Recently, Chengdu Bank was fined RMB 7.25 million by the Sichuan branch of the National Financial Regulatory Administration for multiple regulatory violations. According to publicly disclosed penalty details, the bank was found guilty of imprudent credit management, misappropriation of loan funds, and deficiencies in internal controls. Regulators stated that Chengdu Bank failed to strictly implement pre-loan investigations, mid-loan reviews, and post-loan management requirements in certain lending activities, leading to credit funds being used for unauthorized purposes and increasing financial risks. Additionally, shortcomings were identified in employee conduct oversight and information system security. This penalty is one of the largest imposed on a regional city commercial bank in recent years, highlighting regulators’ heightened focus on compliance and risk control among smaller banks. Chengdu Bank has pledged to rectify the issues promptly, strengthen its internal control mechanisms, enhance compliance management, and effectively mitigate financial risks. Industry experts believe this enforcement action will encourage broader improvements in compliance awareness across the banking sector and support more stable industry development.
近日，成都银行因多项违规行为被国家金融监督管理总局四川监管局处以725万元罚款。根据公开处罚信息，该行主要涉及信贷管理不审慎、贷款资金被挪用、内部控制存在缺陷等问题。监管部门指出，成都银行在部分贷款业务中未严格执行贷前调查、贷中审查和贷后管理要求，导致信贷资金流向不符合规定用途，增加了金融风险。此外，该行在员工行为管理和信息系统安全方面也存在不足。此次处罚是近年来地方城商行中金额较大的罚单之一，反映出监管部门对中小银行合规经营和风险防控的高度重视。成都银行表示将认真整改，强化内控机制，提升合规管理水平，切实防范金融风险。业内专家认为，此次处罚有助于推动银行业整体加强合规意识，促进稳健发展。
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