Recently, Zhejiang Mintai Commercial Bank was fined RMB 7.15 million by the Zhejiang Branch of the National Financial Regulatory Administration for multiple violations of regulations. According to official disclosures, the bank exhibited serious deficiencies in credit management, failed to properly implement the ‘three checks’ system (pre-loan investigation, mid-loan review, and post-loan inspection), issued loans in violation of rules, and demonstrated weak oversight of employee conduct. Specifically, certain loan operations bypassed required due diligence procedures, undermining risk controls. Additionally, some branches showed significant lapses in verifying customer eligibility and monitoring fund usage. Regulators emphasized that such practices not only breach prudent banking principles but also pose risks to financial stability and consumer protection. This penalty represents a notable example of stringent enforcement against internal control failures among regional banks, highlighting regulators’ intensified focus on compliance and risk management in the banking sector. The bank has pledged comprehensive rectification, strengthening its internal controls and compliance framework to prevent recurrence.
近日，浙江民泰商业银行因多项违法违规行为被国家金融监督管理总局浙江监管局处以715万元罚款。根据公开通报，该行主要存在信贷管理不审慎、贷款‘三查’制度执行不到位、违规发放贷款、员工行为管理薄弱等问题。其中，部分贷款业务未严格执行贷前调查、贷中审查和贷后检查，导致风险控制失效；同时，个别分支机构在客户资质审核和资金用途监控方面存在明显疏漏。监管部门指出，此类行为不仅违反了审慎经营原则，也对金融秩序和消费者权益构成潜在威胁。此次处罚是近年来地方中小银行因内控缺陷被重罚的典型案例，反映出监管层对银行业合规经营和风险防控的高度重视。浙江民泰商业银行表示将全面整改，强化内控机制，提升合规管理水平，切实防范类似问题再次发生。
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