In the last three years, Minsheng Bank has been a bad boy in the industry. From the senior management team to the branches and sub-branches, violations of laws and regulations frequently occur, and sky-high fines are not uncommon.
On March 16, official website, the central bank issued an announcement to punish the illegal payment and clearing business of Xiamen Branch of Minsheng Bank (emerging payment and clearing center), with a total fine of 654.38+63 million yuan in addition to warning.
The reason for the punishment is that Minsheng Bank violated laws and regulations such as clearing management of non-financial institutions, RMB bank settlement account management and payment service management.
In response, Minsheng Bank responded that it cancelled the emerging payment and clearing center of Xiamen Branch. The relevant person in charge of Minsheng Bank also said that the bank will continue to strictly implement the regulatory requirements and standardize all kinds of payment and settlement business according to the spirit of the latest document of the People's Bank of China on payment and settlement business.
In June last year, it was reported that in order to cooperate with the central bank to rectify the chaos of liquidation payment, the Jiangxi Provincial Public Security Department froze payment, including payment giants Tenpay and Yinsheng paying settlement money to the emerging payment and clearing center, involving amounts of 65 million and 654.38+0.5 billion respectively. At that time, Xinxing Payment and Clearing Center urgently shut down the gateway business of its 45 cooperative third-party payment institutions, in order to cooperate with the People's Bank of China and the Ministry of Public Security to supervise major cases.
It's really a wave of unrest.
Prior to this, on April 27, Minsheng Bank announced that Zhang, the president of Tianqiao Sub-branch of Beijing Branch, fabricated false investment and wealth management products and wealth management transfer products by controlling other people's accounts as fund collection accounts, and he himself or instructed individual employees of the sub-branch to find target customers. Illegally raised client funds are controlled by individuals, and some of them are used to invest in real estate, cultural relics, jewelry and other fields, and the raised funds have not entered the company accounting system. The Whale Diamond Golf Club founded by Zhang has gathered hundreds of high-quality and high-net-worth customers, and these customers have also become victims of the "fake financial management case".
On June 30th last year, 165438+ Beijing Supervision Bureau of China Banking Regulatory Commission issued a fine to Minsheng Bank. Tianqiao Sub-branch of Beijing Branch of Minsheng Bank was fined 27.5 million yuan for selling fictitious wealth management products, and three employees, including Zhang Ying, were given an administrative penalty of being banned from banking for life. In 20 17, among more than 500 tickets issued by local banking regulatory bureaus, the amount of fines imposed by Minsheng Bank Aerospace Bridge Sub-branch was the highest in that year.
In early August, Lin Xiaoxuan, chief information officer of Minsheng Bank, was investigated for serious violation of discipline. Lin Xiaoxuan just became the chief information officer in the seventh general election of the board of directors completed by Minsheng Bank on February 20th.
Earlier in mid-April, Zhao Pinzhang, former vice president of Minsheng Bank and chairman of the Asset and Liability Management Committee, was taken away for investigation.
2015 65438+1October 30th, Mao Xiaofeng, then president of Minsheng Bank, was taken away to assist in the investigation.
It is common for Minsheng Bank to encounter various order fines due to irregular business. On June 5438+ 10 this year, the website of China Banking Regulatory Commission published the information disclosure form of administrative punishment of Sanya Banking Supervision Branch, and punished Sanya Branch of Minsheng Bank for illegally occupying the credit line to handle inter-bank business, with a fine of 450,000 yuan, and gave a warning to the relevant responsible person and an administrative penalty of fine; 12 February, Shanghai Banking Regulatory Bureau fined Minsheng Bank10.2 million yuan, because the working capital loan was not used for the company's daily production and operation turnover, which lowered the credit conditions for the business in a specific mode and concealed important facts and documents when checking with the regulatory authorities.
At present, we can only see the financial report data of Minsheng Bank as of the third quarter of last year, and its non-performing loan ratio is 1.69%, which is slightly lower than the overall 1.74% of commercial banks. Under the impact of so many violations of laws and regulations, its final data of 20 17 is not optimistic.