年疏漏 上海银行回应称“已积极整改”

Core Viewpoint - Shanghai Bank has faced significant regulatory penalties due to compliance issues, indicating systemic risks in its operations and management practices [1][2][3]. Group 1: Regulatory Penalties - On August 4, Shanghai Bank's Hangzhou branch was fined 3.8 million yuan for multiple compliance issues, including mismanagement of fiscal deposits [1]. - The central bank imposed fines totaling approximately 28.75 million yuan on Shanghai Bank's headquarters for deficiencies in asset pool management and other violations, including the confiscation of illegal gains of nearly 470,000 yuan [1][3]. - In total, Shanghai Bank has incurred over 37 million yuan in penalties this year, with 5.01 million yuan in fines during the first half alone, making it one of the few city commercial banks penalized over 5 million yuan [1]. Group 2: Compliance Issues - The penalties highlight compliance failures not only in micro-level operations but also in macro-level systemic risks, including issues related to fiscal deposit management and clearing management [1]. - Specific violations cited include improper performance evaluations, inadequate asset pool management, and failures in credit management and internal controls [2][3]. - The central bank's fines stem from violations in payment settlement, cash management, and compliance with fiscal business regulations from 2020 to 2021, while local regulatory fines relate to issues from 2019 to 2023 [3]. Group 3: Management Response - In response to the regulatory scrutiny, Shanghai Bank has stated that it is actively rectifying issues by improving its institutional framework, management processes, and mechanisms [4]. - The bank reported a revenue of 13.597 billion yuan and a net profit of 6.292 billion yuan for the first quarter of 2025, reflecting year-on-year growth rates of 3.85% and 2.3%, respectively [4]. Group 4: Leadership Changes - In April 2025, Shanghai Bank appointed a new chairman, Gu Jianzhong, who has a long history with the bank, indicating a potential shift in leadership strategy [7]. - The current executive team includes Chairman Gu Jianzhong, President Shi Hongmin, and several vice presidents, suggesting a stable leadership structure moving forward [7].