超期限冻结账户、违规绑定他人借记卡，工行榆林分行被罚38万

Group 1 - The core issue is that China Industrial and Commercial Bank's Yulin branch was fined 380,000 yuan due to inadequate internal control execution, which included problems like overdue account freezes and unauthorized binding of others' debit cards [1] - Three individuals were penalized with warnings for their roles in the internal control failures: Li Xiaohu, the branch manager, and Zhang Zhonglin, a customer manager, for overdue account freezes; and Gao Bin, an employee, for unauthorized binding of debit cards [1]