解析 2025年12月22日，中国人民银行发布一次性信用修复政策。那么如何确认自己 在建行的信贷业务能不能享受该政策呢？请记住" 一查二看三还四关注 "！ 一、查信用记录 如果您想了解自己在建行的信贷业务是否有逾期记录，能否享受央行政策，您需要先 查 询 您在建行信贷业务的 信用情况 哦！如果查询结果中 没有逾期 信息，就 不用担心 ！如 果 有逾期 记录，建议您 尽早还款 ，以便尽早享受政策。 您可通过以下方法实时查询您建行信贷业务产生的详细信用记录： 01 "中国建设银行"APP查询 03 网点智慧柜员机查询 点击图片可放大查看 02 "中国建设银行"网上银行查询 点击图片可放大查看 点击图片可放大查看 查得的结果会以" 账户标识 "为一个 信贷账户粒度 ，以 60个月份 的"小格子" 展示 您过去 5年的还款信息 。每个小格子包含"还款状态"和"逾期金额"两项内容，当小 格子中" 还款状态 "数据项展示为 1-7/B之间的（准贷记卡为3-7/B）任一数值 ，对 应 " 逾期金额 "数据项展示为 非0时 ，则这个小格子即为央行政策描述的 " 单笔逾 期信息 " 。 | | 1 | | 3 | 4 | 5 ...

来源：WEMONEY研究室 在2025年6000多张罚单中，农商行被开罚单最多，达到738张，其中，深圳农村商业银行领 农商行最大罚单；城商行被开罚单为276张， 上海银行 领最大罚单。值得一提的是，反洗钱 业务违规成大额罚单的首要案由。 据企业预警通数据显示，2025年1月1日至12月31日（披露日期），国家金融监督管理总局、中国人民银 行、国家外汇管理局及各地派出机构，对1097家银行金融机构（包括信用社、村镇银行、民营银行和外 资银行等）开出6521张罚单，较上年增加155张，罚没总金额26.41亿元，较上年增加9.02亿元，监管趋 严态势持续。 其中，农商行被开罚单数量最多，达到738张（较上年增77张），罚没金额约5.77亿元；城商行被开罚 单276张（较上年少54张），罚没金额约2.98亿元。二者罚单合计1014张，占罚单总数的15.55%，合计 被罚金额8.75亿元。 从处罚原因来看，信贷业务违规（罚单1209张），内控制度不健全（罚单752张）和反洗钱业务违规 （罚单697张）是城商行、农商行被罚的前三大理由，另外，还包括支付结算业务违规、数据报送与治 理违规和员工行为管理不到位等。 在80家 ...

值得一提的是，公司通过使用多模态大模型，提升了意图识别和风险判定的精度，能精准捕捉"还款困难"等语义特征。另外智能预警模型使早期风险识别效 率提升10%，为信贷业务安全、稳定开展提供了坚实保障。 今年，海尔消金"特征英雄"活动共吸引32名员工踊跃参与，从海量数据里挖掘出了2023个高质量特征！这可不是小数目——相当于给风控系统，添了2023 个"新武器"、"新视角"和"新战场"。 （2025年度特征英雄大赛颁奖仪式，图片来源：海尔消费金融） 本届"特征英雄"大赛一等奖获得者来自风险管理中心，其聚焦创新信息维度，一方面通过采用大模型来替代人工对语音数据做批量处理，提取有效信息用于 信贷模型研发，助力信贷风控策略有效施行，进一步降低信用风险；另一方面充分挖掘信贷场景中时序特征的潜在价值，突破传统"静态快照"局限，利用 RNN、Transformer等序列模型解析用户信息时序数据，精准识别"以贷养贷"行为，阻断风险传导。 近日，海尔消费金融有限公司（以下简称"海尔消金"）2025年"特征英雄"活动圆满收官。据海尔消金风控管理中心相关负责人介绍，"特征英雄"活动旨在激 发公司全员坚持数据科学驱动的价值理念，深度挖掘金 ...

