12月8日金融一线消息，据四川金融监管局行政处罚信息公开表显示，成都银行股份有限公司因对相关 贷款、存款、贴现、票据业务管理不审慎等被对成都银行股份有限公司罚款90万元；对成都银行股份有 限公司绵阳分行、眉山分行、天府新区分行、简阳支行、崇州支行、温江支行、彭州支行、青羊支行、 都江堰支行、锦江支行、金牛支行、大邑支行、琴台支行、成华支行、双流支行等15家分支行处以罚款 合计635万元。 同时，孙洵、艾志伟、袁勇、严勇军、李丹、刘峰、向蕾、雷建华、杨毅、邱黎源、蒋 瑛、樊蕊、杨琼因 对相关贷款、存款、贴现、票据业务管理不审慎等，被警告并罚款合计73万元。 以下为罚单详细信息： | | | | | 作 | | --- | --- | --- | --- | --- | | | | | | 出 | | 序 | 当事人名 | 主要违法违 | 行政处罚内容 | 决 | | 号 | 称 | 规行为 | | 定 | | | | | | 机 | | | | | | 关 | | | | | 对成都银行股份有限公司罚款90万元；对成都银行股份有限公司绵阳分 | 四 | | | 成都银行 | 对相关贷 | 行、眉山分行、天府新区 ...

11月27日，中国人民银行贵港市分行发布的行政处罚决定信息公示表显示，中国农业银行股份有限公司贵港分行（以下简称"农行贵港分行"）因两项违法违 规行为被监管处罚：一是违反账户管理规定，二是未按规定履行客户身份识别义务。据此，监管部门对该行给予警告并处以28.9万元罚款；该行个人金融部 员工许某、梁某春因对"未按规定履行客户身份识别义务"负有直接责任，分别被处以1.4万元罚款。 | 序号 | 当事人名称 | 行政处罚 | 违法行为类型 | 行政处 | 作出行政处罚 | 作出行政处罚 | 公示期限 (自公示之 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | (姓名、职务) | 决定书文号 | | 罚内容 | 决定机关名称 | 决定日期 | | | | | | | | | | 日起算) | | | 中国农业银行股份有 限公司贵港分行 | 贵银罚决字 〔2025〕 4 号 | 1. 违反账户管理规定; 2. 未按规定履行客户身份 | 警告,罚款 28.9 | 中国人民银行 贵港市分行 | 2025年11月24日 | 三年 | | | | | 识别义 ...

Group 1 - Shenzhen Financial Regulatory Bureau issued three fines in November, with one bank fined over 3 million yuan [1][6] - China Export & Credit Insurance Corporation Shenzhen Branch was fined 110,000 yuan for not using approved insurance terms and inadequate risk management [1][3] - Guangdong Huaxing Bank Shenzhen Branch faced multiple penalties this year, including a fine of 600,000 yuan for improper discounting practices and inflated deposits [4][5] Group 2 - Zhejiang Commercial Bank Shenzhen Branch was fined 3.3 million yuan due to inadequate pre-loan investigations and poor credit management [6][7] - A total of nine responsible individuals from Zhejiang Commercial Bank were penalized, with fines ranging from 5,000 to 6,000 yuan [6][7] - The bank has been operational since April 2010 and is the first branch established by Zhejiang Commercial Bank outside of Zhejiang Province [7]

Group 1 - The National Financial Supervision Administration has imposed a fine of 3 million yuan on Zhongzai Asset Management Co., Ltd. for failing to properly utilize insurance company funds [1] - Related personnel, including Liu Fan, Zhou Jinrong, Liu Feng, and Lu Jie, received warnings and fines totaling 230,000 yuan [1]

Core Points - The People's Bank of China issued a warning and fined CITIC Bank 15.357 million yuan for multiple regulatory violations [1] Summary by Categories Regulatory Violations - CITIC Bank violated financial statistical regulations [1] - The bank breached account management regulations [1] - There were violations related to counterfeit currency management [1] - The bank was found to have withheld fiscal deposits or funds [1] - Violations occurred in the collection, provision, inquiry, and management of credit information [1] - The bank failed to fulfill customer identity verification obligations as required [1] - There was non-compliance in retaining customer identity data and transaction records [1] Penalty Details - The administrative penalty decision was made on September 22, 2025 [1]

Group 1 - The core point of the article is that the Hainan Securities Regulatory Bureau issued a warning letter to Huaxia Bank's Haikou branch due to multiple regulatory violations [1][2][3] - The violations include the lack of qualified personnel for fund sales, failure to incorporate long-term investment returns into performance evaluations, and inadequate self-assessment of investor suitability [2] - This warning is the first penalty issued to Huaxia Bank by the regulatory authority this year, with the current branch manager having taken office in February [3] Group 2 - Huaxia Bank has faced multiple penalties this year, with a total of 20 fines issued across various branches, including 10 from the main regulatory bureau and 10 from local branches [4] - Recent penalties in August involved issues such as inadequate loan checks, misappropriation of loan funds, and violations of prudent operation rules, with specific fines amounting to 1.7 million yuan and 400,000 yuan for different branches [4][5] - The bank was established in 1992 and is notable for being the only national commercial bank initiated by a manufacturing enterprise, having undergone significant structural changes and public offerings since its inception [5]

