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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。    London, Oct 15 (UNI) Liz Truss is facing a backlash from Conservative MPs after firing her chancellor and announcing a second U-turn on a major economic policy.

Rishi Sunak-backers say "dissatisfaction is so high", however, making place for another PM in quick succession is not something the party can afford.

One former minister told the BBC: "we cannot go on like this indefinitely". However, several of Boris Johnson's supporters would do anything to stop Indian-origin Sunak from taking over.

Another Tory MP said the party was in a "state of despair" after the PM's Downing Street news conference.

Truss supporter Christopher Chope said "time will tell" if she had done enough to secure her position but those plotting to remove her were "hyenas".

Sir Christopher said: "We can't possibly force another prime minister out of office, we've just got to calm down and try to give the prime minister our support."

On Friday, Truss sacked her chancellor, Kwasi Kwarteng, and reversed a key policy to scrap the planned rise in corporation tax from 19 to 25 per cent. The statement marks the second major U-turn on the mini-budget after Truss cancelled her plan to scrap the top rate of income tax earlier this month.

The U-turn on corporation tax is "going to be damaging to the prospects for growth" and is "totally inconsistent" with what she said during the campaign, Sir Christopher said.

Conservative MP for Coalville, Andrew Bridgen, said he thinks "there'll be a challenge to Truss in the next few weeks".

Bridgen, who backed Rishi Sunak to be leader, said: "Dissatisfaction is so high in the parliamentary party.

"Removing Kwasi Kwarteng when he implemented the policies she asked him to do won't engender loyalty to her."

On September 23, Kwarteng unveiled a so-called mini-budget to deliver the prime minister's vision, announcing the biggest package of tax cuts in decades. But the mini-budget spooked financial markets and sparked a revolt among Tory MPs, who urged the prime minister to drop parts of her economic plan to shore up the UK's finances.

Privately many Conservative MPs admit they have gone through despondency and into despair over the past 24 hours, the BBC said.

By going back on her promise to cut taxes she has now alienated some of those who backed her in the leadership contest for her "bold" approach.

It is not hard to find Tory MPs who think her time is up.

One former backer told the BBC, Truss had "appointed her successor," by bringing in Jeremy Hunt as chancellor. "Sadly I think that hastened her demise," the Conservative MP said.

Another MP called Truss's news conference "a mega-disaster". They said: "She will have to resign - she is worse than Corbyn."

Truss insisted she would stay on as prime minister to see through her "mission" to get the economy growing.

"I'm absolutely determined to see through what I promised - to deliver a higher growth, more prosperous United Kingdom to see us through the storm we face," Truss said.

The eight-minute news conference came after a dramatic day in which the prime minister fired Kwarteng after he returned early from a US summit.

Members of Truss's cabinet are not in open revolt. Many allies have been tweeting support for her and the new chancellor, Hunt.

Former chancellor Nadhim Zahawi tweeted: "It's time to get Britain moving. We are determined to grow the economy, eliminate the Covid backlog and protect people from Putin's energy warfare."

In a tweet, Deputy Prime Minister Therese Coffey - a close ally of Truss - said the prime minister was "right to act now to ensure our country's economic stability".

And Business and Energy Secretary Jacob Rees-Mogg tweeted: "As a government, we must now get on and deliver the pro-growth reforms that will lay the foundations for our future prosperity."

The Liberal Democrats and the SNP have called for a general election, while shadow chancellor Rachel Reeves said a new government led by Labour is "what this country needs".

Truss has ruled out a general election until 2024.

Many in the parliamentary Conservative party think they have to avoid another drawn-out leadership contest where Tory members have the final say.

The idea cropping up most is a joint ticket with former chancellor Rishi Sunak and Penny Mordaunt. But after 12 years in power, under four different leaders, there are many old scores to settle in the Tory Party, the BBC said.

UNI ING。　　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。

B | 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。　　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。

C | 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。

D | 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”。

E | 　　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。

F | 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。　　整体来看，2026年银行监管处罚延续高压态势。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。

G | 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。

H | 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:01:27:58