Group 1 - The core viewpoint of the article highlights the ongoing strict regulatory environment in the banking industry, exemplified by the recent fine imposed on Xiangyang Rural Commercial Bank for various violations [1][6]. - Xiangyang Rural Commercial Bank was fined 1.85 million yuan due to inadequate management of personal consumption loans and business loans, as well as other regulatory breaches [3][5]. - The bank had previously faced a fine of 1.532 million yuan for six different violations, indicating a pattern of non-compliance [4]. Group 2 - The regulatory authority, the Hubei Regulatory Bureau of the National Financial Regulatory Administration, has taken action against Xiangyang Rural Commercial Bank for failing to restrict voting rights of directors from shareholders with over-leveraged pledged shares [3]. - The total fines imposed on banks in May have exceeded 10 million yuan, with common violations including imprudent credit management and compliance failures [6]. - The regulatory trend suggests a push for banks to strengthen their internal control systems, particularly in monitoring the flow of credit funds [6].