In the first half of the year, 2141 tickets of the banking industry were fined 810 million yuan, and 4 illegal regulations including Agricultural Bank of China and Minsheng were more illegal.

In the first half of the year, the banking industry received 2141 regulatory tickets due to various violations of laws and regulations, and was fined 810 million yuan. Agricultural Bank of China, Minsheng, Everbright, Longjiang Bank and other illegal amounts were fined in the corresponding category.

In the first half of 2022, the supervision momentum was still strong. According to incomplete statistics, as of June 30 (the date of making an administrative penalty decision), in the first half of 2022 The CBRC system has issued more than 2,000 tickets issued by commercial banks (including individuals), with a cumulative amount of 810 million yuan.

From the perspective of the number of fines and the amount of fines, despite the impact of the epidemic and the decrease in banking financial activities, the overall issue of illegal and violations is still serious, especially the problems such as credit violations and housing loans.

A total of not exceeding 800 million credit violations in the first half of the year was the most important factor

According to the incomplete statistics of reporters from the network, as of June 30 (the date of making a decision to make administrative penalties), the China Banking Regulatory Commission, the Banking Insurance Regulatory Bureau, in the first half of this year The number of ticket issued by commercial banks (including individuals) reached 2141, with a cumulative amount of 810 million yuan.

According to the bank category, the illegal situation of the Rural Commercial Bank and the Agricultural Credit Co., Ltd. is still the most serious. A total of 875 tickets were received, and the amount of fined was 248.71 million yuan.

The number of state -owned banks followed closely, and the number of fines reached 399, and the amount of fined reached 15.3729 million yuan. In addition, village banks received the number of fines directly for joint -stock banks and urban commercial banks, and received a total of 204 tickets, with a total of 52.95 million yuan.

It is worth noting that from the perspective of the amount of tickets, millions of tickets are not uncommon, and millions of tickets have also shocked the market. Data show that there were three tickets at the first half of the year, from Qingdao Rural Commercial Bank, Minsheng Bank Taiyuan Branch, and Longjiang Bank; the amount of fined was 44.1 million yuan, 17.1 million yuan, and 12.6 million yuan, respectively.

From the perspective of illegal reasons, the "three investigations" system of the loan is not in place, the five -level classification of loans is inaccurate, illegal loans, and incomparable post -loan management have become the main types of supervision. At the same time, the inspection of the regulatory departments of the violations of credit funds into the property market has been increasing. There are 165 bank tickets that have been fined for illegal housing loans, accounting for 10.94%of the total number of fines.

It is understood that since last year, the regulatory authorities have continued to optimize real estate credit policies and adhered to the positioning of "housing and not frying". Due to the implementation of the city's policy to implement differentiated housing credit policies, "down payment loans" and consumer loan funds flowed into the real estate market, etc. Irregularities. Among the issued federations for housing loan -related loans, the number of fines received by Agricultural Bank of China reached 13.

There are nearly 400 tickets for large state -owned banks, and Agricultural Bank of China has a large number of illegal tickets.

Except for the agricultural and commercial banks, the state -owned bank is punished the most among all bank categories. According to the incomplete statistics of the network, in the first half of this year, the state -owned bank received 399 fines from the CBRC for various violations of laws and regulations, and the total amount of fined was 151.3729 million yuan.

Among them, the Agricultural Bank of China has the worst violations. The number of tickets has received the largest number, totaling 109 pieces, and a total of 40.867 million yuan in the amount of penalties, of which the largest penalty amount reaches 6.5 million yuan.

Data from the discovery network reporters showed that the ticket issued by the Fujian Banking Insurance Bureau on January 25 showed that the Fuzhou Branch of the Agricultural Bank of China had not incorporated land use rights and projects under construction in accordance with regulations. , Failure to issue loans in accordance with the progress of the project, issue mobile funds loans for illegal facts (cases) such as fixed asset investment (case), and was fined 6.5 million yuan.

On March 2nd, the Bank of Agricultural Bank of China Shaanxi Branch provided some information to the inspection team with some information from the inspection team due to the illegal credit business. On March 21, a number of illegal and illegal acts were issued by the China Banking Regulatory Commission for the quality and data submission of the data quality and data submission of the system of the Agricultural Bank of Agricultural Bank of Agricultural Bank.

In addition, on April 24, the Hubei Branch of Agricultural Bank of China Hubei Branch was used to purchase the equity of the "Four Certificate" incompetent real estate project companies; it issued a credit loan to the relationship; Three investigations are not due to diligence, credit funds are misappropriated; post loan management is incomparable, mobile funds loan flows into the real estate sector; after -loan management is unsuccessful, and the loan formation has been punished by the Hubei Banking Regulatory Bureau for a total of 3.977 million yuan.

In addition to the Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and China Postal Savings Bank have also been fined more than 20 million yuan.

The joint -stock bank was fined 176.7979 million yuan Minsheng Bank was fined 34.46 million same industry at the most.

Among the joint -stock banks, a total of 279 fines were received in the first half of this year, and the amount of fines was 176.7979 million yuan. From the perspective of the number of tickets and the amount of fines, the number of shares of banking banks is less than that of state -owned banks, but the amount of punishment is higher than that of a state -owned bank, second only to the Rural Commercial Banking institution.

