2026年开年不足十天，已有多家银行收到罚单。 据金融监管总局披露，处罚情形涵盖票据业务审核不严、个人贷款管理不到位、贷款管理不审慎等多个领域。 此外，"双罚制"在监管行为中得到更深层次落实，在公开罚单中，大多都同步公示对相关责任人的处罚，更有从业人员直接受到禁业的处罚。 回顾2025年，银行业持续强监管、严监管，大额罚单频现，处罚呈现"量价齐升"态势。全年金融监管部门对银行机构开出6565张罚单，超1000家银行受 罚，百万元以上大额罚单较上年增加59张，罚没金额大幅攀升。 对此，浙江大学城市学院副教授、中国城市专家智库委员会常务副秘书长林先平向时代周报记者表示，这一趋势折射出监管逻辑的深层转变：从"广覆 盖"转向"精准重罚"，聚焦系统性风险点，通过大额罚单形成强力震慑，压实银行主体责任。 2026年开年多家银行收罚单 2026年1月8日，安顺金融监管分局发布罚单，剑指贵阳银行镇宁支行、关岭支行及其相关责任人。 在上述披露中，罚单金额超百万元的上市银行包括农业银行台州分行、浦发银行苏州分行、交通银行陕西省分行、光大银行泉州分行、建设银行茂名市分 行。其中，根据陕西金融监管局行政处罚信息公示表，交通银行陕西省 ...

转自：扬子晚报 今年4月12日，36岁的某国有大行银行理财经理王某姗被发现在商丘家中自缢身亡。 王某姗微信里的工作照 随后，其服务过的多个储户发现，自己积聚的财富已从银行卡里消失。银行流水显示，自2017年始，王 某姗就暗中操纵储户的账户进行转款和购买理财产品。 然而，银行流水打印出来后，丽丽懵了：78万存款只剩下4519元零4分。4页57条账户交易明细显示， 2019年3月11日存进去的80万，在次月的4月16日就变成了"理财"。经过多次反复购买赎回后，当年6月 11日上午，这80万竟通过个人网银被转至陌生人"李某菊"的账户上。 对这些账户变动，丽丽称"完全不知情"。42岁的她出身农村，文化程度不高。丽丽说，她2021年才学会 用手机银行。2022年，她曾多次向王某姗提出要开通手机银行短信业务功能，王某姗"推拖了很久"才帮 其办理。 让人没想到的是，4个月后的8月11日，已被立案调查的王某姗丈夫孟某也在家中烧炭自杀，留下两个年 纪尚幼的女儿。王某姗银行的同事说，王某姗和丈夫接连自杀后，其在王某姗家里见到过他们的两个女 儿，"她们年龄都还小，还没意识到发生了什么。" 据悉，相比妻子王某姗，37岁的孟某则"处于 ...

智通财经APP获悉，据知情人士透露，美联储已告知花旗银行(C.US)，其已终止了此前要求该行整改交 易风险管理缺陷的正式通知。这是解决长期困扰这家美国第三大银行的监管与控制缺陷问题的重要一 步。 据此前报道，美联储于2023年底向花旗发出通知，要求其解决三项"需立即关注事项"(MRIA)。这些事 项涉及该行计算和管理交易对手风险的方式，以及为这些交易可能产生的损失预留资本金的问题。据消 息人士称，这些通知现已被终止。 据报道，其中一项MRIA要求花旗改进其在为交易对手信用风险预留资本金方面的数据管理和治理。银 行衡量其衍生品业务的风险性，以帮助确定需要预留多少资本来抵御潜在损失。 消息人士称，其他MRIA涉及花旗在数据不可用时如何使用代理指标来计算交易对手信用风险。另一项 则涉及治理缺陷，具体而言是银行内各法律实体中责任归属不清的问题。 美国总统唐纳德·特朗普提名的美联储监管事务负责人米歇尔·鲍曼正在改革银行监管，包括解决 MRIA。在一份10月份的备忘录中，一位美联储高级监管负责人指示审查人员，一旦银行内部审计部门 确认问题已得到解决，并且美联储认定审计部门的总体工作令人满意，就应立即终止相关MRIA。 除 ...

美联储发布监管报告，称仍然关注银行与商业房地产贷款。 ...

Core Viewpoint - Federal Reserve Governor Stephen Milan emphasizes the need to reassess regulatory frameworks for Wall Street before addressing other economic issues related to the central bank's balance sheet [1] Group 1: Regulatory Environment - Milan notes that financial regulation has increasingly tightened over the years, leading to a disconnect between traditional banking operations and regulatory oversight [1] - He argues that the interaction between regulation, financial markets, and the implementation of monetary policy is often underestimated [1] - Milan warns against overreacting in regulatory responses, suggesting that rules established post-2008 financial crisis may have gone too far, resulting in traditional banking activities moving out of the regulatory scope due to "burdensome rules" [1] Group 2: Market Dynamics - The discussion surrounding bank reserves, their interest, balance sheet composition, and the role of intermediaries in the Treasury market is seen as downstream issues of the banking regulatory framework [1] - Milan expresses that credit allocation should be driven by market forces rather than regulatory arbitrage, indicating a preference for a market-oriented approach over regulatory constraints [1]

Core Viewpoint - The recent release of Epstein files has implicated executives from various industries, including finance, raising concerns about potential fallout for companies like Goldman Sachs due to their general counsel's correspondence with Epstein [1][2]. Regulatory Environment - Fed Governor Michael Bar expressed concerns that the rollback of bank supervision could weaken the Federal Reserve's supervisory role, potentially leading to risks in the banking system [3]. - A memo from Mary Aken, director of supervision, outlined a new regulatory framework focused on significant risk issues rather than excessive documentation processes that do not impact safety and soundness [4]. - The current regulatory changes are seen as beneficial for the economy and bank lending, as they aim to streamline processes and focus on essential risk management [5][6].

