The central bank will issue a million -level ticket!Many banks involve anti -money laundering violations, and the maximum penalty exceeds 6 million yuan

Recently, the central bank's multi -local branch agencies densely issued large tickets to bank institutions within their jurisdiction, and many banks were fined millions.

"Daily Economic News" reporter noticed that from the perspective of penalties, illegal acts are mainly concentrated in the field of anti -money laundering. For example, if they fail to fulfill their customer identification obligations in accordance with regulations, they fail to submit large transaction reports and suspicious transaction reports in accordance with regulations. In addition, many banks have acts of financial funds.

From the perspective of the type of punishment agency, the ticket involves the First -level Branch of the State -owned Bank of China, the joint -stock bank, the city commercial bank, the agricultural commercial bank, the agricultural credit cooperatives, the village and the township bank, etc. Among them, many banks received more than one million penalties, while ICBC's two -level branches were fined more than 5 million yuan.

Zhou Maohua, a macro researcher at the Everbright Bank Financial Market Department, said in an interview with a reporter WeChat that from the recent penalties of some banks, it mainly involves some anti -money laundering violations and other issues. There are some "vulnerabilities" in maintaining financial security, which also reflects that the internal governance of a few banks is not perfect, and the comprehensive quality of a few salespersons needs to be improved.

Two branches of ICBC each led a penalty of more than 5 million yuan

The reporter noticed that the central bank branches that have recently issued a ticket, including the Central Bank Qingdao Central Sub -branch, Changchun Center Sub -branch, Chongqing Camp Management Department, and Guiyang Center Sub -branch. From the perspective of the penalty amount, the amount of multiple banks was punished for more than one million levels.

On June 17, the Central Bank Chongqing Business Management Department issued 22 tickets in a row, involving 7 banks (Industrial and Commercial Bank of China Chongqing Branch, Chongqing Rural Commercial Bank, Chongqing Bank, Chongqing Peng Shuimintai Village Bank, Chongqing HSBC Village Bank, Chongqing Jiangjin Yinyin Bank Village Bank, Chongqing Jiangbei Hengfeng Village Bank) and 15 individuals. The amount of many banks fined millions.

Among these tickets, the amount of ticket received by the ICBC Chongqing Branch was 60.46 million yuan. At the same time, the four were fined 35,000 to 60,000 for the responsibility for the relevant illegal and illegal acts of the bank; The violations were fined 2.55 million yuan; Chongqing Bank was fined 3.95 million yuan for 4 violations; Chongqing Peng Shuimintai Village Town Bank was warned for 6 violations and fined 1.371 million yuan.

In addition, the Central Bank Changchun Center Sub -branch announced 31 fines on June 17, involving 6 banks (Industrial and Commercial Bank of China Jilin Branch, Changchun Rural Commercial Bank, Jilin Jiutai Rural Commercial Bank, Jilin Shuangyang Rural Commercial Bank, Siping City Rural Rural District Credit Cooperative Union, Yanbian Rural Commercial Bank). Among the banks with millions of penalties, the ICBC Jilin Branch received the highest amount of penalties, reaching 50.616 million yuan. At the same time, 10 people were punished for being responsible for the relevant violations of laws and regulations of the bank; He was fined 1.1461 million yuan, and up to 11 people in the bank were punished for liability for related violations of laws and regulations.

On June 17, the Central Bank Guiyang Center Sub -branch announced the six banks (Guizhou Bank, Industrial Bank Guiyang Branch, Guizhou Sinan Rural Commercial Bank, Guizhou Hezhang Rural Commercial Bank, Guizhou Pingtang Rural Commercial Bank, Guizhou Huaxi Rural Commercial Bank ) Punishment.

Among them, the Bank of Guizhou was warned and fined 2.84 million yuan for as many as 13 types of illegal acts. At the same time, the four were fined 12,000 to 70,000 yuan for the responsibility of the bank's relevant illegal acts; Industrial Bank Guiyang Branch was fined 1.79 million yuan for a number of violations, and four responsible persons were punished.

In addition, the administrative penalties disclosed by the Central Bank Qingdao Central Branch on June 20 showed that the two banks (Everbright Bank Qingdao Branch and Qingdao Laoshan Jiaoyin Village Bank) received a ticket, and a total of three relevant responsible persons were fined. Among them, the Everbright Bank Qingdao Branch was given a warning with a fine of 1.451 million yuan.

