重庆农商行领870万元罚单，原副行长与首席审贷官被终身禁业

Core Viewpoint - Chongqing Rural Commercial Bank was fined a total of 8.7 million yuan due to negligence in loan "three checks" and other compliance issues, leading to significant penalties for several executives [1][4]. Group 1: Regulatory Actions - The bank was penalized for inadequate diligence in loan "three checks," failure to investigate and hold accountable for large risk losses, and errors in non现场 statistical data [1][4]. - Former Vice President Shu Jing and Chief Credit Officer Feng Hongwei were banned for life from the banking industry due to their roles in the negligence [1][4]. - Other executives, including two former general managers of the corporate business department, received warnings and fines of 50,000 yuan each for similar issues [1][4]. Group 2: Background on Loan "Three Checks" - The loan "three checks" is a fundamental risk control mechanism in bank credit management, consisting of pre-loan investigation, in-loan review, and post-loan inspection [1][4]. Group 3: Executive Misconduct - Shu Jing was previously expelled from the party and public office for serious violations, including accepting gifts and engaging in illegal business activities using his position [2][6]. - The bank's board decided to dismiss Shu Jing on March 28, 2024, following investigations into his misconduct [2][6]. Group 4: Financial Performance - For the first three quarters of the year, Chongqing Rural Commercial Bank reported operating income of 21.658 billion yuan, a year-on-year increase of 0.67%, and a net profit attributable to shareholders of 10.694 billion yuan, up 3.74% [3][6]. - As of the end of September, the bank's total assets exceeded 1.65 trillion yuan [3][6].