Core Viewpoint - Recent regulatory actions against banks in Jiangsu for "excessive qualification investment" highlight the increasing scrutiny on financial institutions' investment practices, particularly among rural commercial banks [1][8]. Group 1: Regulatory Actions - In 2025, four rural commercial banks in Jiangsu received penalties for excessive qualification investments in asset management products or bonds [2]. - Lishui Rural Commercial Bank was fined 400,000 yuan for illegal activities related to excessive qualification investments in asset management products and bonds [4]. - Executives from Lishui Rural Commercial Bank, including the deputy president, were also penalized with warnings and fines for similar violations [5]. Group 2: Financial Performance - Lishui Rural Commercial Bank, established in July 2012, reported a revenue of 730 million yuan and a net profit of 134 million yuan for the first half of 2025, with total assets amounting to 38.512 billion yuan [7]. Group 3: Industry Trends - The trend of "excessive qualification investment" has become prevalent due to increased competition and challenges in credit issuance, leading rural commercial banks to seek alternative income sources [8]. - Many rural commercial banks have seen their investment income double compared to the previous year, making investment returns a significant revenue source [8].