重庆三峡银行被罚890万元 时任行长、董事长丁世录遭终身禁业

Core Viewpoint - Chongqing Three Gorges Bank has been fined 8.9 million yuan due to multiple violations, including inadequate internal controls and improper loan issuance, leading to a lifetime ban for its former president and chairman, Ding Shilu [2][3][5] Group 1: Violations and Penalties - The bank was penalized for eight specific violations, including inadequate internal control management, improper loan issuance, and serious negligence in the "three checks" (pre-loan investigation, in-loan review, and post-loan inspection) [3][4] - Ding Shilu, the former president and chairman, was banned for life from the banking industry due to his responsibility for credit management negligence and serious shortcomings in the "three checks" [5][6] - Other senior executives, including the former vice president and department heads, faced penalties ranging from warnings to disqualification from senior management positions for various compliance failures [5][6] Group 2: Governance and Risk Management Issues - The bank's issues stem from a weakened execution of the "three checks" mechanism, where compliance requirements were often sidelined due to business pressure, compromising risk management [7] - The performance evaluation system emphasized short-term metrics like loan volume and profit, which detracted from long-term risk management awareness, leading to a mismatch between credit expansion and risk control capabilities [7] - To enhance governance effectiveness, the bank needs to strengthen risk constraints through institutional arrangements, ensuring that risk management functions are adequately performed and integrated into key business processes [7][8] Group 3: Industry Implications - The competition among small and medium-sized banks is shifting from mere scale expansion to differences in institutional execution and risk culture [8] - Compliance must be genuinely integrated into daily operations, with clear accountability and traceable records for every business decision, to solidify risk defenses and prevent localized issues from escalating into systemic risks [8]