年内超1400万元罚单“落地”，重庆三峡银行合规为何屡屡失守

Core Viewpoint - Chongqing Sanxia Bank has faced significant regulatory penalties due to compliance failures, highlighting systemic issues in its internal controls and risk management practices [1][3][4]. Regulatory Penalties - On December 12, Chongqing Sanxia Bank was fined 8.9 million yuan for eight violations, including inadequate internal controls and improper loan issuance [1][3]. - The bank's management, including former chairman Ding Shilu, faced severe repercussions, with Ding receiving a lifetime ban from the banking industry [3][4]. - This penalty follows a previous fine of 5.592 million yuan in July for various regulatory breaches, totaling 14.492 million yuan in fines within five months [4][6]. Management Accountability - The bank's senior management has been held accountable, with significant penalties imposed on other executives, including a 10-year disqualification for the former vice president [4][5]. - The ongoing compliance issues reflect a deeper, systemic problem within the bank's operational framework [4][5]. IPO Challenges - Chongqing Sanxia Bank has struggled with its IPO process, facing delays and complications due to regulatory scrutiny and management issues [6][7]. - The bank's IPO application was stalled after the implementation of the A-share registration system in March 2023, resulting in it being classified as a "laggard" among its peers [7][8]. Financial Performance - As of the end of the third quarter of 2025, the bank reported total assets of 365.345 billion yuan, an 8.72% increase from the beginning of the year, and a net profit of 999 million yuan, up 5.43% year-on-year [7][8]. - Despite revenue growth, the bank's capital adequacy ratios have declined, with the core tier one capital ratio dropping to 8.46% [8][9]. Strategic Direction - The bank aims to focus on serving local economies and small enterprises while enhancing its financial services in technology, green finance, and digital banking [9][10]. - Analysts suggest leveraging state-owned shareholder resources to improve financial stability and explore strategic partnerships to enhance operational efficiency [10][11].