北京商报讯（记者 孟凡霞 周义力）12月1日，浙江证监局发布《关于对浙江稠州商业银行股份有限公司 采取责令改正措施的决定》，经核查，浙江证监局发现浙江稠州商业银行存在以下问题： 一是部分从事基金销售业务人员未取得从业资格，违反了《公开募集证券投资基金销售机构监督管理办 法》第三十条第二款、《关于实施〈公开募集证券投资基金销售机构监督管理办法〉的规定》第十七条 第一款规定。 二是部分基金宣传推介材料、基金销售业务制度修订未经合规风控人员审查，基金销售专职合规人员同 时承担业务管理职责，违反了《公开募集证券投资基金销售机构监督管理办法》第十六条第二款、第二 十六条第一款和第二款规定。 三是为个别未进行风险测评的客户办理基金销售业务；通过手机App销售基金时，未提示投资者阅读基 金合同、招募说明书；在向普通投资者销售高风险产品时，未履行特别的注意义务，违反了《公开募集 证券投资基金销售机构监督管理办法》第十七条第一款和第二款、《证券期货投资者适当性管理办法》 第三条、第十条第二款、第二十条规定。 四是未按规定报送反洗钱相关材料，违反了《证券期货业反洗钱工作实施办法》第十条规定。 根据《公开募集证券投资基金销售机构监 ...

Core Viewpoint - Guilin Bank is facing regulatory scrutiny from the Guangxi Securities Regulatory Bureau due to compliance issues in its fund sales operations, which may impact its ongoing IPO plans [1][2]. Regulatory Issues - The Guangxi Securities Regulatory Bureau issued a warning letter to Guilin Bank for two main issues: fund sales personnel lacking qualifications and non-compliance in promotional materials [2]. - The bank is required to address these issues and submit a written report within a specified timeframe [2]. Company Background - Established in 1997, Guilin Bank is a state-controlled bank and the largest financial institution in Guangxi, with a focus on local operations [2]. - As of September 2025, the bank has a total of 265 urban branches, 205 county branches, and 481 town branches, covering 100% of counties and 67% of towns in Guangxi [3]. IPO Plans - Guilin Bank is the first city commercial bank in Guangxi to pursue an A-share IPO, having initiated its IPO guidance in August 2023, with plans to complete the process by Q2 2025 [3]. - The bank has faced challenges, including unresolved legal issues and frequent changes in senior management, which may affect its IPO progress [3]. Financial Performance - As of September 2025, Guilin Bank reported total assets of 605.62 billion, a 5.06% increase from the previous year [3]. - The bank's non-performing loan ratio rose to 1.94%, an increase of 0.2 percentage points from the previous year, indicating a trend of deteriorating asset quality [3][4]. - For the first three quarters of the year, the bank's revenue was approximately 9.29 billion, a decline of 2.45% year-on-year, with net profit decreasing by 7.58% to 2.1 billion [4]. Capital Adequacy - As of September 2025, the bank's core Tier 1 capital adequacy ratio was 8.4%, with total capital adequacy at 11.46%, all showing a decline compared to the previous year [4].

Core Points - Guilin Bank received a warning letter from the Guangxi Securities Regulatory Bureau due to multiple violations in its fund sales business [1][2] - The bank's fund sales business leaders and information management personnel lacked the necessary qualifications [3][6] - The bank's promotional materials did not adequately highlight risk warnings, violating regulatory requirements [6] Summary by Sections Regulatory Issues - Guilin Bank was found to have fund sales personnel without the required qualifications during a regulatory inspection [3] - The bank failed to obtain compliance opinions for its promotional materials, which did not sufficiently emphasize risk warnings [3][6] - The Guangxi Securities Regulatory Bureau cited violations of several regulations related to fund sales and promotional materials [6] Financial Performance - As of September 30, 2025, Guilin Bank reported total assets of 605.62 billion yuan, a 5.06% increase from the beginning of the year [8] - The bank's operating revenue was 9.29 billion yuan, a year-on-year decrease of 2.45% [8] - Net profit for the same period was 2.101 billion yuan, reflecting a year-on-year decline of 7.58% [8] Governance Issues - The former Party Secretary and Chairman of Guilin Bank, Wu Dong, was expelled from the Party and public office due to serious violations of discipline and law [8] - Wu Dong was involved in multiple instances of accepting gifts and benefits from subordinates and private enterprises, leading to criminal prosecution [8]

山西证监局强调，晋商银行应高度重视，严格对照基金销售相关法律法规，立即采取有效措施对上述问题进行整改，建立健全相关内控制度，强化人员资 质管理，严格落实备案报告要求，提高基金销售合规管理水平。 同时，山西证监局明确，晋商银行应当在收到本决定之日起30日内，向该局提交书面整改报告。 按照相关规定，商业银行负责基金销售业务的部门取得基金从业资格的人员不低于该部门员工人数的1/2；部门负责人取得基金从业资格，并具备从事基 金业务2年以上或者在金融机构5年以上的工作经历。 此外，证券基金经营机构聘任董事、监事和高级管理人员前，应当审慎考察并确认其符合相应的任职条件，自作出聘任决定之日起5个工作日内向中国证 监会相关派出机构报送任职情况备案登记表等备案材料。 【导读】晋商银行因两项基金销售业务违规收警示函 中国基金报记者 王建蔷 因基金销售业务存在两项违规，晋商银行被山西证监局采取出具警示函的行政监管措施。 晋商银行被警示 日前，山西证监局披露一则处罚决定书。处罚信息显示，经查，晋商银行存在以下问题：基金销售部门负责人未取得基金从业资格履职；对基金销售部门 负责人进行了调整，未报送相关人员免职、任职的备案材料。 上述情 ...

