重庆三峡银行被罚超1400万，八大问题连带前行长、董事长终身禁业

Core Viewpoint - Chongqing Three Gorges Bank has been heavily fined 8.9 million yuan due to serious compliance issues, including inadequate internal control, improper loan issuance, and failure to fulfill the "three checks" in credit management, which poses significant risks to the bank's stability and financial security [3][4][8]. Group 1: Compliance Issues - The bank faces eight major compliance problems, including inadequate internal control, improper loan issuance, and serious neglect of the "three checks" process, which is critical for risk management in lending [4][8]. - The "three checks" process involves verifying the borrower's qualifications before the loan, ensuring the loan's purpose is compliant during the process, and monitoring the flow of funds after the loan is issued [8]. Group 2: Penalties and Consequences - The bank has been fined a total of 14.49 million yuan this year, with the recent fine of 8.9 million yuan being particularly significant for a regional commercial bank [10]. - Several high-ranking officials, including the former president and chairman, have been banned from the banking industry for life due to their roles in the compliance failures [5][6]. Group 3: Financial Performance - As of the end of 2024, the bank's total assets reached 336.1 billion yuan, with total deposits of 225.9 billion yuan and total loans of 177.7 billion yuan [10]. - The bank reported a non-performing loan balance of 2.945 billion yuan, with a non-performing loan ratio of 1.66%, indicating a slight increase from the previous year [11]. - For the first three quarters of the year, the bank achieved an operating income of 4.441 billion yuan, a year-on-year increase of 9.72%, and a net profit of 999 million yuan, up 5.43% year-on-year [12].