（原标题：这家银行，被罚！） 【导读】因多项业务违规，湖州银行被罚超427万元，4名涉事责任人被罚 中国基金报记者 嘉合 记者梳理发现，本次罚单可谓是湖州银行成立以来收到的处罚金额最大的一笔罚单。同时，从处罚涉及 的部门来看，包含了运营管理部、零售银行部以及法律合规部的总经理及副总。 9月22日，中国人民银行浙江省分行于日前披露对湖州银行处罚决定信息。因多项业务违规，湖州银行 被给予警告并罚款427.05万元，这也是该行自成立以来被开具的最大金额罚单。 因多项业务违规被罚超427万元 处罚决定信息显示，湖州银行存在的违法违规行为包括以下几点： 违反金融统计管理规定；违反账户管理规定；违反商户管理规定；违反反假货币业务管理规定；占压财 政存款或者资金；违反信用信息采集、提供、查询及相关管理规定；未按规定保存客户身份资料和交易 记录；未按规定报送大额交易报告或者可疑交易报告。 历时近6载IPO上市仍未实现 公开资料显示，湖州银行成立于1998年6月，前身是湖州市商业银行，于2010年改建为湖州银行，是中 国浙江省湖州市的一家区域性股份制商业银行，在嘉兴等地设有分支机构。 财报数据显示，截至2024年末，湖州银行总 ...

中国经济网北京9月22日讯 广州银行近日发布的2025年上半年信息披露报告显示，2025年上半年， 广州银行实现营业收入67.02亿元，较2024年上半年的74.60亿元下降10.16%。 截至2025年6月末，广州银行资产总额9,093.52亿元，负债总额8,525.96亿元，所有者权益567.56亿 元。 李大龙于2025年1月起任广州银行董事长。2024年12月4日，广州银行第七届董事会第八次临时会议 选举李大龙为广州银行董事长。2025年1月24日，李大龙董事长、董事任职资格获国家金融监督管理总 局广东监管局核准。 广州银行的营业收入已连降两年，净利润已连降四年。2020年至2024年，广州银行的营业收入分别 为149.18亿元、165.64亿元、171.53亿元、160.03亿元、137.85亿元；归属于母公司股东的净利润分别为 44.55亿元、41.01亿元、33.39亿元、30.17亿元、10.12亿元；扣除非经常性损益后归属于母公司股东的 净利润分别为44.29亿元、40.78亿元、32.73亿元、30.87亿元、11.66亿元。 2025年1月17日，深交所网站公布关于终止对广州银行股份有限 ...

《中国科技投资》龙秋月 近日，国家金融监督管理总局集中公布一系列罚单。其中，广发银行股份有限公司（以下简称"广发银行"）、恒丰银行股份有限公司（以下简称"恒丰银 行"）两家股份制银行均被罚款超过6000万元。两家银行此次所涉及的违规事由相似，被罚款的金额相近，违规事由亦是监管部门处罚中较为常见的违规类 型。 相似的是，目前未上市的全国性股份行仅剩广发银行、恒丰银行两家。对拟上市银行而言，合规是重要的一环，不仅需满足监管对风控、数据、内控的硬性 要求，也需靠合规建立市场信心。从近年来收到罚单的情况来看，两家银行在合规建设方面或仍有提升空间。 双双领千万级罚单 通过公开信息梳理发现，广发银行上一次领到千万级罚单还是在2023年。金罚决字〔2023〕5号显示，广发银行因小微企业划型不准确、违规发放房地产贷 款、违规发放流动资金贷款等十四项违规事由，合计被罚款2340万元。其中，总行550万元、分支机构1790万元。 今年年初，恒丰银行方才收到一张千万罚单。中国人民银行于1月27日公布的罚单显示，恒丰银行因违反账户管理规定、违反反假币业务管理规定、占压财 政存款或者资金等八项违规事由，被警告并罚款1060.68万元。 ...

