【文/羽扇观金工作室】 12月15日，国家金融监督管理总局永川监管分局披露一则行政处罚信息，渝农商行荣昌支行因内控管理 问题被处以70万元罚款。 | 国家金融监督管理总局 重庆监管局 | | | | | | 无障保障度 管 F2 | | --- | --- | --- | --- | --- | --- | --- | | | | | | | | 请输入您要搜索的内容 ... Q 1 | | 个 机构概况 新闻登讯 政务信息 在线服务 互动交流 红动交流 机计数据 | | | | | | | | 当前位置: 首页 > 政务信息 > 行政处罚 > 监管分局本报行政处罚 | | | | | | | | 发布时间:2025-12-15 来源:重庆监管局 | | 文康参型:滕创 | | | | 2010 6 th 4 the matter and and and and the s | | 国家金融监督管理总局永川监管分局行政处罚信息公开表 | | | (永川金管罚决字 (2025) 3号) | | | | | 行政处罚决 | 序 当事人名称 号 | 定书文母 | 主题遇法违规 行为 | 行政处罚内 27 | 作出决 ...

警告。 丽水监管分局披露的行政处罚信息公开表显示，邮储银行丽水市分行因存在代理销售业务管理不审慎、个人贷款三查不到位等问题，被罚款90万元，相关责 任人季宇浩、邱慧英、洪菁菁、梅民勇分别被给予警告。 今年以来，邮储银行频频收到"罚单"，此前更是收到一张千万元罚单。9月30日，国家金融监督管理总局披露的行政处罚信息公示列表显示，对邮储银行罚 没合计2791.67万元，并对黄文贤给予警告并罚款5万元，涉及的主要违法违规行为包括相关贷款业务、互联网贷款业务、绩效考核、合作业务等管理不审 慎。 国家金融监督管理总局北京监管局公布的行政处罚信息表显示，邮储银行信用卡中心因存在违规开展商品电销分期业务、提前还款收取全额手续费、授信管 理不审慎、交易监测管控不到位、发卡营销业务违规外包、EAST数据报送不准确等问题，被处以罚款300万元。相关责任人郭涛、王世航、童勤三人分别被 给予警告，并被各处罚款5万元。 | 序号 | 当事人名称 | 主要违法违规行为 违规开展商品电销分期 | 行政处罚内容 对中国邮政储蓄银 | 作出决定机关 | | --- | --- | --- | --- | --- | | I | 中国邮政储蓄银 ...

12月12日，国家金融监督管理总局披露的行政处罚信息显示，重庆三峡银行被重庆监管局罚款共计890 万元，具体违法违规行为包括：内控管理不到位；违规发放贷款；"三查"严重不尽职；虚增普惠金融服 务数据；金融资产风险分类不准确，拨备计提不足；非标准化债权类资产的终止日晚于封闭式理财产品 的到期日；授信管理不尽职等，员工行为管理不到位。同时，该行多名原高管人员受到监管部门的处 罚。 时任重庆三峡银行计划财务部副总经理、结算运营部总经理的刘鸣昊被终身禁业。 时任重庆三峡银行副行长、行长的王良平因内控管理不到位，授信管理不尽职，"三查"严重不尽职中部 分问题，被取消高级管理人员任职资格10年。 时任重庆三峡银行副行长的胥玲被给予警告处分，并被取消高级管理人员任职资格5年。 时任重庆三峡银行行长、董事长的丁世录因授信管理不尽职，"三查"严重不尽职部分问题，被终身禁止 从事银行业工作。 ...

Core Points - The National Financial Regulatory Administration announced significant fines totaling over 215 million yuan for five major banks in China, including China Bank, Agricultural Bank, Minsheng Bank, Ping An Bank, and Shanghai Pudong Development Bank, due to various regulatory violations [1][4]. Group 1: China Bank - China Bank was fined 97.9 million yuan for issues related to corporate governance, loan management, interbank transactions, bill management, asset quality, and non-performing asset disposal [4]. - Five responsible personnel received warnings and fines totaling 300,000 yuan [4]. - The bank emphasized its commitment to rectifying the identified issues and improving risk management and internal controls [4]. Group 2: Agricultural Bank - Agricultural Bank faced a fine of 27.2 million yuan for non-compliance in product sales, service fees, and improper management of credit fund flows [5]. - One responsible individual was warned and fined 100,000 yuan [5]. - The bank stated that the penalty was a follow-up to previous inspections and highlighted its efforts in addressing the regulatory concerns [5]. Group 3: Minsheng Bank - Minsheng Bank was fined 58.65 million yuan for imprudent management of loans, bills, and interbank transactions, as well as non-compliance in data reporting [5]. - Six responsible personnel received warnings and fines totaling 360,000 yuan [5]. - The bank had previously been fined 5.9 million yuan in September for issues related to system management and operational controls [5]. Group 4: Ping An Bank and Shanghai Pudong Development Bank - Both Ping An Bank and Shanghai Pudong Development Bank were fined for imprudent management of internet loans and agency sales [5]. - Ping An Bank was fined 18.8 million yuan, with two personnel receiving warnings and fines totaling 100,000 yuan [5]. - Shanghai Pudong Development Bank was fined 12.7 million yuan, with one personnel receiving a warning and a fine of 70,000 yuan [5].

