尽管村镇银行为广袤的农村地区提供金融服务具有一定优势，但风控能力上的不足仍是其发展的薄弱环 节。 近日，辽宁省辽阳市中级人民法院公布了一则刑事裁定书，涉及付某通过69家空壳公司和虚假材料向辽 宁太子河村镇银行骗取贷款109笔，造成该村镇银行损失近9000万元。 记者通过公开信息了解到，辽宁太子河村镇银行成立于2011年4月28日，注册资本1亿元。监管于2022年 8月3日对该村镇银行的破产申请事项予以了批准，而付某则于2024年8月被刑事拘留。 109笔贷款逾7亿 法院在二审中认定，2016年至2019年间，付某为开发辽宁省灯塔市佟二堡镇东方米兰房地产项目，向原 辽宁太子河村镇银行申请贷款。其间，付某找到刘某让其介绍"借名人"注册企业后向村镇银行申请贷款 给付某使用，每笔贷款申请成功即可获得5万元好处费。刘某按照付某的安排，直接或间接地找到了周 某某、刘某某等"借名人"。 随后，付某的司机黄某在付某的指示下，带领"借名人"到工商所注册成了69家企业（企业既没有真实经 营场所，也没有开展真实的经营活动）之后，领着"借名人"办理了企业单位名章、财务章和法定代表人 的名章，并对这些企业营业执照和公章进行保管。 20 ...

招联首席研究员、上海金融与发展实验室副主任董希淼表示，电商平台往往会配合大的促销节点推出分期免息、支付减免等活动吸引消费者，这成为电商 平台运营促销活动、拉动消费增长的重要工具。消费贷款、消费分期等消费信贷产品往往金额较小，其使用场景、便捷程度和良好体验，是消费者选择的 重要考量。 绑卡满减、分期免息、消费返现 "双11"银行优惠密集上线 赶在"双11"来临前，多家商业银行通过联合电商平台推出绑卡满减、分期免息、消费返现等多重优惠。 今年"双11"期间，中国银行联合支付宝推出消费立减活动。本活动仅限中国银行储蓄卡支付宝绑卡用户，用户报名活动后，通过支付宝选择中国银行储蓄 卡支付，有机会在线上消费或者线下到店消费时享受天天减优惠。 预热期（2025年10月20日-10月30日）连续5日(含报名当日）内，单笔订单满50元可享随机立减0.2元至11.11元；大促期（2025年10月31日-11月11日）连续 7日（含报名当日）内，单笔订单满100元可享随机立减0.5元至11.11元。 招商银行推出"砸金蛋天天返现"活动，2025年10月10日-11月15日，参与者至高抽1111元消费返现券。首绑京东支付至高128元 ...

Core Viewpoint - Suzhou Bank has demonstrated effective risk management by maintaining a low non-performing loan ratio and a stable write-off budget, signaling a successful transformation in risk control for city commercial banks [1][2][3] Group 1: Key Performance Indicators - As of June 2025, Suzhou Bank's non-performing loan ratio stands at 0.83%, with a provision coverage ratio of 437.91%, placing it among the top tier of listed banks [2] - The bank's overdue loan ratio decreased by 0.05 percentage points compared to the end of the previous year, indicating improved risk classification accuracy [2] - The proportion of attention-class loans, a precursor to non-performing loans, decreased by 0.13% year-on-year, reducing future asset quality deterioration pressure [2] Group 2: Risk Management Mechanisms - Suzhou Bank employs a "full-process control system" that integrates prevention and resolution, ensuring a closed-loop risk management approach [4] - The bank enhances its risk prevention through standardized approvals and regular reviews of problematic cases, minimizing human error and improving efficiency [4][5] - The collaboration between the business front, risk middle, and audit back ensures comprehensive risk management across all operations [5] Group 3: Efficiency and Responsiveness - The bank emphasizes both stringent controls and rapid responses, achieving a balance through regulatory collaboration, process optimization, and technological enhancements [6][7] - Suzhou Bank actively addresses risks by promptly identifying and managing potential issues, thereby preventing the escalation of asset deterioration [7] Group 4: Research and Technological Empowerment - The bank's risk management relies on a "smart brain" approach, combining research-driven risk prediction with technology to enhance efficiency [8][9] - The implementation of a new comprehensive credit system integrates various loan types, improving risk identification and processing speed [8] - The use of knowledge graph technology enhances risk monitoring and the identification of hidden correlations among risks [9] Group 5: Overall Implications - Suzhou Bank's robust risk management framework not only supports its own stable growth but also serves as a practical model for risk control transformation in the city commercial banking sector [9]

