The administrative punishment decision (hyjjjzz [2021] No. 43) published on the website of the CBRC yesterday shows that Xiamen Rural Commercial Bank Co., Ltd. has illegal facts that the borrower's violation of the loan contract should be found but not found, and the post loan management of some loans is not in place. In accordance with articles 46 and 48 of the banking regulatory law of the people's Republic of China, the Xiamen regulatory bureau of the China Banking and Insurance Regulatory Commission imposed a fine of 800000 yuan on Xiamen Rural Commercial Bank Co., Ltd. and gave LV Xiaojun a warning.
Article 46 of the banking regulatory law of the people's Republic of China: if a banking financial institution is under any of the following circumstances, the banking regulatory authority under the State Council shall order it to make corrections and impose a fine of not less than 200000 yuan but not more than 500000 yuan; If the circumstances are particularly serious or if it fails to make corrections within the time limit, it may be ordered to suspend business for rectification or its business license may be revoked; If a crime is constituted, criminal responsibility shall be investigated according to law:
（1） Appointing directors and senior managers without qualification examination;
（2） Refusing or hindering off-site supervision or on-site inspection;
（3） Providing false statements, reports and other documents and materials or concealing important facts;
（4） Failing to disclose information in accordance with regulations;
（5） Seriously violating the prudent operation rules;
（6） Refusing to implement the measures prescribed in Article 37 of this law.
Article 48 of the banking supervision and administration law of the people's Republic of China: if a banking financial institution violates laws, administrative regulations and the relevant provisions of the state on banking supervision and administration, the banking supervision and administration institution may, in addition to punishing it in accordance with the provisions of articles 44 to 47 of this law, take the following measures according to different circumstances:
（1） Order banking financial institutions to impose disciplinary sanctions on the directors, senior managers and other persons directly responsible;
（2） If the act of a banking financial institution does not constitute a crime, the directors, senior managers and other persons directly responsible shall be given a warning and fined not less than 50000 yuan but not more than 500000 yuan;
（3） The directors and senior managers directly responsible shall be disqualified for a certain period of time until life, and the directors, senior managers and other persons directly responsible shall be prohibited from engaging in banking work for a certain period of time until life.
the following is the original text:
(China Economic Net)