Core Points - ANZ has been fined a total of AUD 240 million (approximately USD 160 million) by the Australian Securities and Investments Commission (ASIC) due to significant misconduct in bond trading and retail operations [2][5][9] Group 1: Bond Trading Misconduct - ASIC's investigation revealed that ANZ exaggerated bond trading volumes by "hundreds of billions" and engaged in widespread misconduct affecting nearly 65,000 customers [1][5] - On April 19, 2023, ANZ assisted in a AUD 14 billion bond issuance but failed to manage market impact appropriately, selling large amounts of 10-year Australian bond futures, which pressured bond prices downward [4][5] - ANZ admitted to these actions and acknowledged its failure to fulfill obligations as a licensed financial service provider, agreeing to pay a fine of AUD 125 million [5][9] Group 2: Retail Business Issues - ANZ faced a total fine of AUD 115 million for three retail business-related issues [6][9] - The first issue involved ANZ's failure to respond to 488 customer hardship notices from May 2022 to September 2024, leading to continued default notices and referrals to external collection agencies [7] - The second issue was related to false and misleading statements regarding savings interest rates, where ANZ failed to deliver promised rates to thousands of customers from July 2013 to January 2024 [8] - The third issue involved ANZ's failure to refund fees to deceased customers within the required timeframe from July 2019 to June 2023, causing difficulties for the relatives of the deceased [8] Group 3: Overall Penalties and Historical Context - Since 2016, ASIC has initiated eleven civil proceedings against ANZ, with total proposed and imposed fines exceeding AUD 310 million [9] - ANZ has been a significant player in the Australian market and has maintained a presence in China for over 30 years, with total assets of RMB 36.305 billion as of the end of 2024 [12]

Core Viewpoint - A number of financial institutions in China have been penalized by the Financial Regulatory Bureau, with total fines exceeding 150 million yuan, highlighting issues related to compliance and risk management practices across the sector [1][2]. Group 1: Penalties on Major Banks - Guangfa Bank and Hengfeng Bank were fined over 60 million yuan each, with Guangfa Bank receiving a fine of 66.7 million yuan due to imprudent management of loans, bills, and factoring, as well as non-compliance in regulatory data reporting [2]. - Hengfeng Bank was fined 61.5 million yuan for similar violations, including imprudent management of loans and regulatory data reporting [2]. - Both banks acknowledged the penalties and stated they have completed the necessary rectifications and are committed to improving their risk management frameworks [2]. Group 2: Other Financial Institutions Penalized - Huaxia Wealth Management was fined 12 million yuan for non-compliance in investment operations and regulatory data reporting [3]. - Several other institutions, including China Export-Import Bank, China Construction Bank, and Everbright Bank, received fines exceeding 1 million yuan for various compliance failures, such as inaccurate risk classification and inadequate management of outsourced IT services [4]. - Notably, China Export-Import Bank was fined 1.3 million yuan for inadequate country risk management, while Everbright Bank faced a fine of 4.3 million yuan for deficiencies in IT outsourcing management [4].

Core Viewpoint - The financial regulatory authority has issued the largest fine of the year, totaling 87.25 million yuan, against Huaxia Bank for multiple violations in loan, bill, and interbank business management [2][3]. Group 1: Regulatory Actions - Huaxia Bank was fined 87.25 million yuan due to non-compliance in risk management and internal control effectiveness, following an on-site inspection by the financial regulatory authority [2][3]. - Zhejiang Merchants Bank was fined 11.308 million yuan for imprudent management of internet loan-related businesses, with a warning issued to a responsible individual [3]. - China Construction Investment was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and non-compliance in service fee pricing procedures [4]. Group 2: Personnel Penalties - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for 5 and 7 years, respectively, due to serious violations of prudent operation rules [5]. - The former general manager of ICBC's asset management department, Gu Jian Gang, faced severe disciplinary actions for corruption and misconduct, including being expelled from the party and public office [6]. Group 3: Financial Performance of Huaxia Bank - In the first half of 2025, Huaxia Bank reported a revenue of 45.522 billion yuan, a year-on-year decrease of 5.86%, and a net profit attributable to shareholders of 11.47 billion yuan, down 7.95% [3]. - The bank's total assets reached 4.5496 trillion yuan, reflecting a growth of 3.96% compared to the end of the previous year [3]. - The non-performing loan balance was 38.67 billion yuan, an increase of 756 million yuan from the end of the previous year, with a non-performing loan ratio of 1.6%, unchanged from the previous year [3].

Core Viewpoint - The National Financial Supervision Administration has announced a series of administrative penalties against banks, financial asset management institutions, and several financial personnel, with total fines exceeding 100 million yuan and three individuals banned from the industry [1] Group 1: Penalties on Banks - Huaxia Bank was fined 87.25 million yuan for imprudent management of loans, bills, and interbank business, along with non-compliance in regulatory data reporting [2][3] - Zhejiang Commercial Bank was penalized a total of 11.308 million yuan for imprudent management of internet loans and related businesses [4] - The Industrial and Commercial Bank of China employees, Li Chao and Yi Zhongbin, were banned from the banking industry for 5 and 7 years respectively for using their positions to conduct illegal wealth management activities [4] Group 2: Penalties on Financial Asset Management Institutions - Jianxin Financial Asset Investment Co., Ltd. was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and non-compliance in service fee pricing procedures [4] - The Industrial Bank Financial Asset Investment Co., Ltd. was fined 400,000 yuan for non-compliance in service pricing management [5] - Jiaoyun Insurance Asset Management Co., Ltd. faced fines totaling 1.15 million yuan for operations related to trust plans and debt investment plans that did not meet regulatory requirements [5]