近日，中国人民银行吉林省分行公布的信息显示，渤海银行股份有限公司长春分行因为违反账户管理规 定等多个原因被警告、罚款59.49万元，两名时任负责人同步被罚。 因四项原因被罚59万 根据中国人民银行吉林省分行行政处罚决定信息公示表，渤海银行长春分行此次被罚原因包括：违反账 户管理规定；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 规定履行网络运营者的网络安全保护义务。中国人民银行吉林省分行对其做出警告和罚款59.49万元的 处罚。 同时，时任渤海银行长春分行消费金融中心副总经理卢某宇因为对"违反信用信息采集、提供、查询及 相关管理规定"负有责任，被罚款1万元；时任渤海银行长春分行营业部负责人刘某航因为对"未按规定 履行客户身份识别义务"负有责任，被罚款2.39万元。 | 序号 | 当事人名称 | 行政处罚决定书文号 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 作出行政处 决定机关名称 | | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | 渤海银行股份 | | 1. 违反账户管理规定: 2 ...

Core Viewpoint - The insurance industry is facing significant regulatory scrutiny, highlighted by a substantial fine imposed on Zijin Property Insurance's Luoyang branch for multiple violations, indicating a pressing need for compliance and governance improvements within the company [1][4][5]. Group 1: Regulatory Actions and Compliance - Zijin Insurance's Luoyang branch was fined a total of 1.15 million yuan for three violations, which is notable as such large fines are uncommon in the insurance sector [1][4]. - The violations included the preparation of false reports and documents, improper use of approved insurance terms and rates, and fabricating intermediary business to extract fees [4][5]. - The company has initiated corrective measures in response to regulatory feedback, focusing on enhancing branch management and integrating compliance metrics into performance assessments [3][10]. Group 2: Financial Performance - Zijin Insurance reported a premium income of 12.831 billion yuan in 2024, reflecting a year-on-year growth of 10.56%, and a net profit of 483 million yuan, which is a remarkable increase of 110% [7]. - The company's comprehensive cost ratio was reported at 100.70% for 2024, indicating that premium income barely covered expenses, which poses a risk of underwriting losses [8]. Group 3: Management Changes and Future Strategy - The company is undergoing significant management changes, with a new temporary leader appointed to oversee operations following the departure of the previous general manager [9]. - Zijin Insurance aims to double its business revenue to over 20 billion yuan by 2029, with a focus on enhancing its competitive position within the industry [9][10]. - The company is also committed to improving its governance structure and compliance mechanisms to prevent future violations and enhance operational efficiency [11].

Core Viewpoint - The company is enhancing compliance risk management through a comprehensive approach that includes risk identification, prevention, and response strategies. Group 1: Compliance Risk Identification - The company focuses on identifying risks related to legal regulations by updating the list of applicable laws and regulations relevant to its operations [1] - It emphasizes the importance of management requirements by promptly analyzing compliance risk notifications and recommendations from higher authorities [1] - The company systematically addresses issues identified through internal controls, audits, and inspections to prevent recurrence of similar problems [1] Group 2: Compliance Risk Prevention - The company has developed compliance risk notification letters that detail risk points, potential consequences, and suggested preventive measures, which are disseminated for timely adjustments [2] - It organizes specialized meetings to analyze typical compliance issues, providing a platform for discussing causes and formulating corrective actions [2] - The company integrates compliance risk notifications into all business processes and compliance reviews, ensuring that compliance is a constant consideration [2] Group 3: Compliance Risk Response - The company is strengthening its foundation by enhancing institutional frameworks and conducting compliance evaluations to fill management gaps [3] - It promotes learning from past violations by compiling a manual of violation cases for staff education, thereby improving risk recognition and prevention capabilities [3] - The company implements comprehensive management practices to monitor key control points in business processes and conducts quarterly assessments of major risks [3]