Core Points - Fujian Putian Rural Commercial Bank Co., Ltd. was fined 1.4 million yuan due to major violations including inadequate pre-loan investigations for working capital and personal business loans, insufficient post-loan management, poor management of personal credit business, and inadequate employee behavior management [1] Summary by Category - **Regulatory Actions** - The bank was penalized with a fine of 1.4 million yuan for various regulatory violations [1] - Several responsible individuals within the bank received warnings as part of the regulatory action [1] - **Operational Issues** - The bank exhibited deficiencies in pre-loan investigation processes for both working capital and personal business loans [1] - There were significant shortcomings in post-loan management practices [1] - Management of personal credit business was found to be lacking [1] - Employee behavior management was also identified as an area of concern [1]