开栏语： 从银行保险业奋力书写"五篇大文章"，到资本市场大力培育耐心资本，2025年上半年的中国金融业在改 革中育新机、于创新中谋突破。站在年中时点，南都·湾财社推出"金融半年观"系列报道，聚焦银行、 保险、证券、消费金融等行业"五篇大文章"成效、产品供需变化、机构人事调整，以及合规管理情况， 解析政策动向与市场趋势，把脉行业高质量发展新图景。 银行业监管"利剑"持续高悬。据企业预警通数据，以披露日期为准，今年上半年，我国银行业共收到罚 单2755张，被罚没金额共计7.87亿元。在1083张机构罚单中，农商行"领跑"罚单榜，无论是罚单数量还 是罚没金额都位列第一，国有大行则紧随其后。与此同时，针对银行从业者的个人罚单更是多达1672 张，彰显出监管部门"双罚并举"的严厉态势。 从单张罚单来看，罚金超过千万元的巨额罚单共计6张，最高的一张开给一国有行，被罚没超过5160万 元。从被罚原因看，信贷业务违规依然占"大头"。值得一提的是，在提振消费大背景下，银行业纷纷发 力消费信贷业务，但从上半年罚单看，有多家银行消费信贷业务存在合规漏洞。 罚没金额 一国有行被罚没超五千万元 企业预警通数据显示，今年上半年，罚单数量 ...

1. 合规性风险：虚假资质与暗箱操作 一、全球黄金市场变局与投资机遇 2025年的黄金市场正经历「危机与机遇并存」的博弈格局。中东冲突升级导致霍尔木兹海峡航运风险骤增，全球黄金ETF单周流入量创2022年3月以来新 高，而美联储年内预计降息50-75个基点，叠加央行购金潮（2024年全球央行购金量达1045吨），推动金价突破3400美元/盎司，逼近历史高位。与此同时， 香港金银业贸易场数据显示，2024年查处的违规平台数量同比激增45%，部分平台利用虚假监管资质浑水摸鱼，行业合规风险凸显。在这样的背景下，选择 具备透明监管、低摩擦成本与智能风控的平台，成为投资者穿越波动的关键。 二、黄金投资的核心痛点与解决方案 传统贵金属交易中，部分平台通过伪造监管牌照或操纵交易数据牟利。例如，2024年香港金银业贸易场查处的违规平台中，近半数存在交易编码不可追溯或 资金混管问题。金盛贵金属作为香港黄金交易所AA类047号会员，采用「监管穿透式」运营，每笔0.1手以上交易生成唯一编码，投资者可通过交易所官网 实时核验，确保交易全程透明可查。其资金独立存放于香港汇丰银行，定期接受普华永道等第三方审计，2025年香港金融管理局合 ...

摘要: 探索NCE外汇如何通过合规监管确保安全交易环境，保障您的投资无忧。点击了解更多关于可靠外汇交易平台的信息！ 作为一名对外汇市场充满热情的投资者，我深知合规监管对安全交易环境的重要性。NCE外汇在这方面做得特别出色，与多家 国际监管机构合作，确保我们的交易始终透明和安全。通过技术创新，我可以放心地进行每一次交易，不用担心数据泄露或系 统故障。NCE外汇还提供专业化的客户服务，让我在遇到问题时能够得到及时有效的帮助。此外，他们的投资者教育和培训计 划也帮助我不断提升自己的交易技能。 ## 关键要点 严格遵循国际监管标准，提升平台信誉度 智能风控系统让我对交易的安全性有了更大的信心，因为它能够实时检测和应对潜在风险。我可以更安心地进行交易，不再担 心突如其来的市场波动。系统的自动化监控功能让我觉得交易环境更加透明和可控。每当有异常情况发生时，系统会及时提 醒，让我有足够的时间来调整策略。使用这样的技术手段，交易过程变得更加顺畅和安全。 区块链技术的应用让我对交易的透明度和安全性有了更深的信任。我可以清晰地看到每笔交易的记录，确保数据的不可篡改 性。这种透明度让我觉得每一步操作都有据可查，没有任何隐藏的风险。 ...