Core Viewpoint - The Federal Reserve Governor Stephen Miran emphasizes the need to reassess regulatory frameworks for Wall Street before addressing other economic issues related to the central bank's balance sheet [1] Group 1: Regulatory Environment - Financial regulation has predominantly moved in one direction, increasingly tightening restrictions on the banking sector [1] - The interaction between regulation, financial markets, and the execution of monetary policy is often undervalued [1] - Discussions surrounding bank reserve balances, their interest, balance sheet composition, and the role of intermediaries in the Treasury market are seen as downstream issues of the banking regulatory framework [1] Group 2: Historical Context and Changes - Some officials during the Trump administration considered relaxing several capital regulatory measures established after the 2008 financial crisis, including the enhanced supplementary leverage ratio [1] - The Federal Reserve has recently finalized modifications to the regulatory rating framework for large banks, easing requirements for certain lending institutions [1] Group 3: Recommendations and Transparency - Regulatory bodies should avoid overreacting and recognize that post-2008 crisis rules have been overly stringent, leading to a migration of traditional banking activities to less regulated areas due to cumbersome regulations [1] - Miran advocates for the Federal Reserve to enhance transparency, which would benefit both the public and the industry [2]

Core Viewpoint - The article discusses the collapse of Credit Suisse, highlighting systemic issues within the banking industry, including greed, corruption, and inadequate risk management, which ultimately led to its downfall [9][11][24]. Group 1: Financial Scandals and Risks - In October 2025, Zion Bank and Western Alliance Bank disclosed fraud cases involving over $160 million due to credit risk management failures, resulting in significant stock price drops and a loss of over $100 billion in market value for 74 major U.S. banks [10]. - The article emphasizes that individual corruption and fraud reflect systemic failures, as seen in the case of Credit Suisse, which was once considered "too big to fail" [11][12]. - Credit Suisse's internal culture of greed and corruption, including money laundering for dictators and fraudulent activities against clients, contributed to its eventual collapse [12][24]. Group 2: Historical Context and Evolution - Switzerland's banking secrecy laws, established in the 1930s, initially protected the banking industry but later facilitated unethical practices, leading to a culture of impunity [15][16]. - The bank's expansion strategy in the late 20th century, including the merger with First Boston, created internal conflicts and risk management issues that foreshadowed future crises [17][18]. - The aggressive risk-taking culture under various leaderships, particularly during the 1990s, led to significant losses and regulatory scrutiny, culminating in a series of crises [19][20]. Group 3: The Final Crisis and Collapse - The "Twitter incident" in October 2022 triggered a digital bank run, resulting in a rapid outflow of funds and a significant drop in stock prices, marking a new era of banking vulnerability [21][22]. - Credit Suisse's management was unprepared for the crisis, leading to ineffective responses and a loss of market confidence, ultimately resulting in a government-backed acquisition by UBS [23][24]. - The article concludes that the collapse of Credit Suisse was not sudden but rather the result of decades of mismanagement, scandals, and a failure to establish a sustainable business model [24][30].

Core Viewpoint - The warning from Federal Reserve Governor Michael Barr highlights that weakening regulatory frameworks could lead to significant risks accumulating within the banking system, potentially sowing the seeds for future crises [1] Regulatory Concerns - Regulatory reliance on a credible rating framework, forward-looking supervision, and a strong workforce is emphasized as essential for maintaining stability in the banking sector [1] - Reducing the coverage of examiners and weakening the rating system could hinder timely actions by regulators, making it more difficult to address unsafe and unsound banking practices [1]

Market Overview - US stock index futures are all down, with Dow futures down 0.63%, S&P futures down 0.54%, and Nasdaq futures down 0.67% [1] - Major European stock indices are also down over 1%, with the Euro Stoxx 50 down 1.49%, FTSE 100 down 1.39%, CAC 40 down 1.45%, and DAX 30 down 1.5% [1] - WTI crude oil is down 0.07% at $59.82 per barrel, while Brent crude oil is down 0.12% at $64.12 per barrel [1] - Spot gold has fallen below $4000 per ounce for the first time since November 10, dropping over 1% [1] Company News - Cloudflare is experiencing global network service issues, leading to a pre-market drop of 4% in its stock price [1] - Pinduoduo reported a net profit of 29.33 billion yuan for Q3 2025, resulting in a pre-market increase of 3.6% [1] - Baidu's total revenue for Q3 2025 is 31.2 billion yuan, with a pre-market rise of over 2.5% [1] - Honda is recalling 256,600 Accord hybrid vehicles in the US due to a software fault that may cause loss of control while driving [1] - Goldman Sachs is set to acquire the Japanese Burger King business from Affinity Equity [1] Economic Data and Events - Upcoming economic data includes the US October import price index month-on-month at 21:30, October industrial production month-on-month at 22:15, and the November NAHB housing market index at 23:00 [1] - Federal Reserve Governor Cook is expected to address bank regulation issues, while Federal Reserve officials will discuss economic outlooks [1]