杭银理财期限错配、风控不力被罚280万， 今年规模大涨37%

Core Insights - The Zhejiang Regulatory Bureau of the National Financial Supervision Administration has imposed a fine of 2.8 million RMB on Hangyin Wealth Management for mismatched product durations and inadequate risk management, along with a warning to the responsible person, Yuan Lihong [1][2]. Group 1: Regulatory Actions - Hangyin Wealth Management and its responsible personnel were penalized for illegal activities including mismatched product durations and inadequate risk management [2]. - Yuan Lihong, previously the General Manager of the Fixed Income Department at Hangyin Wealth Management, has been removed from the company's public investment personnel list [2]. Group 2: Company Performance - Hangyin Wealth Management's product balance reached 557.458 billion RMB by the end of Q3 2025, marking a 27.1% increase from the previous year [2]. - As of October 28, 2025, the company's managed product scale surpassed 600 billion RMB, reflecting a year-to-date growth rate of 36.8%, with nearly half of the sales coming from external channels and partnerships with 258 institutions [2]. Group 3: Industry Trends - This year, five wealth management subsidiaries have faced penalties, with violations primarily concentrated in three areas: investment operation, information disclosure, and internal control and risk management [3]. - Common issues include lack of management in non-standard debt investments, non-compliance in product investment concentration and liquidity management, and inadequate risk management practices [3].