推荐阅读 工信部严查车企"说一套做一套" 2025.06. 19 微信编辑 | 夏木 ...

近期，瑞达期货发布公告称，该公司及相关责任人收到厦门证监局出具的《关于对瑞达期货股份有限公司采取出具警示函、责令处分有关人员和责令增加内 部合规检查次数措施的决定》和《关于对林志斌、葛昶、曾永红、杨明东采取出具警示函措施的决定》。 厦门证监局决定对瑞达期货采取出具警示函、责令处分有关人员和责令增加内部合规检查次数的监督管理措施，并根据《证券期货市场诚信监督管理办法》 将相关情况记入证券期货市场诚信档案。 同时，厦门证监局指出，林志斌作为瑞达期货董事长，葛昶作为总经理，曾永红作为财务总监，杨明东作为首席风险官，未按照相关规定履行勤勉尽责义 务，对前述行为负有责任。厦门证监局决定对林志斌、葛昶、曾永红、杨明东采取出具警示函的行政监管措施，并根据《证券期货市场诚信监督管理办法》 将相关情况记入证券期货市场诚信档案。 据悉，瑞达期货在当日还收到深交所下发的监管函。深交所指出，瑞达期货董事长林志斌、总经理葛昶、财务总监曾永红、首席风险官杨明东，未能恪尽职 守、履行忠实勤勉义务，违反了相关规定。 事实上，这并非瑞达期货首次因类似问题受罚。2024年以来，其已多次遭到监管处罚。2024 年4月，海南证监局对其海南分公司采取 ...

Group 1 - Recently, Yixin Microfinance and Haier Microfinance were penalized for violating credit information management regulations, drawing industry attention [1] - Yixin Microfinance was fined 625,000 yuan, with an additional penalty of 100,000 yuan for its former general manager, totaling 725,000 yuan [1] - Haier Microfinance faced a fine of 480,000 yuan, with its responsible person fined 71,000 yuan; this is not the first compliance risk incident for Haier Microfinance [1] Group 2 - The increasing frequency of compliance issues related to credit information management has been noted, with several licensed consumer finance companies facing penalties [1] - The Ministry of Public Security's Cybersecurity Bureau reported multiple financial apps for illegal collection and use of personal information, indicating a tightening regulatory environment [2] - The regulatory framework for microfinance companies emphasizes the need for legal, legitimate, and necessary collection of customer information, highlighting the importance of compliance in the digital age [3] Group 3 - The Financial Regulatory Administration's revised guidelines for consumer finance companies stress the establishment of a risk management system aligned with information technology operations to ensure data security [3] - Experts suggest that companies must learn from past experiences and strengthen their information security and compliance measures to thrive in a regulated market [3] - In the digital era, data security and compliance management are essential for sustainable business development, and neglecting consumer rights can lead to severe consequences [3]

新修订的《金融租赁公司管理办法》（以下简称《办法》）自2024年11月1日起施行距今已满七个月。 作为增强风险抵御能力、保障企业持续经营能力的重要指标，根据《办法》第七条规定，金融租赁公司 注册资本为一次性实缴货币资本，最低限额为10亿元人民币或等值的可自由兑换货币。 "目前我们正在等待监管部门的批复。"问及此次的大手笔增资，中信 金租 相关负责人对记者说。若此 次增资顺利完成，中信金租注册资本将由40亿元一跃升至100亿元，成为业内第10家注册资本达百亿级 的金融租赁公司。 《金融时报》注意到，《办法》实施后，湖北金租、江苏金租（600901）的增资及股权机构调整计划获 得监管部门批准，目前已完成资金注入与工商变更。湖北金 租 注册资本由40亿元增至43.33亿元，增资 后，大股东武汉金融控股（集团）有限公司的持股比例从49%提高到52.92%；江苏金 租 注册资本从 42.45亿元增至57.93亿元，股权结构相应调整，其中江苏交通控股有限公司（以下简称"江苏交控"）持 股比例为 21.53%，成为第一大股东，南京银行紧随其后，持股比例达21.19%。 值得一提的是，四川天府金 租 也迈出了股权结构优化与资 ...