Core Viewpoint - Postal Savings Bank of China (PSBC) is facing regulatory scrutiny due to violations related to loan management and compliance, highlighting weaknesses in its risk control mechanisms [1][2]. Regulatory Violations - PSBC's Jinhua branch was fined 1.9 million yuan for three violations: inadequate loan "three checks" (pre-loan investigation, during-loan review, post-loan inspection), misappropriation of loan funds, and providing off-contract benefits to policyholders [1][2]. - The Huzhou branch was fined 400,000 yuan for similar issues, indicating systemic compliance failures within the bank [1][2]. Impact on Risk Management - The violations point to significant lapses in the bank's core risk management processes, which could lead to potential financial risks such as credit fund misallocation and speculative activities [1]. - The regulatory actions reflect an increasing trend of dual penalties for institutions and individuals, as three responsible persons received warnings alongside the fines [2]. Recent Penalties - This marks the second instance within two months where PSBC has received a fine exceeding one million yuan, with a previous penalty of 1.87 million yuan imposed on its Hainan branch for similar infractions [2]. - In total, PSBC has faced fines amounting to 6.3277 million yuan in the current year [2]. Business Model Challenges - Amidst a backdrop of narrowing net interest margins and slowing expansion, PSBC is transitioning towards a "light capital, light asset" model, which poses challenges given its focus on county-level markets and reliance on interest rate spreads for profitability [3].

Core Viewpoint - The leadership transition between Chengdu Bank and Chengdu Rural Commercial Bank involves Wang Hui resigning from Chengdu Bank and taking on the role of Party Secretary and Chairman at Chengdu Rural Commercial Bank, while Huang Jianjun will assume the leadership at Chengdu Bank [1][2] Group 1: Leadership Changes - Wang Hui has submitted his resignation from Chengdu Bank, effective immediately, after nearly 20 years with the institution [1] - Huang Jianjun has been appointed as the Party Secretary of Chengdu Bank and is nominated to be its Chairman [1] - The leadership swap indicates a strategic move between the two banks, with both leaders having significant experience within their respective institutions [1][2] Group 2: Performance Metrics - Under Wang Hui's leadership, Chengdu Bank achieved significant growth, with total assets reaching 1.25 trillion yuan, deposits at 880 billion yuan, and loans at 740 billion yuan by the end of 2024, representing increases of 180%, 180%, and 400% respectively since its IPO [1] - Chengdu Bank's return on equity stood at 17.81% during Wang Hui's tenure [1] - Chengdu Rural Commercial Bank's assets grew from 520 billion yuan at the end of 2020 to approximately 914.26 billion yuan by the end of 2024, indicating rapid expansion [2] Group 3: Risk Management and Financial Health - Wang Hui implemented a risk management culture focused on "moderate risk" and "early warning," successfully reducing the non-performing loan ratio at Chengdu Bank to 0.66% [2] - Chengdu Rural Commercial Bank reported a revenue of 18.35 billion yuan in 2024, with a year-on-year growth of 5.86%, and a net profit of 6.471 billion yuan, reflecting an 11.46% increase [2] - The non-performing loan ratio for Chengdu Rural Commercial Bank decreased to 1.02% by the end of 2024 [2]

Core Viewpoint - The article discusses how banks' risk control departments can identify "packaged" companies that falsify operational data to obtain loans, highlighting the legal risks involved and the necessary steps for thorough credit examination and investigation [1][2][3][4]. Group 1: Identification of "Packaged" Companies - "Packaged" companies are those that fabricate operational data, addresses, and employee information to apply for loans [1]. - There are two main scenarios for "packaging": one where the client manager is unaware of the falsification, and another where there is collusion between the bank's client manager and the company [1]. Group 2: Steps for Risk Control Departments - Customer source examination is crucial; risk control personnel should not rely solely on informal introductions and must investigate the relationship between the company and the introducer [1]. - Verification of the company's operational authenticity involves assessing the industry experience of the actual controller, confirming the legitimacy of the business premises, and conducting surprise visits to gather real insights [2][3]. - Income verification should include cross-checking financial statements, bank transactions, and tax filings, while also identifying and blacklisting related companies involved in "packaging" [3]. - Employee scale verification is necessary to ensure that reported profits align with the actual number of employees, requiring checks on payroll records and social security contributions [3]. - Logical validation involves analyzing inconsistencies in statements from clients or managers and hypothesizing the existence of "packaging" to seek supporting evidence [4].