In 2019, strict supervision of financial institutions will continue. According to statistics from a reporter from the "Financial Investment News", as of July 15, 19 financial institutions in Sichuan have received "fines" from the People's Bank of China, with a total fine of 4.754 million yuan. In addition to banks, securities, insurance, third-party payment institutions, etc. are all involved.

11 banking institutions have been punished

As of July 15, the Chengdu Branch of the People’s Bank of China and a number of branches in Sichuan Province disclosed administrative penalty information, and there were 17 *** Zhang was involved in violations of laws and regulations in financial institutions in Sichuan in the first half of the year, a slight decrease from 18 in the same period of 2018.

In terms of banking institutions, 11 banks were punished in the first half of the year, including 1 major state-owned bank, 3 joint-stock banks, 3 city commercial banks, and 4 rural financial institutions.

Among the major state-owned banks, three branches of the Postal Savings Bank of China received fines. Among them, the Zigong Branch of the Postal Savings Bank of China "failed to file personal RMB settlement accounts in accordance with regulations", the Nanchong Branch "failed to submit account opening information to the People's Bank of China", and the Suining Branch "falsely reported or concealed financial statistical data", and were fined respectively. 50,000 yuan, 160,000 yuan, 20,000 yuan.

Among the joint-stock banks, Shanghai Pudong Development Bank (600000) Leshan Branch and Ya'an Branch respectively failed to submit account opening information as required or exceeded the time limit when opening a personal bank settlement account, and "failed to report personal bank settlement accounts." Hengfeng Bank was fined 10,000 yuan for "failure to submit account opening information to the People's Bank of China".

The Chengdu Branch of a joint-stock bank received three fines from the Chengdu Branch of the People's Bank of China, pointing out that personal credit inquiry users failed to register with the People's Bank of China; exceeded the deadline or failed to submit to the People's Bank of China Account opening, cancellation and other information; failure to submit suspicious transaction reports as required; false reporting and concealment of financial statistics and other illegal activities, and a total fine of 396,000 was imposed.

In addition, city commercial banks such as Bank of Chongqing Chengdu Branch, Panzhihua Commercial Bank Chengdu Branch, Sichuan Tianfu Bank Zigong Branch, Leshan Shawan District Rural Credit Cooperative Association, Meishan Rural Commercial Bank, Liangshan Rural Commercial Bank Dechang Branch, Sichuan Guanghan Rural Commercial Bank and other rural financial institutions were also punished in the first half of the year. The violations involved mainly included "false reporting or concealment of financial statistical data", "overdue or failure to report settlement account information", "personal The RMB settlement account was not filed as required", etc.

Third-party payment institutions have "stepped on thunder" many times

In addition to banking institutions, the "fines" issued by the Chengdu Branch of the People's Bank of China and branches in Sichuan Province in the first half of the year also involved Multiple securities, insurance, and third-party payment institutions.

Specifically, due to violations of relevant regulations on bank card acquiring business, UMC Sichuan Branch, Zhongfu Payment Technology Co., Ltd. Chengdu Branch, and Beijing Haike Rongtong Payment Service Co., Ltd. The Chengdu branch was punished, and the amount of fines and confiscations were all above 500,000 yuan. Among them, Zhongfu Payment had its illegal gains confiscated of 161,800 yuan and was fined 550,000 yuan; Haike Rongtong had its illegal gains confiscated 96,200 yuan and was fined 55,000 yuan. A fine of 10,000 yuan was imposed; UMF’s illegal income of 11,000 yuan was confiscated and a fine of 500,000 yuan was imposed.

It is worth noting that this is not the first time that the above three institutions have "stepped on thunder". Take UMF as an example. In August last year, UMF was warned by the Business Management Department of the People's Bank of China for violating liquidation management regulations and non-financial institution payment service management regulations. Its illegal gains of 12.0792 million yuan were confiscated and a fine of 14.3197 million yuan was imposed. , a total fine of 26.3989 million yuan was confiscated. China Pay Wuhan Branch and Haike Rongtong Guangxi Nanning Branch have also been punished for violations before.

Chengdu Tianfutong Financial Services Co., Ltd. and Sichuan Shangtong Industrial Co., Ltd. were fined 90,000 yuan and 50,000 yuan respectively for "violating relevant regulations on payment and settlement business."

In addition, three institutions including Haitong Securities (600837) Sichuan Branch, Dongxing Securities Chengdu Second Ring Road South Section 2 Securities Sales Department, and China United Property & Casualty Insurance Cangxi Branch also received fines in the first half of the year. Among its illegal behaviors, they all include "failure to perform customer identification obligations as required."

On July 8, also because of "failure to perform customer identification obligations as required", China United Property and Casualty Insurance Mianyang Central Branch received the "No. 1" issued by the Mianyang Central Branch of the People's Bank of China. fine".

“Financial institutions should, in accordance with the legal provisions on anti-money laundering and counter-terrorist financing, establish and improve internal operating procedures for customer identification, customer identity information and transaction record storage, and designate dedicated personnel to be responsible for anti-money laundering and counter-terrorist financing. For anti-terrorism financing compliance management, we should rationally design business processes and operating specifications, conduct regular internal audits, evaluate whether internal operating procedures are sound and effective, and promptly modify and improve relevant systems." Industry insiders pointed out.

This article is from the Financial Investment News

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