Core Viewpoint - Huari Bank has faced significant regulatory penalties in 2025 due to multiple violations related to deposit collection and loan management, highlighting systemic compliance issues within the institution [1][2][3] Regulatory Penalties - On February 18, 2025, Huari Bank was fined a total of 6.8012 million yuan for 12 violations, including improper deposit collection and severe loan management issues [2] - By October 15, 2025, Huari Bank had accumulated fines nearing 7.8 million yuan for various compliance failures [1] - The bank received a subsequent fine of 296,400 yuan from the People's Bank of China for violations related to credit information management [2] Compliance Issues - Huari Bank has been reported to engage in "cross-regional deposit collection," allowing clients outside Shanghai to open accounts despite restrictions [2][3] - The bank's practices have raised concerns about compliance risks and potential liquidity issues due to improper deposit collection methods [2][3] - Multiple instances of non-compliance have been documented, including unauthorized executive roles, inadequate provisions for bad debts, and improper loan fees [3]