| র্ব | 重庆银行股份有限 | | 贷款"三查"不 | 罚款共计 | | | --- | --- | --- | --- | --- | --- | | | 公司 | 渝金管罚 | 尽职、投资业 | 220万元 | | | | | 决字 | 务不审慎 | | 重庆金融 | | 5 | 刘晓娜 | [2025] 23 号 | 贷款"三查"不 | 警告 | 监管局 | | | | | 尽职部分问题 | | | 记者留意到，此次罚单并非重庆银行首次因信贷管理问题"栽跟头"。2024年11月30日，国家金融监督管 理总局涪陵监管分局行政处罚信息公开表显示，重庆银行涪陵支行和康茂兴（时任重庆银行股份有限公 司涪陵支行行长）存在以下违法违规事实：贷款"三查"不尽职。根据《中华人民共和国银行业监督管理 法》第二十一条、第四十六条、第四十八条的规定，国家金融监督管理总局涪陵监管分局对重庆银行股 份有限公司涪陵支行处以罚款40万元、对康茂兴处以警告。 所谓贷款"三查"，是银行信贷业务的核心风控防线，涵盖贷前对借款人资质的真实性调查、贷中对借款 用途的合规性审查、贷后对资金流向的持续性检查。有业内人士指出，此类违规行为往往 ...

近日，国家金融监督管理总局北京监管局开出多张罚单，涉事商业银行的主要违法违规行为均涉及贷 款"三查"失职。金融监管总局局长李云泽9月在国务院新闻办举行的"高质量完成'十四五'规划"系列主题 新闻发布会上表示，"十四五"期间，坚持严格执法、敢于亮剑，累计处罚机构2万家次、责任人3.6万人 次，罚没金额210亿元。 贷款"三查"即贷前调查、贷中审查、贷后检查。商业银行贷款"三查"失职，关系着存款安全与金融稳 定，并非小事。金融管理部门针对此问题开出多张罚单，是全面强化监管、防范化解金融风险、引导金 融活水流向实体经济的具体体现。 贷款"三查"失职将威胁信贷资金安全。信息不对称在金融市场普遍存在，此问题在交易达成前表现为逆 向选择，在交易达成后表现为道德风险。如果银行疏于贷前调查，那么在贷款发放前，逆向选择问题将 扰乱信贷市场——信贷资金可能流向高风险、产能过剩的行业、企业，资金安全无法得到保障；如果银 行疏于贷后检查，道德风险问题就有可能出现——借款人违背合同约定，将信贷资金投向高风险领域， 一旦项目成功，银行只获得固定利息收益，企业则获得其余大部分收益，一旦项目失败，信贷损失将由 银行承担。 信贷资金安全关乎存 ...

Regulatory Actions - In July 2025, a total of 132 fines were issued to rural small and medium financial institutions, with 205 individuals penalized and a total fine amounting to 88.0687 million yuan, indicating a significant increase compared to the first half of the year and the same period last year [1] - The fines included 36 from the financial regulatory authority and 96 from the People's Bank of China branches, highlighting a trend of increased regulatory scrutiny [2] - Seven fines exceeded 2 million yuan, with the largest fine of 4.55 million yuan issued to a rural financial institution in Wenzhou for various compliance failures [3] Compliance Issues - Among the 36 fines from the financial regulatory authority, 22 were related to loan management, although the proportion has slightly decreased; however, issues related to concealing bad debts and corporate governance have increased [4] - Specific compliance failures included improper loan classifications, unauthorized issuance of loans to clients with existing issues, and inadequate governance practices in some institutions [4] - The regulatory focus has expanded to include compliance in financial technology and data security, with 22 fines related to these areas in July [4] "Occupational Debt" Phenomenon - The "occupational debt" issue has emerged as a significant concern, where individuals with no actual loan needs are manipulated by illegal loan intermediaries to obtain loans, leading to widespread defaults [5][6] - This phenomenon often involves personal consumption loans and small business loans, which are typically processed online, increasing the risk of inadequate management and oversight [6][7] - The involvement of bank staff in these schemes has been noted, with internal control failures contributing to the problem, necessitating improved internal governance and a shift in performance evaluation metrics [8]