近日，国家金融监督管理总局开出2张大额罚单，对邮储银行、百信银行及其相关负责人合计处罚近 4000万元，处罚原因集中在互联网贷款业务方面。此外，北京金融监管局对北京银行开出530万元罚 单，并对相关责任人给予警告和罚款。 | 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | 름 | | | 对中国部政储蓄银行 | 定机关 | | | 中国邮政储蓄银 | 相关贷款业务、互联网贷 | 股份有限公司罚没含 | 金融监管 | | 1 | 行股份有限公司 | 歌业务、绩效考核、合作 | 计2791.67万元。 | 总局 | | | 及相关责任人员 | 业务等管理不面慎 | 对黄文贤给予警告并 | | | | | | 罚款5万元。 对中信百信银行股份 | | | | | | 有限公司罚款合计 | | | | 中信百信银行股 | 相关互联网贷款等业务管 | 1120万元。 | 金融监管 | | 2 | 份有限公司及相 | 理不审慎、监管数据报送 | 对于晓红取消高级管 | | | | | | | 总局 | | | 关责任人员 | ...

中信百信银行因"相关互联网贷款等业务管理不审慎、监管数据报送不合规等"违法违规行为，合计被罚 1120万元；相关责任人于晓红取消高级管理人员任职资格5年，朱祎敏被给予警告。 中信百信银行对此表示，近日该行收到有关行政处罚决定书，此次处罚事项源自国家金融监督管理总局 于2023年对该行的业务监督检查，处罚涉及的业务发生在2021年1月1日至2023年6月30日期间。该行高 度重视监管意见，已全面落实相关整改措施，不断强化风险内控合规建设，经营发展稳中向好。下一 步，该行将继续严格落实监管要求，坚持依法合规经营，坚定践行国有数字银行普惠初心，持续为客户 提供简单可信赖的数字金融服务。 北京银行因"贷款风险分类不准确，金融投资业务减值准备计提不充足，违规办理票据业务，贷款数据 不准确，消费者权益保护工作不规范，法人商用房按揭贷款贷前调查不到位，违规为土地储备项目融 资"等违法违规行为，被北京金融监管局处罚款合计530万元，相关负责人徐凯、王瑾分别被警告并处罚 款5万元。 9月30日，国家金融监督管理总局开出2张大额罚单，对邮储银行、百信银行及其相关负责人合计处罚近 4000万元，处罚原因集中在互联网贷款业务方面。此 ...

Core Viewpoint - Beijing Zhongguancun Bank has been penalized multiple times for regulatory violations, particularly related to third-party deposit absorption and internet personal loans, which have impacted its financial performance in 2024 [2][3][5]. Regulatory Violations - The bank has been fined a total of 1.4 million yuan for various violations, including paying third parties to absorb deposits and inadequate management of internet personal loans [4][5]. - Over the past four years, Zhongguancun Bank has received four regulatory penalties, indicating ongoing compliance issues [3][5]. Financial Performance - In 2024, Zhongguancun Bank reported a revenue of 1.818 billion yuan, a decrease of 1.36% year-on-year, and a net profit of 275 million yuan, down 11.29% [10]. - The total deposits at the bank fell to 52.889 billion yuan, a decline of 0.48% compared to the previous year [10]. - Despite the declines in revenue, net profit, and total deposits, the bank's total assets increased to 74.939 billion yuan, up 3.07%, and total loans rose to 43.931 billion yuan, a growth of 15.35% [10]. Challenges Ahead - The bank faces significant challenges in resolving its regulatory issues while attempting to reverse its declining financial performance [11]. - The need for compliance in partnerships with third-party institutions is highlighted as a critical area for the bank moving forward [8].

Core Viewpoint - Zhongguancun Bank has been fined a total of 1.4 million yuan for various regulatory violations, including improper deposit absorption practices and inadequate management of internet personal loans [1][2][3] Regulatory Violations - The bank was penalized for paying third-party companies to absorb deposits, which is a rare violation in the banking sector [1][2] - Previous violations include issues with internet loan management and compliance with regulatory standards, leading to fines of 1.3 million yuan in September 2023 and 500,000 yuan in August 2022 [3] Financial Performance - For the first half of 2025, Zhongguancun Bank reported revenues of 1.031 billion yuan and a net profit of 123 million yuan, reflecting year-on-year growth of 14.9% and 17.5% respectively [5] - As of the end of 2024, the bank's loan balance was 43.931 billion yuan, with self-operated loans accounting for 26.94% of the total [5] Business Model and Challenges - The bank's internet loan business heavily relies on third-party platforms for customer acquisition, which poses challenges to its own customer outreach capabilities [5] - The bank's commission expenses related to third-party collaborations reached 1.593 billion yuan by the end of 2024, marking a year-on-year increase of 28.36% [6] Shareholder Risks - The second-largest shareholder, Beijing Beishuiyuan Technology Co., Ltd., is currently a subject of enforcement actions, while the third-largest shareholder, Beijing Oriental Garden Environment Co., Ltd., is listed as a dishonest executor [6] Customer Complaints - In the past 30 days, there have been 166 complaints related to Zhongguancun Bank, with issues including high interest rates and aggressive debt collection practices [6]

