"贷款管理不到位"这一看似笼统的违规事由，实则是银行业风险积聚的关键漏洞。它通常指向贷前调查不 实、贷时审查不严、贷后监控流于形式等环节的失守，极易导致信贷资金被挪用、流向限制性领域，甚至掩 盖真实不良资产，最终侵蚀银行的资产质量根基。 对华夏银行来说，贷款管理问题是其近年来合规治理中反复发作的"顽疾"。2025年9月5日，华夏银行总行因 相关贷款、票据、同业等业务管理不审慎以及监管数据报送不合规等多项严重违规，被国家金融监督管理总 局处以8725万元巨额罚单。总行层面的贷款管理"缺陷"，势必会在其分支机构的日常经营中频现身影。 除济宁分行外，在刚刚过去的2025年，华夏银行还有南昌分行、廊坊分行、石家庄分行等分支机构因贷款管 理问题而被金融监管部门处罚。 2025年12月31日，华夏银行（600015）股份有限公司济宁分行因"贷款管理不到位"，被国家金融监督管理总 局济宁监管分局罚款40万元，时任副行长同时被警告。 | 作出决定 | 机关 | 国家金融 | 监督管理 | | 总局济宁 | 监管分局 | 国家金融 | 监督管理 | 总局济宁 | 监管分局 | | | --- | --- | --- | --- ...

同时，时任昌邑北海村镇银行行长亦因对该行"贷款管理不到位"问题负有责任，被潍坊监管分局处以警告。两份处罚决定均由国家金融监督管理总局潍坊 监管分局于同日作出。 齐鲁晚报齐鲁壹点李国栋 近日，根据国家金融监督管理总局官网发布的《行政处罚信息公开表》(潍金罚决字〔2025〕25、27号)，潍坊监管分局对昌邑北海村镇银行作出行政处 罚，认定其主要违法违规事实为"贷款管理不到位"。依据相关监管规定，潍坊监管分局对该行处以罚款30万元。 | 序号 | 当事人名 | 行政处罚 决定书文 | 主要造法 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | | 称 | | 违规行为 | 内容 | 机关 | | | | 름 | | | | | 1 | 昌邑北海 村镇银行 | 潍金罚决 | | | 国家金融 监督管理 | | | | 字 | | 罚款30万 | | | | 股份有限 | 〔2025〕 | | 元 | 总局潍坊 | | | 公司 | 25号 | 贷款管理 | | 监管分局 | | 2 | 孙正正 | | | | | | | (时任昌 | 潍会罚决 | 不到位 ...

Core Insights - On December 5, three banks, namely Industrial Bank, Huishang Bank, and Chengdu Bank, received regulatory fines totaling over 23 million yuan, highlighting ongoing compliance issues within the banking sector [1][12][13] - The fines reflect a "zero tolerance" approach from regulators towards violations, with each bank facing penalties around 8 million yuan, indicating a strong commitment to rectifying compliance failures [1][12][13] Summary by Category Regulatory Actions - Industrial Bank was fined 7.2 million yuan, with a responsible individual receiving a warning and a 60,000 yuan fine, marking a significant penalty following previous fines for inadequate loan management [1][12][13] - Huishang Bank faced a total of 8.66 million yuan in fines, with violations including improper loan issuance and inadequate post-loan management, indicating deep-rooted governance issues [2][3][12][15] - Chengdu Bank was fined 900,000 yuan, with 15 branches collectively fined 6.35 million yuan, reflecting widespread internal control challenges across its operations [3][4][12][16] Common Violations - "Inadequate loan management" emerged as a common issue among the penalized banks, representing a significant area of regulatory concern within the industry [5][17] - A report indicated that 57.05% of banking violations were related to credit business, with "inadequate loan management" being the most frequent reason for penalties, accounting for 12.99% of cases [5][17] Systemic Issues - The penalties highlight systemic weaknesses in loan management and internal controls across the banking sector, suggesting a misalignment between growth objectives and risk management practices [9][21][23] - The reliance on external institutions for loan management has introduced new compliance risks, as seen in the case of Industrial Bank, which was penalized for inadequate management of external partners [10][22] Regulatory Trends - The regulatory environment is shifting towards more stringent oversight and systemic governance, with a focus on integrating compliance into the core operations of banks [11][23] - Continuous regulatory penalties may not significantly impact the financials of large banks, but the reputational damage and operational restrictions could have long-term implications [11][23]

以下为原文： 北京银行股份有限公司南昌高新支行及相关责任人员存在以下主要违法违规行为：贷后管理不到 位。江西监管局对北京银行股份有限公司南昌高新支行罚款30万元；对责任人朱敏给予警告，罚款6万 元。 中国经济网北京5月11日讯 国家金融监督管理总局江西监管局9日发布行政处罚信息公示表显示， 北京银行股份有限公司南昌分行及相关责任人员存在以下主要违法违规行为：贷款管理不到位；违规调 整还款计划；贷后管理不到位。江西监管局对北京银行股份有限公司南昌分行罚款170万元；对陈薇 地、李征宇、周文军、肖兵等责任人员给予警告，罚款共计34万元。 北京银行股份有限公司南昌红谷滩支行及相关责任人员存在以下主要违法违规行为：贷后管理不到 位。江西监管局对北京银行股份有限公司南昌红谷滩支行罚款40万元；对周雪晴、甘敬义等责任人员 警告并罚款共计13万元。 （责任编辑：徐自立） | 序号 | 当事人名称 | 主要违法违规行 | 行政处罚内容 | 作出决定机 | | --- | --- | --- | --- | --- | | | | 为 | | 米 | | 1 | 支行及相关 | | 对北京银行股 | | | | 北京银行股 | ...