Core Viewpoint - Hengfeng Bank has faced significant regulatory penalties for multiple violations, particularly related to concealing non-performing loans, indicating ongoing issues with asset quality and compliance [1][2][3]. Regulatory Penalties - Hengfeng Bank's Chongqing branch was fined 2.6 million yuan for covering up non-performing loans and other violations, marking the third penalty exceeding one million yuan this year [1][2]. - The total fines for Hengfeng Bank in 2025 have reached 17.56 million yuan, an increase of nearly 80% compared to the entire year of 2024 [2]. - Previous penalties include a 1.06 million yuan fine for eight violations, including account management and customer identification failures [3]. Asset Quality and Non-Performing Loans - Hengfeng Bank's non-performing loan ratio stands at 1.49%, ranking 9th among 12 joint-stock banks, which is higher than the average of 1.22% [6]. - The bank's credit impairment losses reached 8.613 billion yuan in 2024, a year-on-year increase of 19.5% [6]. - The bank has a significant historical loss, with undistributed profits amounting to -27.401 billion yuan as of the end of 2024 [6]. Asset Disposal Strategies - Hengfeng Bank is actively disposing of non-performing assets, with a recent transfer of non-performing assets valued at 5.465 billion yuan to its major shareholder, Shandong Financial Asset Management [5]. - The bank has been involved in disposing of over 77 asset packages, totaling more than 23.6 billion yuan, with many assets linked to its branches in Chengdu, Hangzhou, and Kunming [5]. Capital Needs and Challenges - Hengfeng Bank has been struggling with capital adequacy, having issued perpetual bonds totaling 28 billion yuan from 2020 to 2022 and 15 billion yuan in subordinated debt in 2024 [8][9]. - Despite these efforts, the bank's capital adequacy ratios have declined significantly in early 2025, indicating ongoing capital pressure [8]. - The bank plans to conduct a private placement to raise core tier one capital, but faces uncertainties due to historical losses and compliance issues [9].

8月12日，新疆金融监管局发布批复显示，监管已核准李新生乌鲁木齐银行行长的任职资格。 前任行长在任仅半年 据当地媒体新疆网报道，4月30日，乌鲁木齐银行振华街支行开业，彼时，李新生以乌鲁木齐银行党委副书记身份出席开业仪 式并致辞。在该行4月28日举行的2024年度股东大会上，该行刚审议了选举李新生为董事的相关议案。 值得一提的是，乌鲁木齐银行此次行长"上新"，人选并不是此前代为履行行长职责的副行长方炜钏。此外，在乌鲁木齐银行 2024年年报中，李新生也并未出现在高管行列。 | 姓名 | 职务 | 任职状态 | 性别 | 年龄 | | 任职起始时间任期终止日期年初持股 年末持股 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 刘亚东 | 党委副书记、行长 | 离任 | 男 | ਟੇਰੇ | 2018年12月 | 2024年6月 | - | | | 王辉 | 党委副书记、行长 | 现任 | 男 | 52 | 2024 年 11 月 | - | - | | | 梁 波 | 党委委员、副行长 (援疆) | 现任 | ਜੇਤੇ | 47 | ...

Core Viewpoint - Shunde Rural Commercial Bank has withdrawn its IPO application due to strategic planning adjustments, with plans to potentially restart based on market conditions in the future [1][3]. Group 1: IPO Withdrawal Details - The bank's IPO application was initially approved by the Guangdong Banking and Insurance Regulatory Commission in May 2019, and it was accepted by the China Securities Regulatory Commission in June 2019 [2]. - The bank's IPO process faced multiple interruptions, with its application status fluctuating between "suspended" and "accepted" due to outdated financial data [2][3]. - As of July 4, 2023, the Shenzhen Stock Exchange officially terminated the review of the bank's IPO application [1][3]. Group 2: Company Background - Shunde Rural Commercial Bank, established in 2009, is one of the first three rural commercial banks restructured in Guangdong and is located in a region known for its strong private economy [4]. - The bank has a total share capital of nearly 5.1 billion shares, with state-owned shareholders holding about 10% and over 87,000 shareholders concentrated in local private enterprises and residents [4]. - Major shareholders include Midea Group, which holds 9.77%, and Wanhe Group, which holds 5.79% [4][5]. Group 3: Industry Context - The trend of banks withdrawing IPO applications has increased, with several banks citing strategic planning adjustments as the reason for their withdrawals [7]. - As of now, only five banks remain in the IPO queue, indicating a significant reduction in the number of banks seeking public listings [7]. - The banking sector is experiencing a shift, with many banks focusing on internal operations rather than pursuing public offerings amid changing regulatory and market conditions [7].

