严查信贷业务违规，多家银行被罚

Core Viewpoint - The National Financial Regulatory Administration has imposed heavy fines on several banks for violations in their credit business, indicating a tightening regulatory environment in the banking sector [1][10]. Group 1: Regulatory Actions - The National Financial Regulatory Administration issued fines to multiple banks, including Minsheng Bank, Wenzhou Bank, Guangxi Beibu Gulf Bank, and Guangdong Nanhai Rural Commercial Bank for various violations [1][10]. - Guangdong Nanhai Rural Commercial Bank was fined 3.8 million yuan for issues such as inadequate review of bank acceptance guarantee deposits and poor post-loan management [2][10]. - Minsheng Bank's Xi'an branch was fined 450,000 yuan for imprudent management of mortgage loans [3][10]. - Jiangxi Suichuan Rural Commercial Bank faced a fine of 1.4 million yuan for issues including inadequate equity management and misuse of loan funds [4][10]. - Jiangxi Huichang Rural Commercial Bank was fined 950,000 yuan for violations related to loan issuance and fund misappropriation [5][10]. - Wenzhou Bank's Ningbo branch was fined 1.35 million yuan for inadequate credit business management and inaccurate regulatory statistics [8][10]. - Guangxi Beibu Gulf Bank was fined 2.05 million yuan for various violations, including poor management of loan fund payments and security controls [9][10]. Group 2: Implications of Regulatory Actions - The regulatory crackdown on credit violations has intensified since 2026, with credit business being the primary focus of penalties [10]. - The current "double penalty system" reflects a shift towards systemic risk prevention as a core logic of financial regulation, indicating that the tightening trend is likely to continue [10].