一个明显的趋势是：2025年，银行收到的大罚单变多了，折射出银行业在高质量发展转型期面临的合规 短板与风险痛点。 据企业预警通统计，2025年，央行、金融监管局、外管局等共针对银行机构及从业人员开出454张百万 元以上的大额罚单，较上年增加58张，其中大额罚单罚没金额较上年上升幅度较大，增幅接近100%。 这一趋势，需要银行业机构予以重视。 值得关注的是，从2025年银行违规领域看，主要集中在信贷业务、反洗钱业务、内控制度等。相较上 年，反洗钱业务违规罚单数量增量最为突出，达894张，增幅达185.09%。 为了帮助各位从业者从中找到更多启示，轻金融根据企业预警通数据，对罚没金额500万元以上的罚单 进行分类解读，以期供行业参考，为2026年及未来发展规避风险。 需要说明的是，这些罚单与数据不是"负面清单"，而是"改进指南"，唯有提升合规能力、正视问题、精 准补短板，才能在监管常态化的背景下实现稳健发展。 首先，来看2025年披露的罚没金额超过2000万元的罚单，共12个。 这一金额区间的罚单，最常见的是传统业务（贷款、票据）的合规管理漏洞及监管数据报送问题，反映 出在基础业务风控和监管配合上的不足；其他高频 ...

双方合作范围亦涵盖现金管理、代发工资、缴费场景服务、个人金融服务及下游客户集群服务等多个领 域，旨在通过中国农业银行天津西青支行创新服务模式及全面的金融产品与服务，为集团快速发展提供 有效金融途径。 随着集团融资优化方案的稳健实施，财务费用压降已经于2025年上半年获得显着成效。董事会认为，战 略合作协议的签署将持续深化集团与金融机构的良好合作关系，有利于集团进一步优化融资结构、降低 融资成本、提升资金使用效率，从而巩固集团在区域经济发展中的市场地位，提升综合竞争力。 滨海投资(02886)发布公告，公司全资附属公司滨海投资(天津)有限公司已经与中国农业银行股份有限公 司天津西青支行订立战略合作协议，以建立全面战略合作关系，共同推动天津市产业发展与城市优化。 根据战略合作协议，中国农业银行天津西青支行同意在未来五年内为集团提供等值人民币十亿元的意向 性授信额度，在合规前提下，以优惠的存贷款利率和收费标准支持集团的生产经营及投资等各类信贷业 务需求。 ...

Core Viewpoint - Nantong Rural Commercial Bank is focusing on enhancing its audit supervision quality and efficiency as part of its "Credit Business Improvement Year" goal, integrating audit supervision throughout the entire credit business process to support high-quality development [1][3]. Group 1: Risk Management - The bank is conducting a comprehensive audit of collateral management, aligning with regulatory requirements to identify and manage risks throughout the entire process from entry to monitoring and disposal [1]. - A thorough audit approach is being implemented across branches, focusing on compliance, risk control, and internal management, utilizing audit models and credit file reviews to uncover operational status and potential risks [1]. - Internal audit feedback is promptly provided to business departments to encourage self-inspection and correction, maximizing the value of audits [1]. Group 2: Audit Efficiency - The bank adopts a research-oriented audit approach, analyzing root causes of issues and proposing targeted recommendations to convert audit results into effective governance [2]. - A systematic review of 11 risk scenarios related to mobile business platforms has been conducted, resulting in a comprehensive guide that includes risk manifestations, impact assessments, and prevention suggestions [2]. - The bank employs a three-path approach ("upward reporting, parallel suggestions, downward communication") to ensure the effective application of audit results, thereby enhancing management efficiency [2]. Group 3: Continuous Improvement - The bank emphasizes a combination of immediate corrections and long-term systemic improvements, focusing on both problem rectification and enhancing institutional mechanisms [3]. - A robust rectification responsibility mechanism has been established, designating the main responsible person for each audited unit, and implementing a problem list, rectification ledger, and closure system to ensure issues are addressed [2]. - The bank aims to deepen the application of audit results to improve overall audit supervision effectiveness, contributing to stable business development and establishing a solid defense for sustainable growth [3].

Core Points - The China Export-Import Bank and China Galaxy Securities held a forum focused on promoting high-quality development of the Belt and Road Initiative [1][2] - Multiple cooperation agreements were signed during the forum to enhance collaboration and support for the Belt and Road Initiative [1] Group 1: Cooperation Agreements - A cooperation agreement was signed with the Uzbekistan National Bank for Foreign Economic Activity to establish a more robust interbank cooperation channel [1] - A financing conditions agreement was signed with the Kazakhstan Development Bank for a loan of 2 billion RMB, marking the first cooperation in RMB liquidity loans, which is significant for promoting RMB internationalization [1] - A memorandum of cooperation was signed with the Bosnia and Herzegovina Republika Srpska Highway Company for the construction of the Posavina Highway project, aimed at improving transportation efficiency and connectivity in Central and Eastern Europe [1] - A strategic cooperation agreement was signed with Beijing Urban Construction Group to enhance collaboration in credit business, consulting services, trade financing, and fund operations [1] Group 2: Future Plans - The China Export-Import Bank plans to actively participate in the implementation of the national 14th Five-Year Plan, focusing on high-level opening up and promoting trade innovation and bilateral investment cooperation [2]

