记者丨唐曜华 编辑丨方海平 今年第三季度金融机构共收到2133张罚单，罚没金额达10.24亿元，分别环比大增36.12%、190.91%，相比去年同期也明显增加。 一、三季度不同类型机构处罚情况 国家金融监督管理总局第三季度共给金融机构开罚单1141张，合计罚没金额6.5亿元，虽然罚单数量同比略减少20.82%，但罚没金额同比增加46.4%。 央行处罚力度明显大增，罚单数量和罚没金额均同比大增超3倍，今年第三季度给金融机构开718张罚单，同比大增357.32%，罚没金额2.84亿元，同比大 增353.34%。 从今年前三季度金融机构被罚整体情况来看，一季度处罚力度不小，二季度处罚力度有所回落，三季度处罚力度再次大增。 其中银行第三季度收罚单1448张，同比增加18.3%，罚没金额8.29亿元，同比大增84.63%。 三季度有3家保险资管公司被处罚，分别为太平资产、太保资产、交银保险资管，合计罚没金额893万元。其中太保资产、交银保险资管被罚违规事项均包 括债权投资计划相关操作不符合监管要求，太平资产和交银保险资管还涉及投资方面的违规行为等。 有2家金融资产投资公司被罚，分别为工银金融资产投资有限公司、建信金融 ...

以下文章来源于21世纪资管研究院 ，作者21世纪资管研究院 21世纪资管研究院 . 21世纪资管研究院是南方财经全媒体集团旗下致力于资管领域政策和业务研究的独立智库，研究院宗 旨：探索全球资管发展新趋势，求解国内资管发展新问题，搭建资管人才成长大平台，促进资管行业健 康长远发展。 记者丨 唐曜华 编辑丨方海平 今年第三季度金融机构共收到2133张罚单， 罚没金额达10.24亿元，分别环比大增36.12%、 190.91%，相比去年同期也明显增加。 一、三季度不同类型机构处罚情况 国家金融监督管理总局第三季度共给金融机构开罚单1141张，合计罚没金额6.5亿元，虽然罚 单数量同比略减少20.82%，但罚没金额同比增加46.4%。 央行处罚力度明显大增，罚单数量和罚没金额均同比大增超3倍，今年第三季度给金融机构开 718张罚单，同比大增357.32%，罚没金额2.84亿元，同比大增353.34%。 其中银行第三季度收罚单1448张，同比增加18.3%，罚没金额8.29亿元，同比大增84.63%。 保险公司（含保险经纪公司）第三季度罚单数量471张，同比略增7.29%，罚没金额9385.98万 元，同比增41.57 ...

央行处罚力度明显大增，罚单数量和罚没金额均同比大增超3倍，今年第三季度给金融机构开718张罚 单，同比大增357.32%，罚没金额2.84亿元，同比大增353.34%。 从今年前三季度金融机构被罚整体情况来看，一季度处罚力度不小，二季度处罚力度有所回落，三季度 处罚力度再次大增。 今年第三季度金融机构共收到2133张罚单，罚没金额达10.24亿元，分别环比大增36.12%、190.91%，相 比去年同期也明显增加。 一、三季度不同类型机构处罚情况 国家金融监督管理总局第三季度共给金融机构开罚单1141张，合计罚没金额6.5亿元，虽然罚单数量同 比略减少20.82%，但罚没金额同比增加46.4%。 其中银行第三季度收罚单1448张，同比增加18.3%，罚没金额8.29亿元，同比大增84.63%。 保险公司（含保险经纪公司）第三季度罚单数量471张，同比略增7.29%，罚没金额9385.98万元，同比 增41.57%。券商收罚单45张，同比减少30.77%，环比增加40.63%。 三季度有3家保险资管公司被处罚，分别为太平资产、太保资产、交银保险资管，合计罚没金额893万 元。其中太保资产、交银保险资管被罚违规事 ...

