原董事长刚获刑不久，旗下支行再踩红线。 高层腐败落马与基层违规操作接连曝光，叠加年内频繁的人事变动，这家背负着区域金融使命的省级法 人银行，将如何破除长期以来的合规难题引发市场关注。 涉"贷款业务违规"多次被罚 12月8日，据遵义金融监管分局行政处罚信息公开表显示，贵州银行遵义播州支行在经营过程中存在违 规存贷挂钩行为，被处以罚款30万元。同时，时任该支行行长杨晓因对违规行为负有直接责任，被处以 禁止终身从事银行业工作。 对此，有业内人士告诉记者，"存贷挂钩"通常是指银行把"吸收存款"作为发放贷款的前提条件。这种操 作存在多重潜在风险：一方面，以此方式留存的存款稳定性极差，一旦企业遭遇资金周转困境或市场环 境波动，便可能无法维持足额存款余额，直接导致银行存款流失；另一方面，企业为满足贷款前提需额 外承担存款相关成本，融资压力陡增，可能进一步影响其生产经营效率与还款能力，最终推高银行不良 贷款风险。 事实上，监管层早已明令禁止此类行为，早在2012年下发的《关于整治银行业金融机构不规范经营的通 知》中就已明确要求，银行业金融机构需严格分离贷款业务与存款业务，不得以存款作为贷款审批和发 放的前置条件。 值得关注的 ...

Core Viewpoint - The People's Bank of China has imposed significant penalties on Beijing Bank for multiple violations, totaling over 40 million yuan, highlighting serious compliance issues within the bank's operations [1][2][3]. Summary by Category Regulatory Actions - Beijing Bank was penalized for nine violations, including breaches of account management, anti-money laundering regulations, and customer identity verification [2][3]. - The total fines included the confiscation of illegal gains amounting to 1,886.3 yuan and a fine of 25.2685 million yuan [1][2]. Compliance Issues - The violations indicate systemic weaknesses in key areas such as payment settlement, anti-money laundering, and credit information management [2][3]. - A total of 11 responsible personnel from various core departments were also fined, reflecting the widespread nature of the compliance failures [1][2]. Financial Performance - In Q1 2025, Beijing Bank reported a revenue of 17.127 billion yuan, a year-on-year decrease of 3.18%, marking the first quarterly negative growth in 12 years [3][5]. - The bank's total assets reached 4.75 trillion yuan, but growth has slowed, with a revenue decline of 1.08% in the first three quarters of 2025 [3][5]. Competitive Position - As of June 2025, Beijing Bank's asset scale of 4.75 trillion yuan was surpassed by Jiangsu Bank's 4.79 trillion yuan, indicating increasing competitive pressure [5]. - The bank's core Tier 1 capital adequacy ratio has been declining, from 9.54% in 2022 to 8.95% in 2024 [5].