【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。 上述情形违反了相关规定。根据《公开募集证券投资基金销售机构监督管理办法》第五十三条，《证券基金经营机构董事、监事、高级管 理人员及从业人员监督管理办法》第五十一条第一款的规定， 山西证监局决定对该行采取出具警示函的行政监管措施，并记入证券期货市 场诚信档案。 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 ...

Core Viewpoint - Yantai Bank has been ordered to rectify its operations due to ineffective execution of internal controls in fund sales and other violations identified by the Shandong Securities Regulatory Bureau [1][2][4]. Group 1: Regulatory Actions - The Shandong Securities Regulatory Bureau found that Yantai Bank failed to effectively implement internal controls and risk management for its fund sales [2]. - The bank did not accurately disclose customer maintenance fees for certain public fund products it sold [2]. - Yantai Bank is required to strengthen its compliance management in fund sales and submit a written rectification report within 30 days of receiving the decision [4]. Group 2: Company Background - Yantai Bank was established in November 1997 with a registered capital of 4.622 billion yuan, making it one of the largest private enterprises in Shandong Province, with Nanshan Group as its largest shareholder [4]. - The bank's registered capital increased from 2.66 billion yuan to 4.622 billion yuan in April 2024, a growth of 74.42%, moving its ranking among 14 city commercial banks in Shandong from 13th to 7th [5]. Group 3: Financial Performance - As of the end of 2024, Yantai Bank's total assets reached 157.367 billion yuan, a growth of 12.73% from the beginning of the year [5]. - The bank reported an operating income of 2.806 billion yuan in 2024, a year-on-year increase of 36.48%, and a net profit of 368 million yuan, up 11.62% [5]. - However, in the first quarter of 2025, Yantai Bank's operating income declined to 705 million yuan, a decrease of 5.98% year-on-year, while net profit increased to 255 million yuan, a rise of 57.79% [5].

Core Viewpoint - Yantai Bank has been ordered to rectify its operations due to ineffective execution of internal controls in fund sales and other violations, as announced by the Shandong Securities Regulatory Bureau [2][4]. Group 1: Regulatory Issues - Yantai Bank was found to have not effectively implemented internal controls and risk management for its fund sales, failed to accurately disclose customer maintenance fees for certain public fund products, and did not apply for a new license after changes in its securities and futures business [4]. - The Shandong Securities Regulatory Bureau has mandated Yantai Bank to enhance compliance management in its fund sales and submit a written rectification report within 30 days of receiving the decision [4]. Group 2: Financial Performance - In 2024, Yantai Bank's total assets reached 157.37 billion, a 12.73% increase from the beginning of the year, with operating income of 2.806 billion, up 36.48%, and net profit of 368 million, an 11.62% increase [7]. - However, in the first quarter of 2025, Yantai Bank reported a decline in operating income to 705 million, a decrease of 5.98%, while net profit increased to 255 million, a growth of 57.79% [7]. - The bank's credit impairment losses were 245 million, down 25.36% year-on-year [7]. Group 3: Corporate Changes - Yantai Bank underwent significant changes, including a capital increase from 2.66 billion to 4.622 billion, a 74.42% rise, moving from 13th to 7th in registered capital among 14 city commercial banks in Shandong [6]. - Recent leadership changes include the appointment of new vice presidents and the approval of Wang Jianchun as the new president, following the resignation of the previous president in October 2023 [6].

Summary of Key Points Core Viewpoint - The Shenzhen Securities Regulatory Bureau has issued an administrative regulatory measure against Wu Yu for violating regulations during his tenure at Guotou Securities, specifically for making illegal profit promises to investors and providing information for off-platform trading [1][6]. Company Overview - Guotou Securities, originally known as Anxin Securities, was established in August 2006 and has since acquired various securities assets through market-based methods. The company is primarily owned by the National Development Investment Group and operates as a fully licensed comprehensive brokerage firm with multiple business lines ranking among the top in the country [2]. Regulatory Framework - The violations committed by Wu Yu contravened specific articles of the "Measures for the Supervision and Administration of Publicly Raised Securities Investment Fund Sales Institutions" and the "Compliance Management Measures for Securities Companies and Securities Investment Fund Management Companies" [1][6]. - Article 24 of the fund sales regulation explicitly prohibits fund sales institutions and their personnel from making false statements, misleading claims, or promising returns, among other violations [2]. - The regulatory measures taken include issuing a warning letter, which is a common administrative action for such violations [1][6]. Administrative Measures - According to the regulations, the Shenzhen Securities Regulatory Bureau can impose various administrative measures, including warnings, corrective orders, and potential legal actions against responsible personnel for compliance failures [3][4][5].