又见"天价罚单"！ 10月31日，国家金融监管总局公布的行政处罚信息公示列表显示，中国银行、农业银行、民生银行、平安银行、浦发银行5家银行均收到 千万元级罚单，合计罚款金额超2.15亿元，且多名相关负责人员被警告、罚款。 | | 中国银行股份有 | 相关公司治理、贷款、 同业、票据、资产质 | 对中国银行版价自限公 | | | --- | --- | --- | --- | --- | | | | | 司罚款9790万元。 | 金融监管 | | 1 | 限公司及相关责 | | 对陈梓、刘伶俐、张惠 | | | | 任人员 | 量、不良资产处置等业 | 娟、何春耕、余荣刚警 | 总局 | | | | 务管理不审慎 | | | | | | | 告并罚款合计30万元。 | | | | 中国农业银行股 | 相关产品销售、服务收 | 对中国农业银行股份有 限公司罚款2720万元。 | 金融监管 | | 2 | 份有限公司及相 | 费不合规,信贷资金流 | | | | | | | 对张清警告并罚款10万 | 总局 | | | 关责任人员 | 向管理不审慎等 | | | | | | | 元。 对中国民生银行股份有 | | ...

光大银行杭州分行罚单金额为391.75万元，仅次于建德农商行，其违法行为类型与建德农商行基本一 致，并有7名相关负责人被罚款。龙泉农商行排名第三，罚单金额303.36万元，5名相关负责人被罚款。 具体看，其共有六项违法行为类型：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。 记者注意到，除桐庐农商行罚单金额为75万元外，其余银行罚单均在百万级别。其中，建德农商行被罚 款579.5万元，为最大罚单；时任该行运营管理部总经理、计划财务部总经理、零售金融部副总经理、 零售金融部科员、业务管理科科员、新安江支行客户经理、大洋支行三河分理处客户经理等8名相关负 责人被警告及罚款。 罚单显示，建德农商行违法类型达10条之多。包括违反金融统计管理、账户管理、商户管理、反假货币 业务管理等规定；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 履行客户身份识别义务；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可疑交 易报告；与身份不明的客户进行交易。 10月以来，央行浙江分行 ...

据21世纪经济报道记者不完全统计，10月共有6家银行被处罚，累计罚没超1600万元；还有25名相关负 责人被警告或罚款，处罚金额从0.75万元到10万元不等。涉及的银行包括光大银行杭州分行、淳安农商 行、桐庐农商行、建德农商行、松阳恒通村镇银行、龙泉农商行。 21世纪经济报道记者 边万莉 实习生马名扬 10月以来，央行浙江分行集中公布了一批罚单。 此外，松阳恒通村镇银行因违反金融统计管理规定、违反账户管理规定、违反反假货币业务管理规定、 未按规定报送大额交易报告或者可疑交易报告，被罚款122.6万元。时任该行计划财务部总经理对"未按 规定报送大额交易报告或者可疑交易报告"违法行为负有责任，被罚款2.75万元。 罚单显示，建德农商行违法类型达10条之多。包括违反金融统计管理、账户管理、商户管理、反假货币 业务管理等规定；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 履行客户身份识别义务；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可疑交 易报告；与身份不明的客户进行交易。 光大银行杭州分行罚单金额为391.75万元，仅次于建德农商行，其违法行为类型与建德农商行基本 ...

| ব | 重庆银行股份有限 | | 贷款"三查" | 罚款共计 | | | --- | --- | --- | --- | --- | --- | | | 公司 | 渝金管罚 | 不尽职、投资 | 220万元 | | | | | 决字 | 业务不审慎 | | 重庆金融 | | | | (2025) | 贷款"三查" | | 监管局 | | 5 | 刘晓娜 | 23号 | 不尽职部分问 | 警告 | | | | | | 题 | | | 此前，重庆银行也因贷款问题收到大额罚单。2024年6月，国家金融监督管理总局重庆监管局发布的行政处罚信息公开表显示，重庆银行因贷款风险分类不 准确、资金投向不合规且未按约定用途使用等五项违规事由，被合计罚款200万元。 重庆银行的具体违规事由包括贷款风险分类不准确、资金投向不合规且未按约定用途使用、对政府平台项目风险管控不到位、贷前调查不尽职、小微企业抵 押评估费用由借款企业承担。时任重庆银行资产管理部总经理万书华被警告。 10月22日，重庆金融监管局发布的行政处罚信息公开表显示，重庆银行因贷款"三查"不尽职、投资业务不审慎，被罚款共计220万元。同时，相关责任人刘 晓娜因贷款 ...

