该行因涉及内控管理、信贷投放、数据真实性等八个方面的违法违规行为，被处以890万元 罚款，8名时任高管及中层人员受到追责，其中时任董事长丁世录、计划财务部副总经理刘 鸣昊被终身禁止从事银行业工作，时任行长王良平被取消高级管理人员任职资格10年，副行 长胥玲等多人也受到警告、禁业或罚款处罚。 值得注意的是，早在今年7月，重庆三峡银行已因违反金融统计管理、账户管理等多项规 定，被中国人民银行重庆市分行罚款559.2万元，短短5个月内两张百万级罚单累计金额达 1449.2万元。 时任董事长、行长被禁业 "终身追责"利剑高悬 此次罚单指向的多为"陈年旧案"，相关违规行为均发生在涉事人员任职期间，体现了监管部 门对历史责任人员穿透式、终身式的问责原则。 被罚的核心高管中，丁世录的任职轨迹颇具代表性。公开履历显示，时任行长、董事长丁世 录出生于1968年2月，早年深耕中国人民银行系统，历任重庆营管部外汇管理处副处长、合 作金融机构监管处副处长等职，后转战商业银行领域，担任过重庆市农村信用合作社联合社 副主任、重庆银行副行长等要职。其间，他还在工行短暂挂职，任国际业务部副总经理。 2010年10月，丁世录出任重庆三峡银行行 ...

日前，重庆监管局对辖内银行高管的一则禁业处分引发市场关注。 据披露，重庆三峡银行在经营中存在内控管理不到位、违规发放贷、"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 等8项违规事由； 针对上述事项，监管局对三峡银行除以罚单890万元，时任董事长、行长均遭遇禁业处罚，另有多名中层管理人员受到警告、罚款等不同程度处罚； 例如，通报显示三峡银行违规时丁世录的职位为行长、董事长，王良平为副行长、行长，这意味着，上述违规事项或贯穿该行两届领导班子。 其中，时任行长、董事长丁世录被禁止终身从事银行业工作； 副行长、行长王良平则被取消高级管理人员任职资格10年。 从处罚时间与人员履历看，上述违规事由应横跨多年、且情节严重： 在丁世录被调查的2021-2022年，三峡银行业绩曾出现较大波动，营收、净利增速分别下滑27.69个、19.91个百分点，后续业绩虽出现回升、但始终存在较大 波动。 丁世录是三峡银行任职时间最长的核心领导之一，曾于2010年出任行长、董事，2016年升任董事长，并在2016-2018年兼任董事长、行长职务； 王良平亦是该行"元老级"人物，自2008年成立起便担任副行长， ...

原标题：东莞银行业绩承压A股候场17年无果 两年被罚1332万董监高涨薪225万 长江商报消息 ●长江商报记者 徐佳 冲刺A股17年未果，东莞银行股份有限公司（以下简称"东莞银行"）正面临合规治理与业绩下滑的双重 挑战。 近日，中国人民银行广东省分行对东莞银行作出行政处罚决定。因违反金融统计、支付结算等相关规 定，东莞银行被警告并罚没387.04万元。 据长江商报记者不完全统计，2024年以来，东莞银行总行及分支机构合计被罚1332万元，其中百万级罚 单就有四张。 东莞银行的经营层面同样压力显现。2025年前三季度，东莞银行实现营业收入69.17亿元，同比减少约 9.4%；归属于母公司股东的净利润（以下简称"归母净利润"）25.46亿元，同比减少20.7%。继2024年之 后，东莞银行再次出现营收、归母净利润双降。 截至2025年9月末，东莞银行核心一级资本充足率已由2024年末的9.31%降至9.13%，资本补充需求迫 切。 值得关注的是，业绩下行期间，2024年，东莞银行的董监高薪酬总额2515万元，同比增加225万元，增 长9.8%。 在IPO进程屡因财务资料过期而中止、内控漏洞频现的背景下，如何完善治 ...

来源：行长要鉴 西子湖畔，又一家地方性银行行长辞任。 近日，杭州联合农村商业银行（简称：杭州联合银行）发布公告称，经该行董事会审议同意，不再担任 行长职务，由董事长林时益代为履行行长职责，代为履职期限自董事会决议通过之日起，至新任行长任 职资格获监管机构核准之日止。 公开简历显示，闻渊1970年6月出生，毕业于浙江大学，工商管理专业硕士学位，正高级经济师。曾任 浙江富阳农商银行副行长、浙江淳安农商银行董事长、浙江海宁农商银董事长。2021年12月，闻渊调任 杭州联合农商银行行长，在任4年左右。 值得一提的是，据杭州联合银行官微显示，该行10月21日召开的2025年三季度工作会议上，已未见闻渊 身影。而早前年内1月、2月、5月、7月该行分别召开的2024年度工作大会、2024年年度表彰大会、2025 年一季度工作会议、2025年中工作会议上，闻渊均以该行行长身份出席发言。 新董事长林时益与闻渊搭档时间并不长。今年4月，浙江萧山农商银行原董事长林时益，跨行履新杭州 联合银行董事长，接棒去年11月辞任的张海林。在张辞任、林接棒前，杭州联合银行由行长闻渊代为履 行董事长职责。不过，林、闻二人合作仅半年光景。 林时益出 ...

