8月25日，中国邮政储蓄银行（下称"邮储银行"）再陷监管风暴。国家金融监督管理总局披露的罚单显 示，邮储银行金华市分行因贷款"三查"流于形式、贷款资金被挪用、给予投保人合同外利益等三项违 规，被处以190万元罚款，三名相关责任人周国跃、杨漾、金鸣峰同时收到监管警告；同日，湖州分行 亦因同类问题被罚40万元。 此次金华、湖州两分行遭罚的违规行为直指银行业核心风控环节。贷款"三查"（贷前调查、贷时审查、 贷后检查）不到位，导致资金未按约定用途使用，不仅违背监管"穿透式"管理要求，更可能引发信贷资 金空转、助长投机炒作等衍生风险。而给予投保人合同外利益的行为，则涉嫌违反《保险法》关于销售 误导的禁止性规定，暴露出该行在银保渠道合规管理上的疏漏。 | | 中国部政储蓄银 | 贷款"三查"不到位, 贷款资金未按约定用 | 对中国邮政储蓄银 行股份有限公司金 | 国家金融监督管 | | --- | --- | --- | --- | --- | | 3 | 行股份有限公司 | 途使用;给予或者承 | 华市分行罚款190 | 理总局金华监管 | | | 金华市分行及相 关责任人 | 诺给予投保人保险合 | 万元;对周国跃、 ...

阙正和现年50岁，此前陆续在县级联社、江苏省联社工作，此番履新前系江苏农商联合银行业务管理部（普惠金融部） 总经理。 上市银行首席合规官开始密集亮相！ 日前，紫金银行、江苏银行先后公告披露，聘任总行行长阙正和（拟任）、袁军兼任首席合规官一职。江西银行则公开 招聘首席合规官。 此前，金融监管总局于去年12月底发布《金融机构合规管理办法》，自今年3月起施行。《办法》规定，金融机构应当在 机构总部设立首席合规官。 陆续亮相 江苏银行日前公告显示，该行已审议通过关于聘任袁军为总行首席合规官的董事会议案。"70后"袁军现任该行党委副书 记、行长，其行长任职资格于去年4月获批。 紫金银行董事会则在8月21日聘任阙正和先生为该行行长，兼任首席合规官，其任职资格尚需报送金融监管机构核准。 2024年12月，在发布征求意见稿4个月后，金融监管总局发布《金融机构合规管理办法》，自2025年3月起正式施行。这 是我国首次对银行、保险、信托、非银行金融机构等领域进行的统一的合规管理制度构建的部门规章。 据统计，去年12月以来，已有多家银行首席合规官任职资格获批，包括吉林银行、华夏银行、始兴大众村镇银行、哈尔 滨银行、瑞穗银行（中国） ...

Core Viewpoint - Shanghai Bank faces significant regulatory penalties and compliance challenges as it appoints a new chairman amidst ongoing scrutiny and performance issues [2][3][4] Regulatory Penalties - Shanghai Bank has been fined over 3,000 million yuan in 2025, including a major penalty of 2,921.75 million yuan from the People's Bank of China for eight violations [3][4] - The Zhejiang Financial Regulatory Bureau imposed an additional fine of 380 million yuan for various compliance failures at the Hangzhou branch [3][4] - The penalties highlight systemic issues in internal controls, anti-money laundering practices, and credit management [4] Financial Performance - Despite recent penalties, Shanghai Bank reported a 4.8% year-on-year increase in revenue for 2024, reaching 52.99 billion yuan, and a reduction in non-performing loan ratio to 1.18% [2][5] - The bank's total assets as of Q1 2025 were 3.27 trillion yuan, reflecting a 1.37% increase, but it has fallen behind competitors like Ningbo Bank [6][7] - Revenue and net profit rankings among city commercial banks have declined, with Shanghai Bank now ranking fifth in revenue and fourth in net profit as of Q1 2025 [7][8] Strategic Changes - The bank has shifted its focus from merely managing asset quality to actively addressing the generation of non-performing loans [6] - Shanghai Bank has implemented significant write-offs of non-performing loans, exceeding 10 billion yuan annually since 2022 [5][6] Leadership Transition - The appointment of Gu Jianzhong as the new chairman comes at a critical time, as he faces the challenge of restoring confidence amid compliance issues and performance declines [2][8] - Gu has emphasized the importance of talent and aims to position Shanghai Bank as a long-lasting institution [9]

Core Viewpoint - The case of illegal loan issuance by Shanxi Yaodu Rural Commercial Bank highlights significant compliance failures within the banking sector, emphasizing the need for improved internal controls and risk management practices [1][2][3]. Group 1: Case Summary - The original loan of 30 million yuan was issued illegally by the bank's branch manager and customer manager, leading to a two-year prison sentence with a two-year probation for both individuals [1][3]. - The court found that the defendants failed to perform due diligence, resulting in a significant risk exposure of 26 million yuan that remained overdue despite partial repayment [2][3]. - The bank attempted to mitigate the consequences by providing a letter of understanding, but the court maintained the original ruling, citing the severity of the offense [1][4][5]. Group 2: Compliance Issues - The case reveals systemic issues in the credit management practices of small and medium-sized banks, where procedural lapses and inadequate oversight contributed to the illegal loan issuance [7][8]. - Historical data indicates that regional banks often prioritize performance over compliance, leading to a culture of negligence in loan management processes [8][9]. - Regulatory actions against banks have increased, with a significant number of penalties issued for compliance failures, particularly in the area of credit management [8][9]. Group 3: Recommendations for Improvement - Experts suggest that banks need to enhance their internal control mechanisms and risk management frameworks to prevent similar incidents in the future [9]. - There is a call for banks to balance compliance with credit growth, ensuring that risk assessment and monitoring processes are robust and effective [9]. - The adoption of financial technology is recommended to improve risk evaluation and monitoring efficiency, alongside a focus on supporting key sectors of the economy [9].