Bank Of Guiyang(SH:601997) 3 6 Ke·2026-01-09 05:53Core Viewpoint - The banking sector is facing intensified regulatory scrutiny in 2026, with multiple banks receiving fines for various violations, reflecting a shift towards more precise and severe penalties aimed at addressing systemic risks [2][3][13]. Regulatory Environment - In early 2026, several banks have already been penalized, indicating a continuation of strict regulatory measures from 2025 [1][4]. - The regulatory actions cover a range of issues, including inadequate loan management and insufficient internal controls [2][7]. Penalty Statistics - In 2025, a total of 6,565 fines were issued to banks, with over 1,000 banks penalized, marking an increase in the number of institutions facing penalties [9][10]. - The total amount of fines in 2025 reached 2.647 billion, a significant increase of 45.28% compared to the previous year, driven by a rise in the number of large fines exceeding one million [10][12]. Specific Cases - Guiyang Bank faced multiple fines in 2025, totaling 19, with the largest fine being 600,000 for inadequate loan management practices [6][7]. - The penalties imposed on Guiyang Bank included fines of 200,000 for two branches due to imprudent loan management, with responsible personnel receiving warnings [5][6]. Trends in Penalties - The trend of issuing large fines is expected to continue, with predictions indicating that the number of fines may remain stable while the amounts could increase, particularly for medium-sized banks [13]. - The focus of regulatory scrutiny is shifting towards high-risk areas, including compliance in financial technology and consumer protection [13]. Employee Accountability - The "double penalty system" has been implemented, linking compliance responsibilities directly to specific individuals, resulting in lifetime bans for over 100 bank employees in 2025 [3][8][12].