重庆农商行2025年12月已收到近千万元罚单

Group 1 - The core issue highlighted is the frequent regulatory penalties faced by Chongqing Rural Commercial Bank, indicating significant internal control failures and inadequate loan investigation practices [1][2] - Since 2025, the bank has accumulated a total of 13.53 million yuan in fines, with three penalties amounting to 9.7 million yuan issued in December alone [1] - The bank's credit approval and post-loan management processes exhibit notable vulnerabilities, as evidenced by multiple violations in the lending sector [1] Group 2 - Chongqing Rural Commercial Bank, established in 2008, is the largest rural commercial bank in China by asset size, with total assets nearing 1.66 trillion yuan as of September 2025 [2] - The bank's non-performing loan ratio stands at 1.12%, with a provision coverage ratio of 364.82%, indicating potential concerns regarding asset quality [2] - The bank has faced challenges in maintaining shareholder trust, as evidenced by a recent shareholder meeting where over half of H-share shareholders voted against proposed amendments, highlighting governance issues [2]