Core Viewpoint - The China Securities Association has reported typical cases of self-regulatory penalties in the securities industry to enhance compliance awareness and prevent similar violations in the future [1] Group 1: Self-Regulatory Penalty Cases - The report includes four cases highlighting violations such as fictitious third-party services, inadequate conflict of interest reviews, improper management of financial reimbursements, and insufficient coverage of integrity assessments [1] - The first two cases involve a securities branch that created fictitious service agreements to pay referral fees, violating principles of integrity and potentially leading to improper economic benefits [2] - The second case involves a conflict of interest where a securities branch failed to conduct due diligence on a media company linked to an employee's spouse, raising concerns about potential conflicts [2] Group 2: Importance of Conflict of Interest Management - Effective conflict of interest management is crucial to curb commercial bribery and ensure market fairness, making it a rigid requirement for compliance [3] - If conflict of interest reviews are merely formalities without a robust mechanism, it may lead to resource misuse and legal risks [3] Group 3: Financial Reimbursement and Integrity Assessments - The report highlights issues in financial reimbursement processes, such as lack of prior approval and missing details on invoices, emphasizing the need for strict financial management [4] - Integrity assessments should cover all staff, including outsourced personnel, to prevent systemic corruption risks and enhance overall compliance awareness [4]

Core Viewpoint - Chongqing Haier Microfinance Company has been fined a total of 551,000 yuan for violations related to credit information management, highlighting ongoing regulatory scrutiny in the microfinance sector [1][4]. Regulatory Actions - Chongqing Haier Microfinance was fined 480,000 yuan for violating regulations on credit information collection, provision, and inquiry [2] - The company's former Big Data Director was fined 71,000 yuan for being responsible for the violations [3] Regulatory Context - In January 2025, the National Financial Supervision Administration issued interim measures for the supervision of microfinance companies, emphasizing the protection of consumer data and requiring explicit consent for data collection [4] Company Background - Chongqing Haier Microfinance was established in 2014 with a registered capital of 1.925 billion yuan and is one of the first licensed internet microfinance companies in China [4] - The company offers various loan products, including "Wanlian Puhui Loan" with an annual interest rate of 12%-24% and loan amounts ranging from 50,000 to 5 million yuan [5] Ownership Structure - Chongqing Haier Microfinance is wholly owned by Chongqing Haier Cloud Chain Technology, which is fully controlled by Haier Group's financial subsidiary [5] Market Position and Recommendations - Analysts suggest that Chongqing Haier Microfinance has not developed a competitive business model in recent years and should leverage its parent company's resources to create a unique market presence [6] - Recommendations include strict adherence to regulatory requirements and the development of new financial products that align with market demands and policy directions [6]

中国经济网北京5月16日讯吉林证监局5月15日发布关于对国盛证券有限责任公司长春景阳大路证券营业 部采取出具警示函监管措施的决定(吉证监决〔2025〕6号)。 经查，吉林证监局发现国盛证券有限责任公司长春景阳大路证券营业部存在以下问题： 一是未有效履行适当性管理职责，对个别投资者的个人信息核查不充分。二是对客户异常交易行为的监 测不完善。三是对从业人员及其配偶、利害关系人投资行为的监控不到位。 上述行为违反了《证券期货投资者适当性管理办法》(证监会令第202号)第三条、《证券经纪业务管理 办法》(证监会令第204号)第二十五条第一款和《证券基金经营机构董事、监事、高级管理人员及从业 人员监督管理办法》(证监会令第195号)第四十五条的规定。 根据《证券期货投资者适当性管理办法》第三十七条、《证券经纪业务管理办法》第四十三条和《证券 基金经营机构董事、监事、高级管理人员及从业人员监督管理办法》第五十一条第一款的规定，吉林证 监局决定对国盛证券有限责任公司长春景阳大路证券营业部采取出具警示函的行政监督管理措施。 《证券期货投资者适当性管理办法》(证监会令第202号)第三条规定：向投资者销售证券期货产品或者 提供证 ...