Core Viewpoint - Tongcheng Group's subsidiary, eLong, has acquired 100% of Newborn Payment Co., Ltd., gaining a payment license to capitalize on opportunities in cross-border trade and cultural tourism in the Hainan Free Trade Port [1][3][4] Group 1: Acquisition Details - The acquisition of Newborn Payment was executed through a full acquisition by eLong, which is a subsidiary of Tongcheng Group [3] - Newborn Payment, established in 2008 with a registered capital of 100 million RMB, was previously under HNA Group and has held a payment business license since 2011 [3][4] - The payment license allows Newborn Payment to conduct various payment services, including internet payment, prepaid card issuance, and bank card acceptance, with a license validity until May 2026 [3][4] Group 2: Strategic Considerations - The acquisition aligns with Tongcheng's strategy to leverage the development of the Hainan Free Trade Port, enhancing its capabilities in cross-border commerce and cultural tourism [1][6] - Newborn Payment is the only licensed payment institution in Hainan, positioning it to benefit from the region's favorable policies as it approaches the 2025 deadline for becoming a high-level free trade port [4][5] Group 3: Industry Context - The payment industry is transitioning into a phase where acquiring licenses through acquisition is becoming a common strategy due to regulatory constraints on new applications [3][7] - The importance of having a complete payment license is emphasized, as it allows companies to reduce costs associated with partnering with external licensed payment institutions [6][8] Group 4: Future Opportunities - The acquisition is expected to enhance Tongcheng's service offerings, allowing for better integration of financial services within its existing travel platform [8][9] - The move is seen as a step towards building a comprehensive financial ecosystem, which is crucial for maintaining competitiveness in the digital economy [9][10]

Core Viewpoint - Multiple financial institutions have been fined by regulatory authorities for various compliance and operational deficiencies, highlighting the need for improved risk management and compliance systems across the sector [2][3][4]. Group 1: Penalties Overview - On September 12, the National Financial Regulatory Administration disclosed penalties against several financial institutions, with a total of 148.7 million yuan (approximately 21.1 million USD) imposed on 8 banks, 14.2 million yuan (approximately 2 million USD) on 2 wealth management companies, and 2.825 million yuan (approximately 400,000 USD) on 1 insurance company [2]. - The penalties stem from issues such as deficiencies in information technology and system management, weak risk management and internal controls, violations in investment and wealth management operations, and problems with data governance and reporting [2]. Group 2: Specific Violations by Banks - Several banks, including Guangfa Bank, Hengfeng Bank, Minsheng Bank, and others, received fines exceeding 1 million yuan for violations related to regulatory data misreporting and improper management of loans and wealth management [3]. - Guangfa Bank was fined 66.7 million yuan (approximately 9.5 million USD) for improper management of loans and regulatory data misreporting, with two responsible individuals fined a total of 100,000 yuan (approximately 14,000 USD) [3]. - Hengfeng Bank faced a fine of 61.5 million yuan (approximately 8.7 million USD) for similar violations, with four responsible personnel fined a total of 250,000 yuan (approximately 35,000 USD) [3]. Group 3: Wealth Management and Investment Violations - Wealth management and investment operations were significant areas of concern, with institutions like Huaxia Wealth Management fined 12 million yuan (approximately 1.7 million USD) for non-compliance in investment operations and data reporting [4]. - Citic Bank was fined 5.5 million yuan (approximately 780,000 USD) for inaccurate risk classification in wealth management assets, while its subsidiary, Xinyin Wealth Management, was fined 2.2 million yuan (approximately 310,000 USD) for regulatory non-compliance in product naming and investment ratios [4]. - In the insurance sector, Hengda Life Insurance faced penalties for severe non-compliance in fund utilization and management, resulting in fines totaling 2.825 million yuan (approximately 400,000 USD) for 20 responsible personnel [4]. Group 4: Policy Bank Penalties - The only policy bank involved in this round of penalties was the China Export-Import Bank, which was fined 1.3 million yuan (approximately 180,000 USD) for inadequate country risk management and salary payment management [5].

登录新浪财经APP 搜索【信披】查看更多考评等级 21世纪资管研究院研究员 唐曜华 实习生 姜博文 8月金融机构共收到573张罚单，合计罚没金额2.14亿 元，处罚力度环比有所回落。但在部分领域依然保持较高的处罚频次。 一、8月不同类型机构处罚情况 从监管机构维度看，8月各部门处罚力度较7月整体有所回落，但外管局罚没金额同比、环比均呈增长态 势。 外管局8月以25张罚单、1182.26万元罚没金额，较7月的罚单数量和金额上均大幅提升，主要处罚违反 外汇账户管理规定、违反规定办理结汇业务、违反规定办理资本项目资金收付等。 央行仍保持较大处罚力度，以205张罚单、9749.21万元罚没金额，主要处罚违反反洗钱管理规定、违反 征信业务管理规定、违反信用信息采集/提供/查询及相关管理规定等。尤其对违反反洗钱相关规定保持 一定处罚力度。 证监会8月罚单数量与7月持平，重点处罚内部控制不健全、未对互联网营销活动进行有效管控、基金销 售违规等。 从月度分布来看，今年前8个月金融机构处罚呈现出明显的月度波动特征，1月和7月为处罚小高峰，8月 处罚力度整体有所回落。 8月罚单数量为573张，相较于7月的924张减少了37.99 ...

