中国银行分支机构违规被处罚数据

随着金融风险防范化解攻坚战的深入推进，我国对银行等金融行业的监管日趋严格。自2018年3月，中国银行业监督管理委员会和中国保险监督管理委员会职责整合，组建中国银行保险监督管理委员会，全国银行业开始接受中国银保监会的监督管理。对于银行业不合规不合法的行为，中国银保监会可依法依规作出行政处罚，并将处罚结果公布于中国银保监会官网，从中我们不仅能看到相关部门对银行业监管处罚的重点领域和处罚力度，还可以通过各地各银行的违规处罚事项，分析评估银行的风险及其相应的风控机制建设。由此，相关数据资料成为研究银行业风险及其监管的重要资源。  相关的行政处罚依据包括：《中华人民共和国中国人民银行法》《中华人民共和国证券法》《中华人民共和国银行业监督管理法》《中华人民共和国外资银行管理条例》《中华人民共和国商业银行法》《中华人民共和国保险法》这六项法律法规和多项其他规章及规范性文件。

Against the backdrop of the in-depth advancement of the critical battle to prevent and defuse financial risks, China has implemented increasingly stringent supervision over the financial industry, including the banking sector. Since March 2018, the functions of the China Banking Regulatory Commission (CBRC) and the China Insurance Regulatory Commission (CIRC) have been merged to establish the China Banking and Insurance Regulatory Commission (CBIRC), and the national banking industry has since been placed under the supervision and administration of CBIRC. For any non-compliant or illegal acts committed by banking institutions, CBIRC may impose administrative penalties in accordance with laws and regulations, and publish the penalty outcomes on its official website. By analyzing these penalty records, stakeholders can not only identify the key areas and intensity of regulatory penalties imposed on the banking sector by relevant authorities, but also evaluate the risks of individual banks and the development of their corresponding risk management mechanisms by reviewing violation penalty items across banks in different regions. Consequently, the relevant data and materials have become a critical resource for research on banking risks and their supervision.

The legal basis for the aforementioned administrative penalties includes the following six laws and regulations, along with multiple other rules and normative documents: the Law of the People's Republic of China on the People's Bank of China, the Securities Law of the People's Republic of China, the Banking Supervision Law of the People's Republic of China, the Regulations on the Administration of Foreign-funded Banks of the People's Republic of China, the Commercial Bank Law of the People's Republic of China, and the Insurance Law of the People's Republic of China.

搜集汇总

背景与挑战

背景概述

该数据集收录了2004年至2020年间中国银保监会（及其前身）对银行分支机构违规行为作出的行政处罚信息，涵盖被处罚银行名称、处罚日期、违法违规事实、处罚依据、罚款金额等详细字段，并特别整合了银行经纬度数据以支持空间分析。数据集主要用于研究银行业监管、风险防控及违规行为模式，具有时间跨度长、信息全面且包含地理信息的特点。