强化金融监管须敢于亮剑

Core Points - The recent penalties imposed by the Beijing Regulatory Bureau of the National Financial Supervision Administration highlight the serious violations by commercial banks regarding the "three checks" in loan management [1][2] - The "three checks" refer to pre-loan investigation, in-loan review, and post-loan inspection, which are crucial for ensuring the safety of credit funds and maintaining financial stability [1][2] - The financial regulatory authority has emphasized strict enforcement and comprehensive supervision to mitigate financial risks and guide financial resources towards the real economy [1][3] Summary by Sections Loan Management Violations - Commercial banks have been penalized for failing to adhere to the "three checks" process, which is essential for safeguarding deposit security and financial stability [1][2] - The penalties reflect a broader effort to strengthen regulatory oversight and prevent financial risks [1][3] Importance of "Three Checks" - The "three checks" process is vital for the entire credit management system, ensuring that loan funds are allocated safely and effectively [1][2] - Banks conduct pre-loan investigations to assess borrowers' capabilities, which helps in making informed lending decisions [1][2] Regulatory Measures - The financial management department has enhanced its regulatory framework, focusing on five key areas: institutional, behavioral, functional, penetrating, and continuous supervision [3] - Recent legislative progress includes the draft revision of the Banking Supervision Law, aimed at improving regulatory effectiveness and addressing significant financial risks [3]