Recently, the Central Bank of China''s Guiyang Center has issued administrative penalties. The Bank of Guiyang’s money and credit business has violated Article 77 of the Commercial Banking Act, failing to deposit at the rate prescribed by the People’s Bank of China; the Bank of Guiyang was then fined RMB 400,000. This is not the first time the bank has been fined; it has already been fined three times in 2017. Judging from the financial indicators of the Bank of Guiyang in the past three years, five of the seven profitability indicators in 2017 have declined. In the first quarter of 2018, the non-performing loan ratio of Bank of Guiyang was 1.51%, an increase of 0.17% from the beginning of the year. All this implies that the Bank of Guiyang might be having even more risks in its operations.