Core Insights - In October, the Zhejiang branch of the central bank issued fines to six banks, totaling over 16 million yuan, with 25 individuals receiving warnings or fines ranging from 7,500 to 100,000 yuan [1] - The primary violations included failure to report large transactions or suspicious transactions and conducting transactions with unidentified clients, affecting all six banks involved [1] Group 1: Penalties and Violations - A total of six banks were penalized, with the largest fine of 5.795 million yuan imposed on Jiande Rural Commercial Bank, which had ten types of violations [2] - Other banks fined include Everbright Bank Hangzhou Branch with a penalty of 3.9175 million yuan and Longquan Rural Commercial Bank with 3.0336 million yuan [2] - The violations across these banks included breaches of financial statistical management, account management, merchant management, and anti-counterfeit currency regulations [2] Group 2: Specific Violations - Jiande Rural Commercial Bank's violations included failing to perform customer identity verification and not maintaining customer identity data and transaction records [2] - Everbright Bank Hangzhou Branch's violations were similar to Jiande's, with seven related individuals penalized [2] - Longquan Rural Commercial Bank faced six types of violations, including financial statistical management and account management breaches [2]

Core Viewpoint - In October, the Zhejiang branch of the central bank issued a series of fines to six banks, totaling over 16 million yuan, with 25 responsible individuals also facing warnings or fines [1][3]. Group 1: Penalties Overview - A total of six banks were penalized, with fines exceeding 16 million yuan, and 25 individuals received warnings or fines ranging from 7,500 yuan to 100,000 yuan [1][3]. - The banks involved include Everbright Bank Hangzhou Branch, Chun'an Rural Commercial Bank, Tonglu Rural Commercial Bank, Jiande Rural Commercial Bank, Songyang Hengtong Village Bank, and Longquan Rural Commercial Bank [1]. Group 2: Types of Violations - The most common violations included failure to report large transactions or suspicious transactions and conducting transactions with unidentified clients, affecting all six banks [3]. - Jiande Rural Commercial Bank received the largest fine of 5.795 million yuan, with violations spanning ten categories, including financial statistics management and customer identity verification [3][4]. Group 3: Specific Bank Penalties - Everbright Bank Hangzhou Branch was fined 3.9175 million yuan, with violations similar to Jiande Rural Commercial Bank, and seven responsible individuals were penalized [4]. - Longquan Rural Commercial Bank faced a fine of 3.0336 million yuan, with five individuals penalized for six types of violations, including financial statistics and account management [4]. - Songyang Hengtong Village Bank was fined 1.226 million yuan for violations related to financial statistics and transaction reporting, with the financial department head fined 27,500 yuan for specific violations [5].

Group 1 - Chongqing Bank was fined a total of 2.2 million yuan for negligence in loan "three checks" and imprudent investment practices [1][2] - The financial regulatory authority in Chongqing issued a warning to Liu Xiaona for her part in the negligence related to the loan "three checks" [2] - In June 2024, Chongqing Bank faced another fine of 2 million yuan for five violations, including inaccurate loan risk classification and improper fund allocation [1] Group 2 - Specific violations by Chongqing Bank included inadequate risk control for government platform projects and failure to conduct due diligence in pre-loan investigations [1] - The former general manager of the bank's asset management department, Wan Shuhua, received a warning for these issues [1]

Core Points - Bohai Bank's Wuhan branch has been fined 743,000 yuan for multiple violations, including account management and anti-counterfeit currency regulations [2][3] - The bank has received a total of 12 fines this year, primarily affecting its first-level branches and direct branches [4] Summary by Category Regulatory Violations - The Wuhan branch was penalized for five specific violations: failure to comply with account management regulations, financial technology management regulations, anti-counterfeit currency management regulations, credit security management regulations, and customer identity verification obligations [3] - Two responsible individuals from the Wuhan branch were also fined for failing to meet customer identity verification requirements, with fines of 15,000 yuan and 11,000 yuan respectively [3] Financial Performance - In the first half of the year, Bohai Bank reported operating income of 14.215 billion yuan, an increase of 8.14% year-on-year, and a net profit of 3.83 billion yuan, up 3.61% year-on-year [4] - As of the end of June, the bank's total assets amounted to 1.8238 trillion yuan, a decrease of 1.09% from the end of the previous year, with a non-performing loan ratio of 1.81%, an increase of 0.05 percentage points [4] Fines Overview - The bank has received 12 fines this year, with the highest fine being 950,000 yuan imposed on its Taiyuan branch for inadequate credit investigation and employee management [4]

Group 1 - Zhejiang Zhuji United Village Bank is initiated by Hangzhou United Bank, which has increased its stake in the bank to 51%, achieving absolute control [1] - The increase in stake was reported to and approved by the banking regulatory authority [1] Group 2 - Zhejiang Zhuji United Village Bank was fined 550,000 yuan for imprudent management of personal business loans, including misuse of loan funds and issuing loans to public officials [2] - In July, the bank received a larger fine of 2.19 million yuan for five violations, including breaches of account management, merchant management, counterfeit currency regulations, credit information management, and transactions with unidentified clients [2]

Core Viewpoint - The Shenzhen branch of the Industrial and Commercial Bank of China (ICBC) has been fined 11.5 million yuan for multiple regulatory violations related to loan and guarantee business practices [1] Summary by Category Regulatory Actions - The Shenzhen Financial Regulatory Bureau has publicly announced the administrative penalties against ICBC's Shenzhen branch for violations including improper loan and guarantee business practices, exceeding authorized operations, and failure to execute actual loan disbursements [1] Financial Penalties - A total fine of 11.5 million yuan has been imposed on the Shenzhen branch of ICBC [1] - Specific penalties have been issued to responsible individuals, including a lifetime ban from the banking industry for Zhou Jie, and warnings and fines for other staff members ranging from 50,000 yuan to 100,000 yuan [1]