Core Viewpoint - Both Dongguan Bank and Nanhai Rural Commercial Bank have reported a decline in operating income and net profit for the first three quarters of the year, indicating ongoing financial challenges as they pursue their IPOs [2][3]. Financial Performance - Dongguan Bank achieved operating income of 6.918 billion yuan, a year-on-year decrease of 9.39%, and net profit of 2.544 billion yuan, down 20.66% from the previous year [3][4]. - Nanhai Rural Commercial Bank reported operating income of 4.277 billion yuan, a decline of 8.73%, and net profit of 1.865 billion yuan, down 17.08% year-on-year [4][5]. Revenue Structure - Dongguan Bank's net interest income remained relatively stable at 5.24 billion yuan, a slight decrease of 0.43%, but investment income fell significantly from 1.733 billion yuan to 1.343 billion yuan, a drop of 22.54% [4]. - Nanhai Rural Commercial Bank's net interest income decreased from 2.708 billion yuan to 2.528 billion yuan, a decline of 6.64%, while investment income increased from 1.329 billion yuan to 2.003 billion yuan, a growth of 50.75% [5]. IPO Status - Both banks' IPO applications have been repeatedly halted due to outdated financial information, marking the fourth time since March 2024 that their review status has changed to "suspended" [2][7]. - As of September 30, Dongguan Bank's core Tier 1 capital adequacy ratio was 9.13%, while Nanhai Rural Commercial Bank's was 12.51%, both showing a decline from the previous year [7]. Capital Supplementation - The banks are primarily relying on profit retention and the issuance of capital bonds for capital supplementation, but declining profitability is limiting their internal capital generation capabilities [8]. - Dongguan Bank issued 4 billion yuan in subordinated capital bonds, while Nanhai Rural Commercial Bank issued 3 billion yuan, providing some capital relief [8].

10月21日，深交所披露的信息显示，东莞银行与广东南海农商行的IPO审核状态由"已受理"再度变更 为"中止"，原因是财务资料已过有效期需补充提交。这已是两家银行年内第二次因相同问题暂停审核 ——今年3月31日首次中止后，6月30日曾通过更新资料恢复"已受理"状态，但仅三个月后再度陷入停 滞。 数据显示，截至上半年末，东莞银行的核心一级资本充足率降至9.24%，资本充足率13.74%，均低于行 业平均水平（10.93%、15.58%）；南海农商行的资本充足率14.93%，核心一级资本充足率12.4%。 在招股书中，东莞银行拟发行不超过7.8亿万股，募集资金全部用于补充资本金。广东南海农商行IPO拟 发行不超过13.2亿股，募集资金也全部用于补充核心一级资本。 实际上，为缓解资本压力，东莞银行2025年已发行两期金融债（45亿元），但内生资本补充能力不足问 题仍未解决。 业内人士表示，财务资料过期是表象，中小银行内部治理结构不完善、合规管理不足等问题，使得其在 满足上市要求方面面临较大挑战。像东莞银行，其自然人股东占比超98%的股权高度分散、无实际控制 人的结构及非息收入波动较大，对其构成上市实质性挑战；广东南海 ...

A股银行IPO市场再添波折。10月21日，北京商报记者注意到，东莞银行与广东南海农商行因财务资料 过有效期，IPO审核状态再度从中止后恢复的"已受理"回落至"中止"，这已是这两家银行年内第二次因 同一问题停滞。从2008年便开启上市征程的东莞银行，到2018年启动筹备的广东南海农商行，二者在漫 长的上市路程中更面临着营收净利双降、资本充足率低于行业平均的业绩压力。 广东南海农商行盈利压力更为明显。2025年上半年，该行实现营业收入32.78亿元，较去年同期下降 8.24%；实现净利润13.9亿元，较去年同期下滑14.17%，盈利指标持续承压。资本充足率方面，其核心 一级资本充足率与一级资本充足率均为12.4%，资本充足率14.93%。对比行业平均水平，2025年二季 度，商业银行平均核心一级资本充足率、一级资本充足率、资本充足率分别为10.93%、12.46%、 15.58%。两家银行的多项指标均低于这一平均标准。 中国（香港）金融衍生品投资研究院院长王红英分析指出，两家银行的财务规范性存在不足，其深层次 症结源于经营业绩的下滑，两家银行上半年整体营收均出现一定程度下降，这使得它们与上市门槛的距 离进一步拉大 ...

