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 ...

Core Insights - ATFX is enhancing its compliance framework in the Middle East and North Africa (MENA) region by appointing Charbel Raffoul as the new compliance head, following the earlier appointment of Graham Morris for Australia [1][2] - The appointment reflects ATFX's commitment to strengthening regulatory compliance and governance standards, which are crucial for sustainable growth and risk management in diverse markets [1][2] Group 1 - Charbel Raffoul brings over 15 years of experience in compliance, anti-money laundering (AML), and regulatory affairs in the MENA region, having held senior leadership roles in various international financial institutions [2] - His expertise includes designing and implementing robust compliance frameworks and managing complex regulatory collaboration projects across multiple jurisdictions [2] - Raffoul's role will involve overseeing ATFX's compliance system, regulatory communication, and policy execution in the MENA market, ensuring a strong foundation for high-quality expansion [1][2] Group 2 - Khaldoun Sharaiha, CEO of ATFX MENA, emphasized Raffoul's extensive knowledge and commitment to integrity and compliance, which are essential for the company's strategic expansion and building trust with clients and partners [3] - Joe Li, Chairman of ATFX Group, expressed high expectations for Raffoul's contribution to maintaining the company's governance culture and aligning with its global operational vision [3] - ATFX aims to continue its talent-driven approach, seeking professionals across various fields to enhance its services and provide reliable fintech solutions globally [3]

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]