The Banking and Insurance Regulatory Commission issued a heavy ticket, and a total of 19.7 million yuan was fined for the workers and peasants’ establishment of diplomatic relations, postal storage, CITIC, and China Everbright.
In the evening of May 9, multiple fines disclosed by the China Insurance Regulatory Commission showed that Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Post Eight banks including Savings Bank, China CITIC Bank and China Everbright Bank because of violations of laws and regulations due to the data quality and data reporting of the EAST system , all received millions of millions of fines. The time for this penalty is April 20.
According to the relevant regulatory documents issued by the original CBRC, the standardized regulatory data uses a typical analytical data structure, which can extract different levels of bank or even branch-level inspection data views to meet different needs Inspection and analysis of different supervision perspectives of the level supervision department. At the same time, it provides the basic data types required for bank business management, which is convenient for banks to analyze their own system architecture and data integrity, accuracy, and timeliness against standardized supervisory data, so as to provide banks with effective risk management and internal control and improve data governance way.
Specifically, ICBC has underreported the number of wealth management products, serious underreporting of capital transaction information, underreporting of credit asset transfer business, underreporting of loan write-off business, and points. Unaccounted for detailed account records, unaccounted for account data for household accounts, unreported for entrusted loan business, omission or error in key and reportable fields, and was fined 2.7 million yuan.
Agricultural Bank due to serious under-reporting of capital transaction information, under-reporting of credit asset transfer business, under-reporting of trade financing business, unaccounted for account breakdown details, account split The account data should be reported as unreported, critical, and underreported fields or errors reported, and was fined 2.3 million yuan.
The Bank of China has missed reports on the number of wealth management products, serious underreporting of capital transaction information, underreporting of trade financing business, unreported account breakdown records, and account breakdown Account data should be reported as unreported, critical, and reportable fields were missed or incorrectly reported, and were fined 2.7 million yuan.
CCB has serious underreporting of capital transaction information, underreporting of credit asset transfer business, underreporting of bank acceptance bill business, underreporting and misreporting of trade financing business, and account splitting The account detail records should be reported as unreported, the account data of the household account should be reported as unreported, key and reportable fields were missed or incorrectly reported, and was fined 2.3 million yuan.
Bank of Communications missed reporting due to the number of wealth management products and funds trading informationSevere, underreporting of trade financing business, underreporting of credit business guarantee contract, non-reporting of account details of household account, non-reporting of account account data of household account; Ten thousand yuan.
Postal Savings Bank failed to report due to serious under-reporting of capital transaction information, under-reporting or misreporting of loan write-off business, under-reporting of trade financing business, and detailed records of household account details Reporting and sub-account account data should be reported unreported, misreported general ledger accounting data, key and reportable fields missed or incorrectly reported, and was fined 1.9 million yuan.
CITIC Bank failed to report due to the number of wealth management products missed, credit asset transfer business missed, trade finance business missed, account breakdown details report unreported, account split Account data should be reported as unreported, critical, and reportable fields were missed or incorrectly filled, and fined 1.6 million yuan.
Everbright Bank missed or reported errors due to sub-account detail records, critical and reportable fields, and provided materials and accounts that were inconsistent with the facts to the inspection team The setting cannot faithfully reflect the actual business, and was fined 1.6 million yuan.
In addition, the Agricultural Bank of China also failed to fulfill its duties due to the management of the “two sessions and one floor” overseas institutions, the country risk management did not meet the regulatory requirements, and the credit funds were diverted as a security deposit. Failure to include group members into the unified credit management of group customers led the second fine, and was fined 2 million yuan.