Core Insights - Financial regulatory scrutiny remains high, with a significant increase in penalties issued to financial institutions in Q3 2025, totaling 2,133 fines amounting to 1.024 billion yuan, marking a quarter-on-quarter increase of 36.12% and 190.91% respectively [1][2] - The banking sector, particularly joint-stock banks, has seen a notable rise in penalties, with 1,448 fines issued in Q3 alone, reflecting an 18.3% year-on-year increase and a staggering 84.63% increase in penalty amounts [1][2][3] - Violations in credit business continue to be a major concern, with issues such as inadequate due diligence, improper fund management, and new patterns of fund misappropriation emerging [1][4][5] Regulatory Trends - The total number of penalties across various bank types reached 997 in the first three quarters, with a total fine amount of 981 million yuan, indicating a fluctuating but overall increasing trend in regulatory actions [2] - Q3 2025 marked a peak in penalties, with 5.38 billion yuan in fines, driven by several high-value penalties primarily affecting joint-stock banks [2][3] - The shift in focus towards joint-stock banks reflects a deeper regulatory concern regarding their growing influence and associated risks [3] Compliance and Risk Management - Experts emphasize the need for banks to enhance internal control mechanisms and compliance culture to address the rising trend of violations, particularly in credit management [1][9][10] - The increase in penalties related to internet banking operations indicates a growing need for banks to refine their compliance frameworks in line with innovative business practices [7][8] - Recommendations for banks include strengthening risk management systems, fostering a culture of compliance, and adapting to more detailed regulatory requirements to mitigate risks and ensure sustainable growth [9][10]

Group 1: Core Trends in Credit and Banking - The digitalization and AI integration of traditional banks is an inevitable trend, as credit remains the cornerstone of the modern financial system, efficiently converting societal savings into investments and consumption [1] - The rise of large tech companies like Ant Group and WeBank, along with fintech innovators like Upstart, is challenging the traditional banking dominance by leveraging data and technology advantages in the credit sector [1] Group 2: Information Asymmetry in Credit - The core obstacle in credit is information asymmetry, where borrowers typically have a better understanding of their financial situation than lenders, leading to risks such as adverse selection and moral hazard [2] - To mitigate these risks, lenders must invest significant time and resources in gathering and verifying borrower information, which creates transaction costs [2] Group 3: Failures of P2P Lending - The P2P lending boom around 2015, which aimed to innovate finance by connecting borrowers and lenders directly, ultimately failed due to its inability to address the core issue of information asymmetry [3] - P2P platforms relied on self-reported borrower information and lacked ongoing monitoring, leading to a concentration of risk when financial strains occurred [3] Group 4: The Role of Big Data and AI - The emergence of big data and AI is reshaping the information processing capabilities in credit, breaking the monopoly of traditional banks [4] - Big data allows for more efficient information collection, reducing reliance on offline channels and enabling the continuous updating of data [4][5] - AI enhances information analysis by identifying complex patterns and relationships in vast datasets, improving risk identification and credit assessment [6] Group 5: Regulatory Challenges - Banks face strict regulatory requirements due to their role in systemic risk, necessitating the use of explainable and traceable technologies in credit operations [7] - In contrast, tech companies enjoy more lenient regulatory environments, allowing them to experiment with AI-driven models in real-world scenarios [8] Group 6: Future of Credit Competition - The future of credit competition will focus on who can achieve more efficient information processing at lower costs, leveraging comprehensive data and advanced AI capabilities [9] - Tech companies are expected to gain a larger market share in credit due to their robust platform ecosystems and superior algorithmic capabilities, while traditional banks will also need to embrace digitalization and AI [9]

Group 1 - The core viewpoint of the article is the implementation of credit integrity management measures in Heze City to enhance the financial credit environment and address challenges in credit issuance [1][2] - In June 2025, Heze City government issued the "Heze City Enterprise Credit Integrity Management Measures (Trial)" and "Heze City Banking Institutions Credit Integrity Management Measures (Trial)" to improve credit integrity awareness [1] - A special working group was established in July-August 2025 by the Heze City Financial Bureau and other institutions to evaluate the credit integrity behaviors of banks and enterprises [1] Group 2 - The evaluation results indicated that the Shanghai Pudong Development Bank Heze Branch ranked first among joint-stock banks and city commercial banks, with no negative evaluations from the 24 participating enterprises [2] - This achievement reflects the bank's commitment to integrity in credit operations and serves as a positive example for the healthy development of the financial credit environment in Heze City [2]