Core Viewpoint - The IPO market for banks in A-shares faces significant challenges, with Dongguan Bank and Guangdong Nanhai Rural Commercial Bank's IPO applications being halted again due to expired financial documents, marking the second time this year for both banks [1][3][4]. Summary by Sections IPO Status - Dongguan Bank and Guangdong Nanhai Rural Commercial Bank's IPO review status has reverted from "accepted" to "suspended" due to the need for updated financial documents [3][4]. - Both banks have faced multiple interruptions in their IPO processes, with Dongguan Bank first submitting IPO materials in 2008 and Guangdong Nanhai Rural Commercial Bank starting in 2018 [3][4]. Financial Performance - Dongguan Bank reported a revenue of 4.966 billion yuan in the first half of 2025, down 8.02% year-on-year, and a net profit of 2.365 billion yuan, down 1.45% [5]. - Guangdong Nanhai Rural Commercial Bank's revenue for the same period was 3.278 billion yuan, a decrease of 8.24%, with a net profit of 1.39 billion yuan, down 14.17% [5]. - Both banks' capital adequacy ratios are below industry averages, with Dongguan Bank's core Tier 1 capital adequacy ratio at 9.24% and Guangdong Nanhai's at 12.4% [5]. Market Environment - The A-share bank IPO market has been stagnant since the listing of Lanzhou Bank in January 2022, with only five banks currently in the IPO "reserve" list [7]. - The overall market for bank IPOs is characterized by a lack of new listings and a focus on compliance and risk management, which poses challenges for smaller banks [8][9]. Challenges Faced - The financial performance of many small and medium-sized banks has deteriorated, making it harder for them to meet IPO requirements [6][8]. - Structural issues such as governance deficiencies, asset quality problems, and regulatory compliance challenges hinder the IPO process for many banks [10][11]. Future Outlook - Despite the challenges, some banks are still actively pursuing IPOs, with 15 banks currently in the listing guidance phase, although they face various obstacles [9][10]. - Analysts suggest that banks should focus on improving compliance and governance to enhance their chances of successful IPOs in the future [11].

Core Viewpoint - Dongguan Bank's A-share IPO review has been suspended for the fourth time since its initial submission in 2023, primarily due to the need to update financial performance data [1] Financial Performance - In 2024, Dongguan Bank's operating income is reported at 10.20 billion RMB, a decrease of 3.69% compared to 2023, and lower than the 2022 figure [2] - The bank's net profit for 2024 is 3.73 billion RMB, down 8.20% from 2023 and below the 2022 level [2] - For the first half of 2024, the bank achieved revenue of 4.97 billion RMB, a decline of 8% year-on-year [3] Asset and Liability Management - As of June 30, 2024, Dongguan Bank's total assets amounted to 677 billion RMB, reflecting a modest increase of 0.64% from the end of the previous year [4] - The bank's loan and advance issuance reached 370.81 billion RMB, an increase of 3.4% from the end of the previous year [7] - The bank has made significant adjustments in its asset structure, with cash and deposits at the central bank decreasing by 13 billion RMB [6] Capital Adequacy - Dongguan Bank's core Tier 1 capital adequacy ratio stands at 9.24%, with a total capital adequacy ratio of 13.74% [10]

Core Viewpoint - Recent leadership changes at Quanzhou Bank have drawn significant attention in the industry, with the appointment of Jiang Wenpeng as the new chairman and ongoing challenges related to asset quality and loan performance [5][6][8]. Leadership Changes - Jiang Wenpeng has been nominated as the new chairman of Quanzhou Bank, succeeding Lin Yangfa, who retired due to reaching the legal retirement age [6][7]. - The bank has also seen other key personnel changes, including the appointment of Ye Xuyin as the new board secretary and Wang Haibin as the new assistant president [8][9]. Asset Quality Challenges - Quanzhou Bank's non-performing loan (NPL) ratio has increased for three consecutive years, reaching 1.83% in 2024, with overdue loans growing by over 800 million yuan [8][11]. - The bank's provision coverage ratio has decreased from 168.01% in 2023 to 163.23% in 2024, indicating a weakening ability to cover potential loan losses [12][13]. Financial Performance - As of the end of 2024, Quanzhou Bank reported total assets of 175.3 billion yuan, with total deposits of 134.7 billion yuan and total loans of 111 billion yuan [10]. - The bank achieved operating income of 3.698 billion yuan in 2024, a year-on-year increase of 4.55%, and a net profit of 656 million yuan, up 0.95% [10]. Capital Adequacy - The capital adequacy ratio stood at 14.12% and the core tier 1 capital ratio at 9.33% as of the end of 2024, both above regulatory minimums [13]. - The bank's total capital net amount is 16.934 billion yuan, with tier 1 capital net amount at 13.384 billion yuan [14]. Shareholding Structure - Quanzhou Bank has a dispersed shareholding structure, with the largest shareholder holding only 11.67% of the shares, indicating no absolute control by any single entity [15][16]. - The top ten shareholders collectively hold 24.59% of the shares, with significant representation from state-owned enterprises [15][16]. Regulatory Challenges - The bank has faced multiple regulatory penalties in 2024, including fines for failing to report criminal case information and inadequate due diligence on loans [18]. - The bank's performance in the first quarter of 2024 showed a decline in revenue and net profit, with revenue down 25.3% year-on-year and net profit down 49.09% [19]. IPO Aspirations - Quanzhou Bank has been preparing for an IPO since 2021, aiming to enhance its strength and growth potential through capital markets, but faces challenges related to performance volatility and asset quality management [18][20].