【导读】因贷款"三查"不尽职等问题，重庆银行被罚220万元 值得一提的是，今年下半年，重庆银行还迈入了"万亿俱乐部"。8月29日，重庆银行发布关于经营情况的自愿性公告称，截至7月末，该行资 产总额达到10087亿元，较上年末增加1521亿元，增幅为17.76%。 财报数据显示，2025年上半年，重庆银行实现营业收入76.59亿元，同比增长7.00%；实现归母净利润31.9亿元，同比增长5.39%；净息差为 1.39%。 不过，2025年上半年，重庆银行实现手续费及佣金净收入3.65亿元，同比下降28.62%，仅占营业收入的4.76%。 截至10月23日午间收盘，重庆银行报10.39元/股，总市值为361亿元。 | | | 中国基金报记者 嘉合 10月22日，国家金融监督管理总局重庆监管局开具一批行政处罚公告，其中，重庆银行因涉及多项信贷业务违规被罚款220万元。 公告显示，重庆银行存在的违法违规行为包括贷款"三查"不尽职、投资业务不审慎，因此对该行共计罚款220万元。同时，该行相关负责人 刘某娜因存在贷款"三查"不尽职部分问题，对其给予警告处罚。 | র | 重庆银行股份有限 | | 贷款"三查" | 罚款共 ...

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].

中经记者 秦玉芳 广州报道 9月12日，国家金融监督管理总局公布9月以来第二批行政处罚信息。9月以来国家金融监督管理总局已 经公布两批罚单，对涉及的17家机构罚款金额共计约2.6亿元。 值得注意的是，罚款金额超过千万元的罚单多集中在信贷领域。据不完全统计，今年以来，银行业信贷 业务违规处罚金额累计已超过数亿元，涉及国有大行、股份制银行、城商行及多家分支机构。处罚事由 包括贷前调查不尽职、贷后管理不到位、贷款资金挪用、掩盖不良资产、数据报送不合规等典型问题。 业内人士分析指出，贷款资金用途、流向的监控是一个老大难问题；监管部门对相关违规行为进行处 罚，有助于银行树立审慎经营理念，依法合规发展业务，更有效地防控信用风险。 大额罚单频出 国家金融监督管理总局9月12日公布了多张罚单，11家机构受罚，包括政策性银行、国有银行、股份制 银行，理财公司、保险公司，11家机构罚款金额约1.63亿元（不含个人罚款）。 其中两家股份制银行因贷款、票据、保理等业务管理不审慎，监管数据报送不合规等违法违规行为合计 被罚款近1.3亿元。 此前9月5日，国家金融监督管理总局公布6家机构的行政处罚信息，包括股份制银行、金融资产公司、 保 ...

Core Viewpoint - The China Development Bank (CDB) Yunnan Branch has been fined multiple times this year for non-compliance in loan management and capital control, indicating ongoing regulatory scrutiny and compliance issues within the bank [2][3][5]. Regulatory Penalties - The CDB Yunnan Branch was fined 2 million yuan for imprudent loan management and capital control, marking the sixth penalty this year [2][3]. - CDB has faced a total of approximately 19.59 million yuan in fines this year, with six penalties issued, three of which were significant, exceeding one million yuan [3][4]. - Previous penalties include 1.3 million yuan for the Chongqing Branch in January and 1.6 million yuan for the Jilin Branch in February for various compliance failures [3][4]. Financial Performance - As of the end of last year, CDB reported total assets of 18.62 trillion yuan and a loan balance of 14.69 trillion yuan, reflecting a year-on-year growth of 3.12% [7]. - The bank's revenue for last year was 172.996 billion yuan, a decline of 17.49%, while net profit increased by 1.77% to 88.96 billion yuan [7]. - The bank's non-performing loan ratio was 0.37%, a decrease of 0.21 percentage points from the previous year, while the loan provision ratio increased to 4.80% [7]. Compliance and Risk Management - CDB has initiated a three-year action plan (2024-2027) to enhance internal control and compliance, with a focus on improving credit management and compliance operations [7][8]. - The bank has acknowledged the need to address various risk areas, including credit risk and overseas business risk, as highlighted by recent internal and external inspections [8].

Core Viewpoint - Bohai Bank's Hefei branch has been fined for violations in credit operations, highlighting ongoing compliance issues within the bank [2][3][5] Group 1: Regulatory Actions - The Hefei branch of Bohai Bank was fined 600,000 yuan for improper loan disbursement practices and inadequate due diligence in personal business loans [3] - This marks the third penalty for Bohai Bank in the past month, with a total of six fines amounting to 3.09 million yuan in 2023 [2][4] - Other branches, including those in Ningbo and Changsha, have also faced penalties for various regulatory violations, totaling fines of 62,000 yuan and 67,000 yuan respectively [4] Group 2: Management and Compliance Challenges - Four individuals from the Hefei branch have been warned due to their involvement in the violations, indicating a need for improved management oversight [3] - Despite achieving revenue growth of 4.20% and a net profit increase of 1.99% in Q1 2023, the bank faces significant challenges in maintaining compliance and risk management [4][5] - The bank's management has emphasized the importance of compliance and risk control in their strategic meetings, yet the recent penalties raise questions about the effectiveness of these initiatives [5]