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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

一 |     At more than 1,500 meters above sea level, Tianmen Mountain in central China's Zhangjiajie offers summer temperatures of just 22 to 26 degrees Celsius, drawing a steady stream of visitors.
Among them are growing numbers of European travelers, like Italian Giancarlo Marino. Escaping the relentless summer heat in his hometown, he traveled to China with friends in search of cooler weather.
"Here you can feel the breeze, and while you're resting up on the mountain, you can even buy ice-cold drinks from the many vendors. It's thoughtful and relaxing," he said.
As extremely high temperatures grip many parts of the world this summer, China is emerging as an unexpected destination to avoid the soaring temperatures. With more convenient entry policies and a host of tourism-friendly measures, the country is drawing international visitors in surprising new ways.
NICHE ATTRACTIONS
Jizhou District in north China's Tianjin Municipality is usually known among Beijing residents as a weekend escape. Few would expect to encounter overseas tourists there, let alone visitors from Argentina.
Argentine traveler Michael visited Jizhou during his trip to China to enjoy the mountain scenery around the Huangyaguan section of the Great Wall.
For him, the "coolness" of Jizhou was not just about the pleasant temperature, but also about immersing himself in nature and experiencing rural life.
"The environment here is beautiful, and you can even see the Great Wall from the guesthouse," he said.
Local guesthouse owner Zhang Wei has noticed a growing number of foreign visitors seeking a deeper understanding of local life instead of simply checking off famous attractions.
"We've lately seen a clear increase in overseas guests. Many like to combine countryside experiences with natural scenery, allowing them to experience China in a more in-depth way," Zhang said.
Dutch tourist Noa is another traveler seeking out niche experiences. On a recent independent trip to Nanjing in east China's Jiangsu Province, Noa and friends made a point of visiting local produce markets and public parks, including matchmaking corners where parents gather to find partners for their children, to observe daily life up close.
"Many of the vegetables here are things I've never seen back home. It's really interesting," Noa said.
China's rapid economic and social development is also reshaping inbound tourism. Slovenian tourist Rainer Grega, visiting China for the first time, said he hopes to tour major Chinese technology companies.
"Many Chinese companies and brands are well-known overseas, so I'm really looking forward to visiting the headquarters of some of them. It would be fascinating to tour an electric-vehicle factory or see how those advanced robots are manufactured," he said.
According to a representative of a Suzhou-based international travel agency, foreign visitors are increasingly planning multi-city itineraries, while younger independent travelers, trips to smaller cities and rural areas, and longer stays have all become notable trends.
"Nowadays, many foreign visitors venture into city neighborhoods and rural villages to experience authentic Chinese life. From vibrant urban nightlife to rural revitalization, a vivid, multi-dimensional China is being increasingly shared with the world," said Wu Guoping, president of the Wuxi Tourism Association.
MORE OPEN STANCE
For many overseas visitors, China's increasingly convenient entry policies have provided an important guarantee for more flexible and in-depth travel.
China currently offers unilateral visa-free entry to nationals of 50 countries, including Slovenia and Italy.
"Thanks to the 30-day visa-free policy, you can come whenever you want -- just book a flight and go," Grega said. He added that transfers between airports and high-speed rail stations were seamless, making detailed travel planning largely unnecessary.
Marino echoed the view, saying the visa-free policy was a major reason for choosing China.
"It feels like the policy is becoming more and more foreigner-friendly. You can tell that China is opening its arms and genuinely welcoming more people to visit and learn about the country," he said.
Data from the National Immigration Administration (NIA) showed that China recorded 22.91 million inbound foreign visits in the first half of this year, up 20.4 percent year on year. Of those, 77.7 percent were made under visa-free entry facilitation policies.
China is also expanding the coverage of its 240-hour visa-free transit policy. According to an NIA announcement released on Aug. 20, citizens of Kyrgyzstan and Vietnam became eligible for the 240-hour visa-free transit policy and the 30-day visa-free entry policy for Hainan Province starting Aug. 20. The move increased the number of countries covered by the 240-hour visa-free transit policy to 57.
Vietnamese student Do Thi Huyen My, now in her second year at Hainan University, happily welcomed the new policy.
"I think the policy will definitely attract more Vietnamese tourists to China, especially to Hainan," she said.
"For me personally, it also means my family can visit me in Hainan more conveniently while enjoying a vacation here. By the time I graduate, my parents, relatives and friends will also be able to attend my graduation ceremony without going through complicated visa procedures," My said.
REFINED SERVICES MATTER
As inbound visitors become increasingly diverse and venture beyond traditional destinations, new opportunities have emerged for China's tourism industry, alongside higher expectations for service quality.
The city of Suzhou in Jiangsu Province, for instance, recently introduced a package of incentive measures to boost inbound tourism, offering rewards to travel agencies and online travel platforms that manage to organize overnight stays for foreign tourists and expatriates, or arrange one-day tours, with the annual reward up to 3 million yuan (about 442,000 U.S. dollars). Senior tour guides who manage to cultivate or recruit foreign-language guides are also eligible for incentives.
However, experts warned that feedback from some foreign visitors suggests that information access and language services remain weak links amid the boom of inbound tourism, which underscores the need to improve tourism services for international guests.
Wu Guoping suggested building a more comprehensive support system by developing multilingual digital platforms that seamlessly connect transportation, accommodation, dining, shopping and attractions, making travel planning and consumption more convenient.
To that end, Shanghai has recently launched a type of integrated smart tourism service kiosk that combines abundant online and offline resources.
Resembling a telephone booth, the facility provides access to 14,000 ticketing and shopping links, more than 20,000 dining venues and over 7,500 hotels and guesthouses. Powered by an AI travel assistant, it offers personalized recommendations, real-time interpretation and AI-generated travel journals. Its foreign bank card payment system supports 10 languages and more than 120 currencies.
Zhangjiajie is also improving services to match its surging international guests. From January to July this year, the city received 860,700 inbound visitors from 195 countries and regions, up 19.01 percent year on year. Tourism foreign exchange revenue reached 98.52 million U.S. dollars, an increase of 40.52 percent.
Despite the rapid growth, a previous survey in the Wulingyuan Scenic Area found that fewer than one-third of frontline staff could communicate proficiently in a foreign language.
The scenic area has since partnered with local universities to compile English-, Korean- and other foreign-language learning handbooks, while organizing evening classes for tourism workers.
Chen Heng, a 52-year-old publicity officer and one of the evening school participants, has even purchased language-learning software at his own expense and practices English pronunciation by reading aloud with a chopstick in his mouth.
"Zhangjiajie boasts world-class natural scenery. Our service quality has to keep pace as well," he said.
。    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。　　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。罚单整体呈现“数量下降、金额上升”的特征，且“双罚”常态化。

二 | 　　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。

三 | 　　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。

四 | 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。

五 | 　　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。

六 | 　　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。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”。

七 | 　　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。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。

八 | 　　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。

九 | 　　整体来看，2026年银行监管处罚延续高压态势。

十 | 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。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。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。

十一 | 责任编辑：曹睿潼。

十二 |

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Published on:07:42:09