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]

Core Insights - The banking industry in China has faced significant regulatory penalties in 2023, with a total of 16.64 billion yuan in fines, marking a 14.71% increase compared to the same period last year [2][5][6]. Summary by Category Regulatory Penalties Overview - In the first three quarters of 2023, the banking sector received 4,583 regulatory fines, with September alone accounting for 4.37 billion yuan, which is 26.26% of the total fines for the year [2][5]. - The total fines for the banking industry have surpassed 16 billion yuan, indicating a growing trend in regulatory scrutiny [2]. Breakdown by Bank Type - Joint-stock banks have been the most penalized, with fines totaling 4.97 billion yuan, representing 30% of the total fines. They received 271 fines, with an average penalty of 1.85 million yuan [5][6]. - Agricultural commercial banks were fined 4 billion yuan, with 552 penalties issued and an average fine of 728,700 yuan [6]. - State-owned banks faced fines of 2.74 billion yuan, with 406 penalties and an average fine of 682,300 yuan [6]. - City commercial banks received fines totaling 1.88 billion yuan, with 169 penalties and an average fine of 1.13 million yuan [6]. Foreign and Policy Banks - Foreign banks had a high average penalty of 1.76 million yuan, with 13 fines issued. Notably, Yuanta Bank was fined 14.85 million yuan for regulatory violations [7]. - Policy banks received 52 fines with an average penalty of 1.46 million yuan [7]. Common Violations - The most frequent violations were related to credit business, with 349 fines issued for inadequate loan checks, accounting for 20% of all penalties [9]. - There were 54 fines related to inaccurate classification of credit assets, which can obscure the true risk faced by banks [9][10]. - Violations in anti-money laundering practices were also common, with 16% of penalties related to failure to properly identify customer identities [10].

以下文章来源于21世纪经济报道 ，作者21记者 邮储银行 因"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"等违法违规行 为，邮储银行被罚没2791.67万元，相关责任人黄文贤被给予警告并罚款5万元。 邮储银行回应称，国家金融监督管理总局于2023年和2024年对邮储银行开展了相关检查，并于近 日就有关问题下达了处罚结果。该行高度重视监管意见，按照监管要求有序推动整改。同时，该行 始终将监管检查和指导作为促进各项业务合规发展的契机，通过完善制度、优化流程、强化执行、 改进系统等措施，不断推动公司治理体系优化和内控管理水平提高。下一步邮储银行将严格落实监 管要求，坚持依法合规经营，坚定不移推进高质量发展，全力服务实体经济，向广大客户提供优质 金融服务。 中信百信银行 因"相关互联网贷款等业务管理不审慎、监管数据报送不合规等"违法违规行为，合 计被罚1120万元；相关责任人于晓红取消高级管理人员任职资格5年，朱祎敏被给予警告。 中信百信银行对此表示，近日该行收到有关行政处罚决定书，此次处罚事项源自国家金融监督管理 总局于2023年对该行的业务监督检查，处罚涉及的业务发生在2021年1月1日至202 ...

资产质量方面，截至2025年6月末，光大银行不良贷款余额为509.15亿元，较上年末增加16.63亿元；不良贷款率为1.25%，与上年末持平；拨备覆盖率为 172.47%，较上年末下滑8.12个百分点。此外，该行资本充足类各级指标均出现不同程度下滑，但符合监管标准。 截至2025年6月末，该行在境内设立分支机构1321家，营业网点1166家；境外设立分支机构7家。 二级市场上，光大银行近期表现不乐观。自7月10日创出4.42元的历史新高后，该股持续阴跌。截至9月30日收盘，该股报3.36元/股，调整幅度约24%。 9月28日，国家金融监督管理总局丹东监管分局发布的行政处罚信息显示，因贷款"三查"严重不到位，中国光大银行丹东分行被罚款50万元。隋晓明（时 任中国光大银行丹东分行公司业务部经理兼丹东分行营业部经理）被取消高级管理人员任职资格3年。 | 序号 | 当事人名称 | 行政处罚决定书文号 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | --- | | | 中国光大银行丹 | 丹金罚决字(2025)26号 | 贷款"三查"严重不 ...