三类银行与第三方合作业务进入强监管周期 风险防控成核心目标

Core Viewpoint - The introduction of the new regulatory framework marks a significant shift towards comprehensive and systematic management of third-party collaborations by banks, aiming to enhance risk control and ensure accountability in the banking sector [1][7]. Group 1: Regulatory Framework - The new regulation, titled "Notice on Strengthening the Management of Cooperative Institutions by Joint-stock Banks and Other Three Types of Banks," aims to clarify the responsibilities and boundaries between banks and third-party institutions [2][3]. - The regulation establishes a rigorous lifecycle management system for cooperative institutions, including strict entry, evaluation, and exit mechanisms to enhance risk management [2][3]. - Banks are required to implement a unified due diligence and approval system for selecting cooperative institutions, ensuring a more cautious approach to avoid high-risk partnerships [2][3]. Group 2: Risk Management - The regulation emphasizes the need for banks to incorporate cooperative business into their overall risk management framework, utilizing financial technology for comprehensive risk monitoring [4]. - A dynamic evaluation and exit mechanism is mandated, requiring banks to conduct regular assessments of cooperative institutions and enforce strict exit protocols for those that fail to meet standards [3][4]. - The regulation aims to prevent the outsourcing of core risk management functions, ensuring that banks maintain independent control over critical processes such as credit approval and contract signing [3]. Group 3: Consumer Protection - The regulation includes provisions to protect consumer rights, prohibiting banks from collaborating with illegal intermediaries and ensuring transparency in marketing practices [5]. - Banks must establish strict guidelines for collection practices, banning violent collection methods and unauthorized third-party involvement to safeguard consumer information [5]. Group 4: Regulatory Efficiency - The regulatory framework promotes a collaborative approach among various regulatory bodies to enhance oversight and accountability in the banking sector [6]. - A dual approach of off-site supervision and on-site inspections is emphasized to ensure effective monitoring of cooperative institution management [6]. - The regulation aims to fill gaps in oversight by fostering information sharing and joint enforcement among different regulatory agencies [6]. Group 5: Future Implications - The new regulations are expected to reshape the relationship between banks and third-party institutions, transitioning from unregulated growth to a more structured and compliant partnership model [7]. - The ultimate goal is to create a transparent and robust financial ecosystem that prioritizes the needs of the real economy and consumers, while balancing compliance and innovation [7].