Core Viewpoint - The regulatory body has issued a warning letter to a branch of Zhongyin Securities and two responsible individuals due to violations related to the qualification management of personnel involved in fund sales, highlighting a trend of increased scrutiny in the fund sales sector this year [2][4]. Group 1: Regulatory Actions - The Inner Mongolia Securities Regulatory Bureau has taken administrative measures against Zhongyin Securities' Hohhot branch for failing to ensure that fund sales personnel possess the necessary qualifications [4]. - A total of over twenty penalty notices have been issued by various local securities regulatory bureaus this year, indicating a significant increase in regulatory actions against fund sales institutions [2]. - The responsible individuals, including the branch manager and another staff member, received warning letters for their roles in the violations, which included engaging in fund sales activities without the required qualifications [5]. Group 2: Industry Trends - The issue of "unqualified personnel" has become a major area of concern in the fund sales industry, with many institutions facing penalties for similar violations [6][8]. - Regulatory requirements stipulate that all personnel involved in fund sales must have the appropriate qualifications, and institutions are expected to implement robust training and compliance systems [8][9]. - The need for enhanced compliance and risk management frameworks within fund distribution channels has been emphasized, suggesting that institutions must strengthen internal controls to achieve better operational outcomes and regulatory evaluations [9].

Core Viewpoint - The Inner Mongolia Securities Regulatory Bureau has issued warning letters to Zhongyin International Securities Co., Ltd. and its employees for failing to ensure that fund sales personnel possess the required qualifications, violating relevant regulations [1][2][8]. Regulatory Violations - Zhongyin International Securities Co., Ltd. failed to implement personnel qualification management requirements, specifically not ensuring that fund sales personnel have the necessary qualifications [1][9]. - The violations are against the "Securities Investment Fund Sales Management Measures" (CSRC Order No. 91) Article 57 and the "Supervision and Management Measures for Publicly Raised Securities Investment Fund Sales Institutions" (CSRC Order No. 175) Article 30 [1][9]. Administrative Measures - The Inner Mongolia Securities Regulatory Bureau decided to issue warning letters as an administrative regulatory measure, which will be recorded in the securities and futures market integrity archives [1][2][9]. - The responsible individuals, including the head of the sales department, Ji Xiongfei, and employee Hou Sheng, are also subject to these warning letters due to their direct involvement in the violations [2][9][10]. Compliance Requirements - Fund sales institutions are required to establish and effectively implement a personnel qualification management system to ensure that all fund sales personnel possess the necessary qualifications [3][4]. - Continuous training and supervision of fund sales personnel's behavior are mandated to prevent similar violations in the future [4][5].

Core Viewpoint - Yantai Bank has been subjected to corrective supervision measures by the Shandong Securities Regulatory Bureau due to multiple violations in its fund sales business, highlighting the prevalent compliance risks in the banking sector's fund distribution activities and the stringent regulatory requirements for financial institutions [1][4]. Group 1: Violations Identified - The primary issues identified at Yantai Bank include ineffective execution of internal control and risk management systems in fund sales, which may lead to a lack of necessary regulatory constraints during the sales process [3]. - The bank failed to accurately disclose customer maintenance fees to investors when selling public fund products, which could mislead investors and affect their decision-making [3]. - The bank did not apply for a new license after changes occurred in the registered matters of its Securities and Futures Business License, violating relevant document management regulations [3]. Group 2: Regulatory Actions and Requirements - The Shandong Securities Regulatory Bureau specified that Yantai Bank's actions violated specific provisions of the "Supervision and Administration Measures for Fund Sales Institutions" [4]. - The regulatory authority has mandated the bank to enhance compliance management in its fund sales business and to submit a written rectification report within 30 days of receiving the decision [4]. - The rectification process must not only address existing issues but also establish a long-term mechanism to prevent similar violations in the future, with the regulatory body planning to follow up on the implementation of these measures [4].

Core Viewpoint - Dezhou Bank has been ordered to rectify multiple violations in its fund sales operations by the Shandong Securities Regulatory Bureau, highlighting ongoing regulatory scrutiny in the banking sector regarding compliance in fund sales activities [1][3]. Summary by Relevant Sections Fund Sales Violations - Dezhou Bank was found to have several violations in its fund sales, including allowing unqualified personnel to engage in fund sales activities and lacking a dedicated committee for product approval management [3][4]. - The bank's compliance and risk control personnel responsible for overseeing fund sales operations also did not possess the necessary qualifications [4]. Regulatory Actions - The Shandong Securities Regulatory Bureau has mandated Dezhou Bank to enhance its compliance management in fund sales and submit a written rectification report within 30 days of receiving the order [4]. - The violations were deemed to contravene the "Measures for the Supervision and Administration of Securities Investment Fund Sales Institutions" and related regulations [4]. Bank Background and Performance - Dezhou Bank, originally named Dezhou Commercial Bank, was established on December 7, 2004, and was the first city commercial bank approved by the former China Banking Regulatory Commission [4]. - In 2024, Dezhou Bank reported an operating income of 1.329 billion yuan, a total profit of 210 million yuan, and a net profit of 123 million yuan [4]. Industry Context - The regulatory environment for fund sales has tightened, with several banks facing penalties for similar violations this year, indicating a broader trend of increased scrutiny in the banking sector [7][8][9].