Core Viewpoint - The listing progress of Guangfa Bank has been stagnant for years, with no substantial advancements despite its strong qualifications as a national systemic important bank. The bank's internal discussions have shifted away from the topic of listing, reflecting a broader trend of stagnation in bank IPOs in recent years [1][5][21]. Group 1: Listing History and Challenges - Guangfa Bank has been planning to go public since 2009, but its journey has faced numerous setbacks, including halted and terminated listing guidance, and changes in major shareholders from Citigroup to China Life [1][5]. - The bank's listing ambitions have diminished in recent years, with no mention of IPO plans in its 2023 and 2024 annual reports, indicating a lack of independent listing preparation departments [1][5]. - The bank's internal sources attribute the stagnation to a combination of external factors, such as a low probability of A-share listings, and internal issues like unstable performance and governance challenges [1][5]. Group 2: Market Context and Comparisons - The period from 2006 to 2016 was considered a "golden period" for bank listings, with high revenue growth and initial public offering (IPO) price-to-book ratios exceeding 1, while recent years have seen a decline in bank valuations [5][6]. - Currently, there are 42 banks listed in A-shares and 33 in Hong Kong, with only 60 commercial banks having successfully gone public, highlighting the competitive and challenging nature of the market [6][8]. - The bank's asset scale has lagged behind peers, with its total assets in 2024 being only 30% of those of China Merchants Bank, indicating a widening gap due to missed listing opportunities [21][26]. Group 3: Financial Performance and Strategic Shifts - Guangfa Bank's financial performance has shown signs of decline, with a 14% drop in revenue and net profit from their peak values in 2020 and 2021, respectively [21][23]. - The bank's total assets reached 3.6 trillion yuan by the end of 2024, positioning it as a significant player among unlisted banks, yet it still faces challenges in capital adequacy and market positioning [28]. - China Life's acquisition of a controlling stake in Guangfa Bank has led to strategic shifts, emphasizing collaboration with insurance services and state-owned enterprises, but the complexity of shareholder interests remains a challenge for future listing efforts [19][20].

Core Viewpoint - The report highlights ongoing challenges faced by banks in the IPO process, particularly issues related to shareholding compliance and asset verification, with a focus on the recent developments of Rugao Rural Commercial Bank's IPO guidance progress [1][2]. Group 1: IPO Guidance Progress - Rugao Rural Commercial Bank has released its 26th progress report on IPO guidance, indicating ongoing due diligence by Dongfang Securities and other intermediaries during the guidance period from April 14 to July 9, 2025 [1][2]. - The bank is facing issues such as shareholding pledges and frozen shares, with 170 million shares pledged (15.15% of total shares) and 135 million shares frozen (12% of total shares) as of June 30 [1]. Group 2: Industry Overview - Currently, 15 banks are in the IPO guidance filing period, with some banks, like Hankou Bank, having been in this stage for over 14 years and releasing 61 progress reports [1][2]. - The report notes that issues such as shareholding structure and asset verification are critical topics during the IPO guidance process, with several banks facing compliance challenges [3]. - As of now, five banks are waiting to go public on the A-share market, with three on the Shanghai Stock Exchange and two on the Shenzhen Stock Exchange, indicating a stagnant IPO environment since the last bank listed in January 2022 [3]. - The capital adequacy ratio for banks was reported at 15.28% at the end of the first quarter, showing a year-on-year decline of 15 basis points, with city commercial banks and rural commercial banks at 12.44% and 12.96%, respectively [3]. Group 3: Market Sentiment - Despite the challenges, there is a strong desire among banks to pursue IPOs, with the need to clarify shareholding relationships and meet compliance requirements being crucial for successful listings [1][4]. - Analysts suggest that while the outlook for small and medium-sized banks in terms of IPOs is not optimistic due to competitive disadvantages and economic transformation, many banks are still actively planning for listings [4].

