Xin Lang Cai Jing·2025-12-04 23:13Core Viewpoint - A recent penalty issued by the National Financial Supervision Administration has revealed serious internal management issues at Postal Savings Bank, involving two criminal cases of fund misappropriation and loan fraud by bank employees [1][3]. Group 1: Fund Misappropriation Cases - The first case involves a loan officer who misappropriated over 1 million yuan for personal use and lending to others, ultimately leading to a 900,000 yuan shortfall when the funds could not be replenished [1][5]. - The second case is more complex, involving the same loan officer who not only misappropriated funds but also forged loan documents to defraud the bank, implicating two other employees, including the branch manager [1][9]. Group 2: Internal Control Failures - The penalties issued to three employees were due to "inadequate internal control management," with one employee banned from the banking industry for two years and others for three years [3][10]. - The investigation revealed systemic failures in the bank's management, including lack of checks and balances, ineffective approval processes, and reliance on personal trust rather than institutional controls [6][7]. Group 3: Criminal Activities and Legal Consequences - The main perpetrator, who misappropriated funds, was sentenced to four years in prison and ordered to repay 881,000 yuan [7][12]. - Another employee involved in a more extensive fraud scheme was sentenced to 13 years and six months in prison, with additional fines and restitution of over 1.5 million yuan [12].