这家银行，被罚！

Core Viewpoint - Huzhou Bank has been fined over 4.27 million yuan for multiple business violations, marking the largest penalty since its establishment [2][3][7]. Summary by Sections Penalty Details - The penalty includes violations of financial statistical management regulations, account management regulations, merchant management regulations, anti-counterfeit currency management regulations, misappropriation of fiscal deposits or funds, violations in credit information collection and management, failure to retain customer identity information and transaction records as required, and failure to report large or suspicious transactions [4][7]. Involved Personnel - Several responsible individuals at Huzhou Bank received penalties, including: - Ye Mouyuan, former General Manager of the Operations Management Department, received a warning and a fine of 50,000 yuan for account management violations. - Jiang Mou, former General Manager of the Retail Banking Department, received a warning and a fine of 50,000 yuan for merchant management violations. - Mo Moufei, former Deputy General Manager of the Operations Management Department, was fined 42,500 yuan for failing to retain customer identity information and transaction records. - Cai Mou, former General Manager of the Legal Compliance Department, was fined 27,500 yuan for failing to report large or suspicious transactions [7]. Financial Performance - As of the end of 2024, Huzhou Bank reported total assets of 162.035 billion yuan, a year-on-year increase of 15.15%. The bank achieved operating income of 3.337 billion yuan and a net profit of 1.086 billion yuan. The non-performing loan ratio stood at 0.98%, with a provision coverage ratio of 363.16% [9]. IPO Progress - Huzhou Bank has been preparing for an IPO since 2019 but has not yet achieved this goal. The bank submitted its listing application in January 2020, but progress has stalled. As of now, the IPO application is still in the "inquired" stage following the implementation of the A-share registration system in March 2023 [9][10]. Regulatory Environment - The recent penalty adds uncertainty to Huzhou Bank's IPO process. The regulatory environment is becoming increasingly stringent, with a focus on "penetrating accountability" and "full coverage" in compliance requirements, particularly for small and medium-sized banks [10].