21世纪资管研究院研究员 唐曜华 实习生 姜博文 8月金融机构共收到573张罚单，合计罚没金额2.14亿元，处罚力度环比有所回落。但在部分领域依然保持较 高的处罚频次。 一、8月不同类型机构处罚情况 从监管机构维度看，8月各部门处罚力度较7月整体有所回落，但外管局罚没金额同比、环比均呈增长态势。 外管局8月以25张罚单、1182.26万元罚没金额，较7月的罚单数量和金额上均大幅提升，主要处罚违反外汇账户管理规定、违反规定办理结汇业务、违反规 定办理资本项目资金收付等。 央行仍保持较大处罚力度，以205张罚单、9749.21万元罚没金额，主要处罚违反反洗钱管理规定、违反征信业务管理规定、违反信用信息采集/提供/查询及 相关管理规定等。尤其对违反反洗钱相关规定保持一定处罚力度。 证监会8月罚单数量与7月持平，重点处罚内部控制不健全、未对互联网营销活动进行有效管控、基金销售违规等。 从月度分布来看，今年前8个月金融机构处罚呈现出明显的月度波动特征，1月和7月为处罚小高峰，8月处罚力度整体有所回落。 8月罚单数量为573张，相较于7月的924张减少了37.99%；罚没金额为2.14亿元，较7月减少33.74%。这表明 ...

Group 1 - The Hong Kong Virtual Asset Listed Companies Association (HKVALA) has been officially established, marking a new phase of "regulatory leadership and self-discipline" in the digital asset industry in Hong Kong [1][3] - The association was initiated by over 50 listed companies from Hong Kong, the US, and China, covering the entire industry chain including finance, technology, and real economy [3] - HKVALA aims to promote compliance innovation and large-scale application in frontier areas such as stablecoins and Real World Asset (RWA) tokenization, while establishing a long-term self-regulatory governance mechanism [3] Group 2 - Huaxing Capital is recognized for its expertise in the new economy and digital asset sectors, with its chairman, Xu Yanqing, appointed as the honorary president of HKVALA [1][3] - Huaxing Capital has announced a special budget of $100 million to fully enter the stablecoin and RWA sectors, and has formed a strategic partnership with YZi Labs to allocate $100 million in BNB [3] - Xu Yanqing emphasized that digital assets represent a historical opportunity for the restructuring of the global financial system, and Huaxing Capital will continue to uphold compliance and long-term value [3]

Group 1 - The Financial Regulatory Authority released a draft for the "Commercial Bank M&A Loan Management Measures," aiming to increase the upper limit of M&A loans as a percentage of transaction value and extend the maximum loan term to better meet corporate financing needs [1] - The draft specifies that controlling M&A loans cannot exceed 70% of the transaction value, while equity funding must be at least 30%. For participatory M&A loans, the limits are 60% and 40% respectively [1] - The maximum term for controlling M&A loans is set at ten years, while participatory loans are capped at seven years [1] Group 2 - Several banks, including Xinyi Rural Commercial Bank and Yunnan Maguan Rural Commercial Bank, issued statements denying any collaboration with credit card intermediaries, warning consumers against fraudulent practices [2] - The newly appointed president of Zijin Bank, Que Zhenghe, has extensive experience in banking management, having worked in various rural credit institutions [2] - Bohai Bank faced a fine of 1.65 million yuan due to inadequate credit investigation and post-loan management, accumulating over 5 million yuan in penalties this year [2] Group 3 - Hengfeng Bank's Chongqing branch was fined 2.6 million yuan for multiple violations, including concealing non-performing loans and inadequate loan reviews [3] - Despite efforts to reduce non-performing loans, Hengfeng Bank's major shareholder recently took over approximately 5.465 billion yuan in non-performing assets, indicating ongoing challenges in asset management [3] Group 4 - Mianyang Rural Commercial Bank was fined 1.477 million yuan for various financial violations, including breaches of financial statistics and account management regulations [4] - Starting September 1, several banks plan to implement a subsidy policy for personal consumption loans, potentially lowering actual interest rates to around 2% [4] - Jiu Tai Rural Commercial Bank anticipates a net loss of approximately 898 million yuan for the first half of 2025, primarily due to increased asset impairment losses [4]

Core Points - Jinshang Bank has been issued a warning letter by the Shanxi Securities Regulatory Bureau due to violations related to the qualifications of its fund sales department personnel and failure to submit necessary documentation for personnel changes [1][2] - The regulatory body emphasized the need for Jinshang Bank to take immediate corrective actions, enhance internal control systems, and improve compliance management in fund sales [1] - In addition to the recent violations, Jinshang Bank has previously faced penalties for allowing personnel to perform duties without proper approval, resulting in a fine of 300,000 yuan [3]