大明王朝1566

年内银行罚没近13亿！2129张罚单中500万以上大额罚单达21张，“双罚制”常态化_我的网站

A |     登录新浪财经APP 搜索【信披】查看更多考评等级　　财联社8月26日讯（编辑 杨斌）　　监管对银行业合规的惩戒力度持续加码。　　财联社梳理今年银行罚单数据发现，银行罚单整体数量有所下降，但大额罚没案件明显增多，2026年以来500万元以上大额罚单已达21张，千万级罚单已出现多起，罚没总规模逼近 13 亿元。罚单整体呈现“数量下降、金额上升”的特征，且“双罚”常态化。　　业内分析指出，监管的处罚愈加精准，要求银行穿透式治理合规方面的深层次缺陷。    

    Workers harvest Ottelia acuminata at a planting base at Yong'an Village of Eryuan County in Dali Bai Autonomous Prefecture, southwest China's Yunnan Province, on Oct. 18, 2024.(Photo by Luo Xincai/Xinhua)Under the summer sun, Erhai Lake in southwest China's Yunnan Province glistens thanks to its clear blue water dotted with floating white blossoms. Tourists stroll and cycle around the spot, where limpid waters, lush mountains and blooming flowers combine in weaving a picturesque scene.
The delicate blossom seen floating there is Ottelia acuminata, an aquatic plant endemic to China, which is known to have extremely strict water quality requirements. It demands high water transparency, cleanliness and calcium content, and survives only in unpolluted waters, serving as a reliable natural indicator of aquatic ecological health.
Its large-scale revival vividly testifies to Erhai Lake's remarkable ecological restoration achievements.
China's Ecological and Environmental Code, enacted on Saturday, stipulates nationwide protection and restoration of river and lake ecosystems, providing solid legal support for systematic water ecological governance across the country.
As China advances its Beautiful China initiative, this code is expected to strengthen rule-of-law guarantees for ecological protection and provide fresh impetus for the country's green and low-carbon transition.
In the early 1990s, agricultural pollution worsened Erhai Lake's water quality, causing frequent blue-green algae outbreaks. A severe algae bloom hit the lake in 1996, leaving the water turbid and smelly. As the environment degraded, Ottelia acuminata nearly disappeared from the lake.
Thanks to years of targeted ecological protection and restoration efforts, the lake's water quality has improved steadily, maintaining an excellent Grade II standard from January to June 2026, and creating favorable conditions for the return of Ottelia acuminata.
Official data show that the plant's coverage on Erhai Lake has surged from 90,000 square meters in 2021 to 950,000 square meters in 2026, marking a remarkable ecological recovery.
The improved water environment has also brought tangible economic benefits, turning the lake's ecological advantages into a sustainable industry. From lake ecology to farm cultivation and consumer products, Ottelia acuminata's dual ecological and economic value has been fully realized.
In 2018, environmental worker Zhong Lan noticed the edible plant's great potential for water purification and industrial development. With support from local authorities and Shanghai Jiao Tong University in eastern China, she started a company and built a professional research base in 2024, developing standardized planting techniques that enable high-yield, repeated harvests and offering jobs for local villagers.
Villager Li Xinyuan, who quit Ottelia acuminata cultivation years ago due to low profits, resumed planting in 2023 and earns a stable monthly salary of 4,500 yuan (about 663 U.S. dollars) at the base.
