这边整改那边违规，广发银行今年被罚没上亿元

Core Viewpoint - Guangfa Bank has faced significant regulatory penalties in 2023, totaling over 1 billion yuan, due to multiple violations in foreign exchange and credit management, indicating serious compliance issues within the bank's operations [4][14]. Regulatory Penalties - Guangfa Bank was fined a total of 15.3783 million yuan by the Guangdong branch of the State Administration of Foreign Exchange for violations including capital project fund payments and unauthorized guarantees [5][7]. - The bank has received multiple fines throughout the year, including a notable penalty of 66.7 million yuan from the National Financial Supervision Administration for improper management of loans and data reporting [11][13]. - The cumulative fines for Guangfa Bank in 2023 have exceeded 1 billion yuan, making it one of four banks to reach this threshold [4][14]. Compliance Issues - The penalties highlight serious compliance gaps in Guangfa Bank's foreign exchange operations, including issues with authenticity checks on transaction documents and unauthorized foreign exchange transactions [5][7]. - Specific branches, such as the Nanchang and Shenyang branches, have also faced fines for failing to conduct proper reviews of transaction documents and personal foreign exchange operations [7][10]. - The bank's internal management has been criticized for significant negligence in key credit processes, leading to widespread violations across multiple branches [10][14]. Management Response - Guangfa Bank acknowledged the penalties as a consequence of past errors and stated that it has completed necessary rectifications and is committed to improving its risk management and compliance mechanisms [13]. - Following the penalties, the bank's management faced increased pressure, leading to the resignation of its president, Wang Kai, amid ongoing compliance challenges [13][14]. Financial Performance - As of June 2025, Guangfa Bank reported total assets of 3.69 trillion yuan, but its financial performance has declined, with a 0.63% drop in revenue and a 4.58% decrease in net profit year-on-year [13].