陕西能源投资股份有限公司（证券简称：陕西能源，证券代码：001286）于2025年11月25日召开第三届 董事会第三次会议，审议通过了《关于购买董事、高级管理人员责任险的议案》。因全体董事作为潜在 受益人需回避表决，该议案将直接提交公司2025年第三次临时股东会审议。此举标志着公司在完善合规 风险管理体系、保障管理层履职安全方面迈出重要一步。 强化治理体系建设 防范履职风险 陕西能源表示，本次购买董高责任险是完善公司风险管理体系的重要举措，有助于降低管理层履职风 险，保障公司持续稳定发展。公司将在股东会审议通过后尽快推进具体投保工作，并及时披露相关进 展。 点击查看公告原文>> 声明：市场有风险，投资需谨慎。 本文为AI大模型基于第三方数据库自动发布，任何在本文出现的信 息（包括但不限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，不构成 个人投资建议。受限于第三方数据库质量等问题，我们无法对数据的真实性及完整性进行分辨或核验， 因此本文内容可能出现不准确、不完整、误导性的内容或信息，具体以公司公告为准。如有疑问，请联 系biz@staff.sina.com.cn。 责任编辑：小浪快报 ...

在ATFX全球战略扩张的持续推进下，高端人才正加速集结。近日，ATFX宣布一项重要人事任命： Charbel Raffoul正式出任集团中东和北非地区合规主管。这也是继2024年3月格雷厄姆·莫里斯（Graham Morris）出任澳大利亚业务合规主管之后，ATFX再次引入的又一位重量级合规领域专家。这一战略性 任命，进一步巩固了ATFX在中东和北非地区强化监管合规体系、提升公司治理水平的坚定承诺。 在全球化的商业版图中，深入理解不同区域市场的监管环境与商业生态，是成功开拓市场、有效规避经 营风险并实现可持续增长的关键。合规风险管理不仅关乎法律遵从，更是企业信誉、客户信任与长期竞 争力的基石。针对不同司法管辖区的独特监管要求，量身定制本地化合规战略，已成为全球知名金融科 技企业稳健发展的核心能力之一。 Charbel Raffou的加入正是如此。伴随其加入，他将全面负责ATFX在中东和北非市场的合规体系建设、 监管沟通与政策执行，推动合规与业务发展的深度融合，从而为公司在该区域的高质量扩张提供坚实保 障。 履历丰富，经验老道 不仅如此，在其职业生涯中，Charbel Raffoul成功设计和实施了强有力的合规 ...

Core Viewpoint - The article discusses the challenges faced by compliance risk management in banks and offers suggestions for improvement, emphasizing the need for a more robust compliance culture and effective internal control mechanisms [1][2]. Group 1: Challenges in Compliance Risk Management - Employee behavior management has weak links, with a need for improved sensitivity, depth, and breadth in daily behavior checks, and a lack of comprehensive monitoring methods [1]. - The compliance concept has not been fully internalized, leading to ongoing violations and indicating a need for more effective and continuous compliance education [1]. - The compliance culture is not fully established, with a gap between the required proactive problem identification and the actual employee behavior [1]. - There is a need to balance compliance operations with business development, as some employees prioritize business growth over compliance, resulting in repeated violations [1]. Group 2: Suggestions for Improvement - Establish a collaborative and efficient internal control mechanism by enhancing inter-departmental cooperation, clarifying responsibilities, and strengthening information sharing [2]. - Deepen compliance culture by continuously enhancing compliance education and training, innovating educational methods, and improving employee awareness and adherence to regulations [2]. - Strengthen employee behavior management by innovating monitoring methods and focusing on unusual behaviors such as private business dealings and informal lending [2]. - Improve grid management mechanisms by ensuring accountability among grid leaders and regularly engaging with employees to understand their concerns and provide risk warnings [2]. - Increase accountability measures by maintaining a strict stance against violations, thereby enhancing compliance awareness and adherence to regulations [2].

Core Viewpoint - The People's Bank of China, Jilin Branch, has imposed a fine of 594,900 yuan on Bohai Bank's Changchun branch for multiple violations, including account management and customer identification regulations [2][3]. Summary by Category Regulatory Violations - Bohai Bank's Changchun branch was penalized for four main violations: 1. Violating account management regulations 2. Violating credit information collection, provision, and inquiry regulations 3. Failing to fulfill customer identity verification obligations 4. Failing to meet cybersecurity protection obligations as a network operator [3][4]. Penalties - The total fine imposed on Bohai Bank's Changchun branch is 594,900 yuan, along with warnings issued [3][4]. - Two responsible individuals were also fined: - Lu Mouyu, the Deputy General Manager of the Consumer Finance Center, was fined 10,000 yuan - Liu Mouhang, the head of the Changchun branch's business department, was fined 23,900 yuan [3][4]. Overall Compliance Issues - In 2023, Bohai Bank has received a total of 10 fines amounting to 5.663 million yuan, with various branches involved, including those in Taiyuan, Nanning, Hefei, Changsha, Ningbo, Jinan, Dezhou, and Suzhou [6][7]. - The fines are generally below 1 million yuan, with common violations including account management and credit management issues [7].

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]