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Bank fines and fines are rising rapidly which banks have been fined

The number of fines disclosed by the banking regulatory authorities in April rose sharply compared with the amount of fines. Only three months ago, the banking regulatory issued more than 800 fines: 10 people were banned from banking for life. This year, the banking industry issued an average of 10 tickets a day.

According to the surging news statistics, in April 2018, the banking regulatory authorities at all levels disclosed 159 tickets, including 48 tickets disclosed by the banking regulatory bureaus at all levels and 111 tickets disclosed by the banking regulatory branch, with a total fine of 42.9737 million yuan. Compared with 81 tickets and 18.446 million Yuan fines disclosed in March, the number of tickets and the amount of fines disclosed in April have increased significantly.

In terms of the causes of violations, violation of macro-control policies, shadow banking and cross financial product risks are the main problems reflected in the fines disclosed by banking regulatory authorities at all levels in April, and there are still many violations of interbank business and financial management business. In addition, there are some special risk situations in some financial institutions. For example, from 2005 to 2017, the website outsourcing management of Pangu Bank (China) Co., Ltd. failed and illegal invasion occurred; Pu'er branch of China Construction Bank failed to strictly implement the internal control system, resulting in the theft of bank self-service equipment funds by employees.

From the perspective of the punishment trend of the banking regulatory department, the supervision and accountability of the person responsible for the violation of the law has been strengthened, and the measures of "double punishment system" are obvious. In April, a total of 89 people were subject to administrative penalties, 8 of whom were banned for life, and 12 were disqualified from senior management or banking for several years.

The illegal use of funds in securities trading and real estate trading is rampant

Violation of macro-control policies, shadow banking and cross financial product risks are the main problems reflected in the fines disclosed by banking regulatory authorities at all levels in April. Take only the fines disclosed by local CBRC bureaus as an example, the number of fines involving the above issues has reached half.

Since the beginning of this year, banking regulatory departments at all levels have continued to 'Knock' financial institutions that violate macro-control policies. The CBRC clearly pointed out in the key points of rectifying banking market chaos in 2018 released in January that the violation of macro-control policies includes the violation of credit policies and the violation of real estate industry policies.

Specifically, the first ticket disclosed by the banking regulatory authorities at all levels in April involved violation of credit policies. From 2016 to 2017, part of the cash installment funds of the credit card center of Shanghai Pudong Development Bank were used for securities trading; from 2015 to 2017, part of the installment funds of the credit card center were used in non consumption fields, which seriously violated the prudent operation rules. Due to the above reasons, SPDB Credit Card Center was fined 1751700 yuan by Shanghai Banking Regulatory Bureau.

In addition, Zhejiang branch of Bank of China has misappropriated personal consumption loan funds for house purchase; Hangzhou branch of postal savings bank has misappropriated personal consumption loan funds for house purchase and illegal inflow into the stock market; Yangqu County branch of Agricultural Development Bank of China has provided external financing guarantee in violation of regulations; Haining rural commercial Bank of Zhejiang has misappropriated personal loan funds for house purchase and unfinished inspection Receive commercial housing to issue mortgage loan.

Many policy banks, AMC and other specialized financial institutions were punished

Policy banks, four asset management companies (AMCs) and other special financial institutions have also been punished for violations of regulations.

On April 10, Shanxi Banking Regulatory Bureau disclosed that Yangqu County branch of Agricultural Development Bank of China was fined 300000 yuan for providing financing guarantee against rules, and Zhang Mingchen, the relevant person in charge, was forbidden to work in banking for life.