Among them, Minsheng Bank received 33 fines and was fined 34.46 million yuan. It was the bank with the most fined bank -based banks, and the entire industry was second only to the Agricultural Bank of China.

According to the ticket information, on March 16, the Taiyuan Branch of Minsheng Bank did not conduct financial accounting in accordance with the principle of accounting without the authorization of the head office. Ready, issuing entrusted loans that are actual risks, and providing illegal and illegal acts such as hidden guarantees during the investment operation of wealth management business are ordered to be corrected by the Shanxi Banking Insurance Regulatory Bureau and fined 17.1 million yuan. The punishment of relevant personnel involved is equally severe, and Zhu Xiaopeng's 5 -year -old banking management personnel are eligible for 5 years; eligible for the 3 -year banking management personnel of Luoping; Liu Yang and Yang Liu are prohibited from engaging in banking work for 3 years; and Zheng Yi and Zhao Genniu Yuan Zhihong warned. The ticket has also become one of the tens of millions of tickets since this year. (Picture source: official website of the China Banking Regulatory Commission)

The largest penalty of the largest penalty of the city's business bank in Longjiang Bank was fined 21.95 million yuan

Among the urban commercial banks, a total of 295 tickets were received in the first half of this year, and a total of 129.139 million yuan was fined. Among them, Longjiang Bank received 43 tickets, and the fined amount reached 20.55 million yuan, becoming a bank with the most punished by urban commercial banks in violation of regulations. One of the penalties from the CBRC was more than 10 million yuan. The fine shows that on April 2, the 19 illegal and violations of the Longjiang Bank due to the incomplete internal control management mechanism, the violation of the interbank business, and the violation of the wealth management business were fined 12.6 million yuan by the Heilongjiang Banking Insurance Bureau.

In addition, there are more penalties for Dalian Bank, Changan Bank, Bank of Xi'an, and Tyron Bank. The four banks have been fined more than 6 million yuan.

Qingdao Rural Commercial Bank cashier industry's biggest fine

As an important part of my country's small and medium -sized banks, the issues exposed in the exhibition and management, or some represent the current status of small and medium banks. In the first half of this year, the penalties for agricultural and commercial banks were the largest. Whether it was the number of fines or the amount of penalties, the rural commercial banks ranked first. According to statistics, in the first half of this year, Rural Commercial Bank and Rural Credit Agency received 875 fines, with a fined amount of 24,871,100 yuan.

From the perspective of being punished, the Rural Commercial Bank is still prominent Essence

Among them, Qingdao Rural Commercial Bank has become the most punished bank for rural commercial banks. Although only one ticket was received during the year, the single ticket amount was as high as 44.1 million yuan, which is also the largest ticket issued by the regulatory agency during the year. The ticket issued by the Qingdao Banking Insurance Bureau shows that on January 26, 2022, Qingdao Rural Commercial Bank was inaccurate due to the inaccurate loan class classification, insufficient risk management after investment business, poor employee behavior control, loan transfer deposit opening bank acceptance Eight illegal and illegal acts such as the lack of validity of exchange and data governance, the misappropriation of liquidity funds loan, the seriousness of the real estate loan management, and the inflow of credit card overdraft funds into the non -consumer field were punished.

(Picture source: official website of the China Banking Regulatory Commission)

与此同时，青岛银保监局还对涉及青农商行违法违规行为的相关当事人予以严厉处罚：其中，对于刚、晁阳、潘晓慧、李建文、史力、乔智、赵丕波、徐晓山、张宁、 Li Xiujuan, Geng Wei, Liu Bin, Huang Jian, Sun Zhi, Li Chao, Lian Shijie, Fu Guangming, Chen Xiangdong, Wang Longtao, Wang Yunjun, Zhu Dapeng, Sun Dacheng gave warns to warn Ding Minglai, Jia Chenggang, Wang Jianhua, Jiang Wei, Liu Chenglin The total fine was RMB 660,000, and Meng Qingjie, the former party committee secretary and president of the Huangdao Sub -branch of the Qing Rural Commercial Bank, would ban administrative penalties for life to work in the banking industry.

It is worth noting that the latest statistics show that as of the end of 2021, the number of villages and towns across the country reached 1,651, of which 122 were high -risk institutions, which has become a high -risk institution. Faced with this situation, the punishment for village and township banks has increased significantly since this year. Data show that village banks received 204 tickets, with a total of 52.95 million yuan in fines, mainly involving illegal credit business, violation of prudent business rules, inadequate internal management and control systems, poor execution supervision, unsuccessful review or approved appointment of appointment appointment or approved appointment. Directors and executives have multiple reasons. The major problems such as loans, loan management lost positions, and employee management have continued to increase penalties for violations of regulations. Among them, the Bank of Kuomi Village and Town Bank did not give a letter to the group's customers uniformly; the bill acceptance business of the bill without a real trade background in violation of the rules; the "three checks" of the loan were seriously unsuccessful, and the funds flowed into the bank's major shareholders and related enterprises. He was fined 2.9 million yuan.

Regarding the situation where the banking industry violates regulations, industry insiders point out that such a large number of banking tickets appear on the one hand, which explains that the punishment and depth of the regulatory agency are strengthening, and on the other hand, it also shows that there are still some violations in the banking industry. It is urgent to solve that the regulatory supervision of the banking industry is still the top priority of the banking industry.

(Reporter Luo Xuefeng Financial Researcher Zhou Zizhang)

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