Multiple banks were fined for financial funds

From the perspective of penalties, the above -mentioned bank institutions that receive millions of tickets can be described as diverse, including financial funds, customer transactions with unknown identity, failing to unlock counterfeit coins in accordance with regulations, violate credit information collection, provide, query, and check. Relevant management regulations, etc., but most banks are concentrated in violation of the relevant regulations of anti -money laundering.

ICBC Jilin Branch was warned and fined 5.0616 million yuan. The types of illegal acts include: accounting for financial funds; violations of account management regulations; ; No important parts related to financial products and services are disclosed to financial consumers as required.

The Chongqing Bank was fined 3.95 million yuan, and the types of illegal acts include: failure to perform customer identification obligations in accordance with regulations; not preserved customer identity information and transaction records in accordance with regulations; Unknown customers conduct transactions.

ICBC Chongqing Branch was fined 60.46 million yuan, and the types of illegal acts include: exceeding the deadline or not submitting accounts to the People's Bank of China to open, revoked the financial funds; , Complete and timely submit personal credit information; fail to fulfill customer identification obligations in accordance with regulations; fail to preserve customer identity information and transaction records in accordance with regulations; not submit large and suspicious transactions in accordance with regulations; transaction with customers who are unknown; No complaints for financial consumers are classified as required; complaint data of missed reports; not disclosed to financial consumers as required to disclose important content related to financial products and services. In addition, Guizhou Bank was fined 2.84 million yuan, and the illegal acts include the following 13 items: more than the time limit for submitting account opening, cancellation and other information; accounting for financial deposits or funds; Bad information, not inform the information subject of the information in advance; not accurate, complete, and timely submit personal credit information; not using format clauses as required; use technical means to enforce financial consumers in disguise The complaint may not feedback the complaint handling situation as required; the missed complaint data; the transaction with customers with unknown identities; failure to fulfill the obligation of customer identity in accordance with regulations; fail to preserve customer identity information and transaction records in accordance with regulations; Inquiry report and suspicious transaction report.

The reporter found that the obligation of customer identification was not fulfilled in accordance with regulations, the customer identity information and transaction records were not preserved in accordance with the regulations, and the large transaction reports or suspicious transactions were submitted in accordance with regulations. Accounts, pseudonym accounts, etc., all belong to the illegal behavior of financial institutions stipulated in the "Anti -Money Laundering Law of the People's Republic of China".

Last year, 365 banking institutions were fined 261 million yuan for anti -money laundering violations

"Daily Economic News" reporter noticed that in recent years, the central bank's supervision of the field of anti -money laundering has only increased. For example, on June 1 last year, the Central Bank issued the "Anti -Money Lake Act of the People's Republic of China (Draft for Public Soliciting Opinions)" (hereinafter referred to as the "Draft of Opinions"), which greatly increased the amount of illegal fines in the penalty.

In terms of enhanced administrative punishment of anti -money laundering, the "Draft of Opinions" pointed out: "If financial institutions violate the provisions of this Law, the criminal income and their income can be concealed and concealed through the institution, or the consequences of terrorist financing are occurred. Anti -money laundering administrative departments or displacement agencies above the city level at or above the district in accordance with the principle of altitude, 5 million yuan or less than 10 percent of the amount of more than 10 million yuan or less than 10 percent of the amount are fined. If there is an illegal income, the illegal income is confiscated; if the circumstances are particularly serious, the administrative department of anti -money laundering may adopt or suggest that relevant financial supervision and management agencies order it to suspend business or revoke its business license. "

Earlier, the central bank released the "General Situation of the People's Bank of China Anti -Money Laundering Supervision and Management in 2021". In terms of anti -money laundering law enforcement inspections and administrative penalties, the entire system of the People's Bank of China has carried out a total of 159 special anti -money laundering law enforcement inspections, 476 comprehensive law enforcement inspections containing anti -money laundering contents, and three administrative penalties for institutions involved. Institutional punishment, the amount of fines was 321 million yuan, and 759 illegal personal fines were 19.36 million yuan, and the total fines were 341 million yuan, a year -on -year decrease of 38%.

For banking institutions, a total of 600 banking institutions were inspected in 2021, and administrative penalties for 365 illegal institutions (including inspection in the past year and completed the punishment projects this year), fined 261 million yuan, punished 697 individuals, fines 16.11 million fined 16.11 million Yuan, a total of 277 million yuan.

Daily Economic News

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