金华银行八项违规遭罚717.5万，11名中高层管理人员被追责

Core Viewpoint - Jinhua Bank has been fined 7.175 million yuan for multiple regulatory violations, marking the largest penalty in its history and highlighting serious internal control and compliance issues [1][2]. Regulatory Violations - The bank violated eight regulations, including account management, merchant management, and anti-counterfeiting currency business management, indicating significant lapses in customer identity verification and suspicious transaction reporting [1]. - The bank's failure to comply with anti-money laundering obligations suggests a weak risk control system, potentially facilitating illegal fund flows [1]. Management Accountability - Eleven senior management personnel were penalized, with fines totaling 290,000 yuan, reflecting a systemic failure in compliance responsibilities within the bank's organizational structure [2]. Financial Performance - Jinhua Bank reported a net profit of 639 million yuan for 2024, a year-on-year increase of 18.09%, but this growth rate is significantly lower than the average for city commercial banks in Zhejiang province [3]. - The non-performing loan ratio rose to 1.21%, an increase of 0.12 percentage points from 2023, which is considerably higher than peers like Hangzhou Bank and Ningbo Bank [3]. Asset Quality and Risks - As of June 2025, the bank's total assets reached 121.634 billion yuan, a year-on-year growth of 10.42%, but the rising non-performing loan ratio suggests a potential relaxation of risk control standards to maintain growth [6]. - Shareholder equity pledge risks have emerged, with two shareholders pledging a total of 37.5953 million shares since 2025, raising concerns about the stability of the bank's equity [6]. - Historical compliance issues have recurred, with a previous fine of 5.25 million yuan in June 2022 for concealing non-performing assets, indicating ongoing governance challenges [6].