Core Viewpoint - The news highlights the contrasting situations of small and medium-sized banks in China, with some seeking to enter the A-share market while others, like Jiutai Rural Commercial Bank, are planning to delist due to poor financial performance and lack of investor confidence [1][2][3]. Group 1: Jiutai Rural Commercial Bank's Delisting - Jiutai Rural Commercial Bank announced a voluntary conditional cash offer for all issued H-shares at HKD 0.7 per share, representing a 70.73% premium over the last trading price of HKD 0.41 [1][2]. - The bank expects a net loss of RMB 17 billion to 19 billion for the year ending December 31, 2024, primarily due to reduced interest income and increased provisions for credit risk [3][4]. - The bank's H-shares have been suspended from trading since March 12, 2024, with a total market value of approximately HKD 21 billion [2][4]. Group 2: IPO Activities of Other Banks - Several small and medium-sized banks, including Dongguan Bank and Guangdong Nanhai Rural Commercial Bank, are actively seeking to list on the A-share market, with their IPO applications currently under review [5][7]. - Dongguan Bank aims to use the funds raised from its IPO to enhance its capital adequacy and competitiveness, while Guangdong Nanhai Rural Commercial Bank emphasizes the need for a sustainable capital replenishment mechanism [7][8]. - A significant number of banks, such as Guilin Bank and Gansu Bank, are in the listing guidance phase, indicating a strong interest in entering the market despite challenges [11][12]. Group 3: Market Context and Challenges - The A-share market has not seen new bank listings for three consecutive years since Lanzhou Bank's debut in January 2022, while the Hong Kong market welcomed Yibin Bank earlier this year [12]. - The implementation of a comprehensive registration system presents both opportunities and challenges for banks, as factors like asset quality and capital adequacy will significantly impact their ability to list [12][13]. - Historical issues, such as unresolved property rights and ongoing legal disputes, pose additional hurdles for banks like Guilin Bank and Hankou Bank in their listing efforts [13][14].

Core Viewpoint - Shunde Rural Commercial Bank has withdrawn its IPO application, marking the second bank to do so since 2025, following Guangzhou Bank earlier this year [1][2] Group 1: IPO Withdrawal - Shunde Rural Commercial Bank decided to pause its IPO process for strategic planning reasons after an 8-year preparation period [1] - The bank's IPO application was accepted by the Shenzhen Stock Exchange on March 3, 2023, with plans to issue up to 1.694 billion shares, accounting for 25% of the post-issue total [1][2] - The bank's IPO review status fluctuated between "suspended" and "accepted" due to outdated financial data in the application [2] Group 2: Market Context - In 2024, several banks including Bozhou Yaodu Rural Commercial Bank and Jiangsu Hai'an Rural Commercial Bank also withdrew their IPO applications [2] - Currently, five banks are still waiting for their IPO approvals in the A-share market, with three on the Shanghai Stock Exchange and two on the Shenzhen Stock Exchange [2] Group 3: Capital Supplementation - Industry insiders suggest that banks are looking towards diversified capital supplementation channels, especially after withdrawing IPO applications [3] - Some banks, such as Zhejiang Chouzhou Commercial Bank and Shanxi Bank, have received approval for issuing secondary capital bonds to enhance their capital strength [3] - The importance of a clear ownership structure, sound corporate governance, stable profitability, and good market prospects is emphasized for banks seeking IPOs under the registration system [3] Group 4: Capital Sources - Retained earnings from bank operations are highlighted as a primary source of internal capital supplementation [4] - External capital can be supplemented through various means such as IPOs, share placements, and issuing perpetual bonds or secondary capital bonds [4]