Core Viewpoint - A series of financial institutions, including Hengfeng Bank, have been heavily fined for business violations, highlighting ongoing regulatory scrutiny in the financial sector [1][2][3]. Regulatory Actions - On September 12, the National Financial Supervision Administration imposed a fine of 61.5 million yuan on Hengfeng Bank for imprudent management of loans, bills, and wealth management, as well as non-compliance in regulatory data reporting [1][2]. - Since September, the total fines issued by the National Financial Supervision Administration have approached 270 million yuan, affecting various financial institutions [3]. Financial Performance - In 2024, Hengfeng Bank reported operating income of 25.775 billion yuan, a year-on-year increase of 1.98%, while total profit decreased by 9.3 billion yuan to 7.442 billion yuan [1][9]. - The bank's net profit for 2024 was 5.454 billion yuan, reflecting a year-on-year growth of 5.99%, but still a nearly 19% decline compared to 2022 [1][9]. Internal Governance and Management Changes - Hengfeng Bank has faced multiple fines in 2025, totaling over 80.45 million yuan, indicating persistent issues in internal governance and compliance culture [1][6][10]. - The bank's new management, including the youngest president among joint-stock banks, faces significant pressure to address these challenges and improve risk management [7][10]. Asset Quality and Capital Adequacy - As of the end of 2024, Hengfeng Bank's total assets reached 1.54 trillion yuan, with a loan and advance total of 861.134 billion yuan, both showing growth [9]. - The bank's non-performing loan balance was 12.873 billion yuan, with a non-performing loan ratio of 1.49%, marking a continuous decline over six years [9].

Core Viewpoint - Hengfeng Bank's Chongqing branch has been fined 2.6 million yuan for concealing non-performing loans and other violations, marking a total of over 17 million yuan in penalties this year alone, highlighting ongoing governance challenges as the bank undergoes leadership changes [2][5][6]. Regulatory Penalties - The Chongqing branch was penalized for three main violations: concealing non-performing loans, inadequate investment management, and failure to conduct thorough loan checks, resulting in a total fine of 2.6 million yuan [2][4]. - This is not the first penalty for the Chongqing branch; it faced a fine of 1.8 million yuan in August 2023 for issues related to credit management and loan checks from 2013-2014 [4][6]. Historical Context - The violations primarily stem from practices before the bank's market-oriented reforms initiated around 2019, indicating a legacy of poor management practices that have led to accumulated issues [3][4]. - Hengfeng Bank has been under scrutiny for multiple infractions this year, with a total of 17.56 million yuan in fines across various branches, reflecting systemic compliance challenges [6][8]. Leadership Changes - The bank recently appointed a new president, Bai Yushi, after a nearly three-year vacancy following the departure of the previous president, Wang Xifeng, in August 2022 [8].

Core Viewpoint - Zijin Bank is undergoing significant leadership changes and institutional reforms to address compliance issues and improve its performance amid regulatory pressures and declining profits [1][6][9]. Leadership Changes - Zijin Bank appointed Que Zhenghe as the new president and chief compliance officer, and Xu Guoyu as the vice president and board secretary, pending regulatory approval [1][3]. - The current chairman, Shao Hui, has been re-elected for another term, having led the bank for a year [5][6]. Compliance Issues - The bank faced a fine of 2.4 million yuan for seven violations, including breaches of financial statistics and account management regulations [1][7]. - The addition of a chief compliance officer is a direct response to these compliance challenges [1][6]. Financial Performance - In 2024, Zijin Bank's net profit growth was only 0.3%, the lowest since its listing, with three consecutive quarters of negative revenue growth starting from Q3 2024 [1][9]. - For Q1 2025, the bank reported a revenue of 1.141 billion yuan, a decrease of 4.82% year-on-year, while net profit was 422 million yuan, up 4.04% [9]. - Total assets reached 280.25 billion yuan, with a loan total of 191.17 billion yuan and a deposit total of 221.10 billion yuan as of March 2025 [9]. Strategic Challenges - The new management team faces the dual challenge of balancing regulatory compliance with the need for revenue growth [1][9]. - The frequent turnover in leadership and ongoing compliance issues present significant hurdles for the bank's future performance [9].

