中国经济网北京2月2日讯 国家金融监督管理总局网站1月29日公布的大庆监管分局行政处罚信息公 开表（庆金监罚决字〔2026〕1、2、3、4、5、6、7、8、9号）显示，中国光大银行股份有限公司大庆 分行贷款"三查"不到位。 大庆金融监管分局对中国光大银行股份有限公司大庆分行罚款20万元；分别对张楠（中国光大银行 股份有限公司大庆龙岗支行综合营销部客户经）、周涛（中国光大银行股份有限公司大庆龙岗支行 行 长）、李宗勇（中国光大银行股份有限公司大庆东风支行综合营销部客户经理）、郑勇（中国光大银行 股份有限公司大庆东风支行 行长）、王志刚（中国光大银行股份有限公司大庆分行信用审批部审查 员）、尹健（中国光大银行股份有限公司大庆分行机构中心副主任）、王存（中国光大银行股份有限公 司大庆分行信用审批部总经理）、任锋（中国光大银行股份有限公司大庆分行个贷中心副主任）警告。 | 以下为原文： | | --- | | 序号 | 当事人名 | 行政处罚 决定书文 | 主要违法 | 行政处罚内 | 作出决定 | | --- | --- | --- | --- | --- | --- | | | 称 | ינים | 违规行为 | ...

| 序 | | 行政处罚 | 主要违法违规 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 릉 | 当事人名称 | 决定书文 | 行为 | 内容 | 机关 | | | | 글 | | | | | | | | 贷款"三查" | | | | | | | 不尽职:对大 | | | | | | | 额风险损失的 | | | | | | | 调查和问责不 | | | | | 重庆农村商业银行 | | 到位:非现场 | 罚款共计 | | | 1 | 股份有限公司 | | 统计数据差 | 870万元 | | | | | | 错; | | | | | | | 未核实保证金 | | | | | | | 来源;滚动开 | | | | | | | 票 | | | | | 舒静(时任重庆农 | | 贷款"三查" | 禁止终身 | | | 2 | 村商业银行股份有 | | 不尽职部分问 | 从事银行 | | | | 限公司副行长） | | 题 | 业工作 | | | | 封洪伟(时任重庆 | | | | | | | 农村商业银行股份 | | 贷款"三查" | 禁止终身 | ...

12月25日，国家金融监督管理总局重庆监管局披露的罚单显示，重庆农村商业银行股份有限公司（以下 简称为"重庆农商行"）因贷款"三查"不尽职、对大额风险损失的调查和问责不到位、非现场统计数据差 错、核实保证金来源、滚动开票等，被罚款共计870万元。 时任重庆农商行副行长舒静、首席审贷官封洪伟因贷款"三查"不尽职部分问题，均被禁止终身从事银行 业工作。 此外，时任重庆农商行两任公司业务部总经理彭涛、曾昌逊因贷款"三查"不尽职部分问题，均被警告并 罚款5万元；时任重庆农商行九龙坡支行行长张崇义、九龙坡支行副行长李欢、授信审批部总经理郑 义、巴南支行行长沈弢、江北支行副行长黄于翔、九龙坡支行副行长崔艳因贷款"三查"不尽职部分问 题，分别被警告并罚款5万元、警告、警告并罚款5万元、罚款5万元、警告、警告。 公开信息显示，贷款"三查"是银行信贷风险防控的基石。贷款三查是银行信贷全流程管理制度，由贷前 调查、贷中审查、贷后检查构成的全流程管理机制。该制度要求贷前阶段核实借款人资信真实性，贷中 阶段评估风险可控性，贷后阶段监控资金使用合规性。 值得注意的是，此次被罚的重庆农商行原副行长舒静此前已经被"双开"。 2024年3月 ...

Core Viewpoint - Chongqing Bank has faced regulatory penalties due to non-compliance with loan management practices, specifically the "three checks" process, which is critical for risk control in lending operations [1][3]. Group 1: Regulatory Issues - Chongqing Bank was fined 2.2 million yuan for failing to conduct due diligence in its loan "three checks" and for imprudent investment practices [3]. - This is not the first instance of regulatory issues for Chongqing Bank; it previously faced a fine of 400,000 yuan for similar violations in November 2024 [1][2]. Group 2: Financial Performance - As of July 2025, Chongqing Bank's total assets reached 1,008.7 billion yuan, an increase of 152.1 billion yuan, representing a growth rate of 17.76% compared to the end of the previous year [2]. - For the first half of 2025, the bank reported operating income of 7.659 billion yuan, a year-on-year increase of 7.00%, and a net profit attributable to shareholders of 3.19 billion yuan, up 5.39% year-on-year [5]. Group 3: Asset Quality and Capital Adequacy - As of mid-2025, Chongqing Bank's non-performing loan (NPL) ratio was 1.17%, a decrease of 0.08 percentage points from the end of the previous year, while the provision coverage ratio improved to 248.27%, up 3.19 percentage points [4]. - However, the bank's capital adequacy ratios have declined compared to the end of 2024, with the core tier 1 capital adequacy ratio at 8.80%, tier 1 capital adequacy ratio at 9.94%, and total capital adequacy ratio at 12.93% [4]. Group 4: Loan Structure - Chongqing Bank has a significant reliance on loans to state-owned enterprises, with such loans accounting for 78.17% of its total corporate loans as of 2024 [4].

Core Points - The recent penalties imposed by the Beijing Regulatory Bureau of the National Financial Supervision Administration highlight the serious violations by commercial banks regarding the "three checks" in loan management [1][2] - The "three checks" refer to pre-loan investigation, in-loan review, and post-loan inspection, which are crucial for ensuring the safety of credit funds and maintaining financial stability [1][2] - The financial regulatory authority has emphasized strict enforcement and comprehensive supervision to mitigate financial risks and guide financial resources towards the real economy [1][3] Summary by Sections Loan Management Violations - Commercial banks have been penalized for failing to adhere to the "three checks" process, which is essential for safeguarding deposit security and financial stability [1][2] - The penalties reflect a broader effort to strengthen regulatory oversight and prevent financial risks [1][3] Importance of "Three Checks" - The "three checks" process is vital for the entire credit management system, ensuring that loan funds are allocated safely and effectively [1][2] - Banks conduct pre-loan investigations to assess borrowers' capabilities, which helps in making informed lending decisions [1][2] Regulatory Measures - The financial management department has enhanced its regulatory framework, focusing on five key areas: institutional, behavioral, functional, penetrating, and continuous supervision [3] - Recent legislative progress includes the draft revision of the Banking Supervision Law, aimed at improving regulatory effectiveness and addressing significant financial risks [3]

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]