His fellow villager Du Hongquan earned over 100,000 yuan last year from growing the plant and has more than doubled his planting area this year. "The base takes full charge of sales, so we can plant without any worries," Du said.
Eryuan County, the source of Erhai Lake, now has more than 200 hectares of Ottelia acuminata plantation area, creating numerous jobs yearly. The plant has been developed into a diverse range of products like tea, plant-based coffee and cookies.
"I used to think it was exclusive to Yunnan, but I can try it elsewhere too," said a tourist surnamed Ai after tasting the plant at a hotpot restaurant in Hangzhou, east China's Zhejiang Province.
The beautiful lakeside scenery at Erhai has also boosted local tourism. In 2025, Dali received over 120 million tourist visits, attracting visitors to enjoy lake views and experience local Bai ethnic culture, with 407,000 long-term visitors.
Last month, the State Council issued a plan for building a Beautiful China during the 15th Five-Year Plan period (2026-2030), setting out the overall requirements, targets, key tasks and major projects for comprehensively advancing this initiative.
According to the plan, China will achieve overall improvement in ecological and environmental quality and make significant progress toward building a Beautiful China by 2030, with green production and lifestyles largely established and the carbon peaking target reached on schedule.
。　　渤海银行领5015万罚单，事涉贷款、票据、理财业务　　国家金融监管总局近日公示一批行政处罚信息：渤海银行因“相关贷款、票据、理财业务不审慎等”被罚款5015万元，三名责任人被警告并罚款共计22万元。全资理财子公司渤银理财因“投资运作不规范、信息披露不准确等”被罚1230万元，两名责任人被警告并罚款共计11万元。母子公司合计罚没6245万元，处罚落实“双罚制”，机构与个人双重追责。　　业内分析指出，贷款、票据、理财是商业银行最核心、体量最大、风险最高的三大板块，三项业务同时出现合规问题说明该行风控体系、制度执行、内部监督亟待加强。　　渤海银行及其分支机构今年已多次收到监管处罚。2月，武汉分行因流动资金贷款贷前调查和贷后管理不尽职、融资租赁保理业务不审慎被罚175万元；4月，深圳前海分行因贷款“三查”不尽职、并购贷款审查不到位、集团授信管理不到位、资产分类不真实等被罚290万元；5月，郑州分行因发放无实际用途存单质押贷款虚增业务规模、贷款“三查”不到位、滚动开票虚增业务规模等多项违规行为被罚350万元。　　渤海银行尚未发布2026年半年报，从年报数据看，渤海银行2025年实现营收259.70亿元，同比增长1.92%；实现净利润54.98亿元，同比增长4.61%。2025年末，渤海银行不良贷款率1.66%，环比下降0.1个百分点，但在股份制银行中处于较高水平。　　今年银行大额罚单已超20张，监管处罚愈发精准　　截至8月26日，金融监管总局本次对渤海银行开出的罚单，为今年银行机构被罚金额最大的一单。财联社据企业预警通数据统计，2026年至今，央行、金融监管总局及其派出机构、外汇局对银行机构开出的单笔罚没金额超500万元的大额罚单共21张，涉及19家银行总行，罚没合计约2.70亿元。　　图：2026年至今银行收到的500万元以上罚单　　进一步来看，年内单笔超千万元的罚单共6张。除渤海银行外，还涉及建设银行、浦发银行、农业银行、中信银行及杭州联合农商银行。　　同样是在8月，农业银行上海分行因贷款违反审慎经营规则、票据业务管理不到位等事由，收到金融监管总局上海监管局1210万元的罚单。　　2月12日，央行对建设银行、浦发银行开出超4000万元罚单，事由均涉及客户尽职调查、可疑交易监测等反洗钱环节，并叠加征信、支付结算、账户管理等违规，单日合计罚没超8600万元，成为上半年最具标志性的银行处罚案件。反洗钱合规——尤其是客户身份识别、可疑交易报告、客户资料保存等环节，成为监管执法的“重中之重”。　　另外，中信银行和杭州联合农商银行分别因为信用卡业务违规和数据报表报送不规范的原因，收到千万以上的罚单。　　按银行类型看，股份制银行收到的大额罚单（下专指500万元以上的罚单）最重——5张罚单合计约1.17亿元。国有银行6张、罚没约8393万元；城商行6张、罚没约4090万元；农商行3张、罚没2260万元。　　从违规领域看，信贷业务仍是罚单高发区，多数大额罚单涉及贷款“三查”、票据融资、信贷资产质量等环节违规。农业银行年内已收到两张大额罚单，均与信贷相关。

B | 　　整体来看，2026年银行监管处罚延续高压态势。

C | 据企业预警通统计，一季度监管对银行机构及从业人员开出罚单1076张、罚没6.32亿元；二季度655张、罚没3.98亿元；7月262张、罚没1.40亿元。今年罚单合计已达2129张，罚没约12.96亿元。　　与去年同期相比，今年银行罚单呈现“张数减少、金额增加”的特点。在大额罚单上，去年同期500万元以上的罚单有17张，千万以上有6张，但最高金额不足3000万元。此外，“双罚制”常态化，即一旦发生违规，机构与相关责任人员都要承担责任。　　某金融业分析师指出，大额处罚更加集中、强调“追责到人”，均显示监管的处罚愈加精准。监管从“发现违规”，逐步导向“追溯违规产生的原因”，要求银行穿透式治理合规方面的深层次缺陷。责任编辑：曹睿潼。

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Published on:17:40:01