8月15日，一则行政处罚公告引起了市场的广泛关注。金华银行因违反账户管理、商户管理、反假货币业务管理规定，占压财政资金，违规采集提供信用信 息，未履行客户身份识别义务及报送大额/可疑交易报告，与身份不明客户交易等八项违规行为，被处以717.5万元的罚款，并受到警告。同时，11名当时的 中高层管理人员也因责任被追究，共被罚款29万元。这是金华银行自成立以来收到的最大一笔罚款，也是涉及追责人数最多的监管案例，这揭示了该行在内 部控制和业务合规方面存在的严重问题。 根据处罚信息，金华银行违反账户管理规定、商户管理规定，反映出对开户审核、特约商户资质筛查等环节的疏漏；占压财政存款或资金，暴露资金调拨流 程存在缺陷；违反信用信息采集、提供、查询规定，可能损害客户权益。 此外，该行未履行客户身份识别义务、未报送大额/可疑交易报告、与身份不明客户交易，三类反洗钱领域问题叠加，直接指向其风控体系形同虚设，为非 法资金流动提供潜在通道。 此次处罚中，法律合规部、信息科技部等中后台部门负责人被集体追责。时任法律合规部总经理徐某华、副总经理宋某铨因同时涉及客户识别与可疑交易报 告疏漏被罚4万元；信息科技部蒋某苗、吕某煌因系统监测功 ...

Core Viewpoint - Zhuhai China Resources Bank has been penalized for multiple violations of regulations, including anti-money laundering, resulting in a fine of 3.3475 million yuan and warnings for four senior executives [1][2][8]. Regulatory Violations - The bank has faced five administrative penalties since the beginning of 2024, accumulating fines exceeding 10 million yuan over the past year and a half [1][7][8]. - Specific violations include breaches of payment settlement, monetary and gold business, treasury business, credit reporting, and anti-money laundering regulations [2][3]. Penalties and Responsible Parties - The penalties include a fine of 3.3475 million yuan imposed by the People's Bank of China, with four executives receiving individual fines: - 135,000 yuan for the former personal credit department general manager [2] - 11,000 yuan for the former deputy general manager of the intelligent technology department [2] - 76,000 yuan for the former general manager of the risk management department [2] - 50,000 yuan for the former general manager of the legal compliance department [2]. Financial Performance - Despite a rise in revenue from 6.523 billion yuan in 2022 to 7.132 billion yuan in 2024, net profit has significantly declined from 2.003 billion yuan to 449 million yuan during the same period [13][14]. - The bank's total assets increased from 317.918 billion yuan in 2022 to 434.04 billion yuan in 2024, while total loans rose from 174.904 billion yuan to 241.104 billion yuan [15]. Asset Quality and Management Challenges - The bank faces increasing pressure on asset quality management, with a non-performing loan rate of 1.65% as of the end of 2024, primarily concentrated in the wholesale retail and real estate sectors [16]. - Credit impairment losses reached 4.292 billion yuan in 2024, a 44.64% increase year-on-year, indicating significant challenges in maintaining profitability [16]. Leadership and Management Issues - The position of the bank's president has been vacant for seven months, with ongoing recruitment efforts for a new leader [17][19]. - The bank's management is under pressure due to narrowing interest margins, high provisioning requirements, and declining profit levels [18].

Core Viewpoint - The article highlights a case where a regional bank unlawfully deducted a guarantor's deposit without judicial procedures, raising concerns about banking practices and customer rights [2][5]. Group 1: Case Background - The incident began when a customer, Kang, guaranteed a loan of 200,000 yuan for another individual, Ding, in 2013. Due to Ding's failure to repay, the bank pursued legal action but could not fully recover the debt [3]. - In February 2024, Kang deposited 350,000 yuan in a time deposit with the same bank, which was deducted without notification a month later [3][4]. Group 2: Legal Proceedings - Kang discovered the unauthorized deduction in August 2024 and subsequently filed a lawsuit against the bank. The court ruled that the bank must return 92,369.49 yuan and compensate for interest losses, totaling 99,999.49 yuan [4][6]. Group 3: Legal Implications - Legal experts emphasized that the bank's actions violated the contractual obligations to safeguard customer deposits. The court found that the bank should have sought legal recourse to recover debts rather than directly deducting from Kang's account [6][7]. - The case serves as a warning that banks must adhere to legal protocols and cannot arbitrarily freeze or deduct customer funds without proper judicial procedures [6][8]. Group 4: Regulatory Context - The article notes that unauthorized deductions challenge the fundamental principle of banks ensuring the safety of customer funds. Regulatory frameworks, such as the Savings Regulations, impose strict penalties for such violations [8]. - Recent administrative penalties against banks for illegal inquiries and deductions highlight the rarity of such cases and the importance of compliance with legal standards [8].