21世纪经济报道记者张欣 2026年开春，农业银行与中国银行相继发布公告，分别由行长王志恒、张辉兼任本行首席合规官。此次系两家银行首次设立首 席合规官职位，且均由总行行长亲自兼任，被业内认为"高配"，反映出国有大行对合规内控的重视。 此番高层人事调整，是2024年12月国家金融监督管理总局《金融机构合规管理办法》政策要求下的实质性落地。《合规办法》 明确要求，金融机构应当在机构总部设立首席合规官，且首席合规官应为高级管理人员，并允许行长（总经理）或其他高级管 理人员兼任。该办法自2025年3月1日起正式施行，给予行业一年过渡期。 随着《办法》所设过渡期临近尾声，从国有大行、股份制银行到地方城商行、农商行，各类银行业金融机构正迎来首席合规官 的集中聘任与任命潮。 2025年12月，就有多家银行完成相关人事任命。例如，兴业银行聘任副行长孙雄鹏为首席合规官，平安银行也聘任行长助理吴 雷鸣兼任该职，江阴农商行则由行长倪庆华兼任。去年11月，宁波银行也聘任副行长王勇杰为首席合规官，常熟银行也宣布由 新任行长陆鼎昌兼任这一职务；2026年2月11日晚间，光大银行亦公告称，聘请杨文化为该行副行长兼首席合规官。 （图源：农行 ...

Core Viewpoint - The recent disclosures from the China Securities Regulatory Commission (CSRC) highlight ongoing issues faced by several banks in their listing guidance reports, including legal disputes, capital adequacy ratios, and ownership structure concerns, amidst a decline in the number of bank listings in recent years [1][2]. Group 1: Listing Guidance Reports - Multiple banks, including Fujian Haixia Bank, Chengdu Rural Commercial Bank, and others, are currently in the listing guidance phase, with a generally prolonged guidance period [1]. - The reports indicate that issues such as unverified property rights and the need for improved corporate governance and internal control systems are prevalent among the banks undergoing guidance [2]. - Historical issues, such as capital adequacy pressures and ownership structure complications, have been repeatedly mentioned in various banks' guidance reports, indicating persistent challenges [3]. Group 2: Challenges in the Listing Process - The core challenges in resolving these long-standing issues stem from historical legacies involving shareholding complexities, such as pledged shares and frozen assets, which require coordination among multiple stakeholders and judicial processes [4]. - Factors influencing the bank listing process include macroeconomic conditions, market environments, regulatory policies, and internal governance, with macroeconomic and market fluctuations being the most significant [4]. - To advance the listing process, banks are encouraged to not only focus on internal governance but also to enhance their ownership structure, asset verification, and decision-making mechanisms while actively engaging with regulatory bodies to adapt to policy changes [4].

Core Viewpoint - Zhejiang Mintai Commercial Bank faces significant compliance issues highlighted by a recent fine of 7.15 million yuan due to multiple violations across its core business operations, raising concerns about its internal control systems and overall governance [1][2][4]. Compliance Issues - The Shanghai Financial Regulatory Bureau imposed a fine of 7.15 million yuan on Mintai Bank's Shanghai branch for ten violations, indicating serious lapses in its business operations [2][3]. - Specific violations include improper deposit collection through third parties, inadequate post-loan management for working capital loans, and inaccurate classification of loans, reflecting systemic weaknesses in compliance and risk management [3][4]. Financial Performance - Despite maintaining revenue growth, Mintai Bank's net profit has declined, with a year-on-year drop of over 14% expected in 2024. Revenue figures for 2022, 2023, and 2024 were 6.22 billion yuan, 6.70 billion yuan, and 7.21 billion yuan respectively, while net profits were 1.23 billion yuan, 1.34 billion yuan, and 1.15 billion yuan [8]. - As of the end of Q3 2025, the bank's total assets reached 321.45 billion yuan, showing growth from 312.78 billion yuan at the end of 2024 [8]. Governance and Capital Structure - The introduction of state-owned capital is seen as a potential solution to Mintai Bank's governance and compliance challenges, with recent capital increases aimed at enhancing its capital adequacy ratio and supporting its small and micro-financial services [5][6]. - The bank's registered capital increased from 4.607 billion yuan to 5.697 billion yuan, with significant stakes acquired by local state-owned enterprises [5][6]. Strategic Recommendations - Experts suggest that Mintai Bank should align its risk control capabilities with its growth strategies, incorporating compliance costs into its budget and enhancing internal governance mechanisms [9]. - The bank is encouraged to accelerate its digital transformation, focusing on local small and micro-business needs, and diversifying its income sources through supply chain finance and other light-capital businesses [9]. Industry Context - The banking sector is experiencing a "Matthew Effect," where larger banks and innovative institutions thrive while smaller regional banks face significant operational pressures due to limited capital and technological capabilities [9].

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].