金融监管总局发布新规！

Core Viewpoint - The Financial Regulatory Bureau has officially released the "Supervision and Management Measures for Custody Business of Commercial Banks (Trial)" to strengthen the supervision of custody business and promote its standardized and healthy development [1][3]. Group 1: Overview of the Measures - The Measures consist of five chapters and 49 articles, covering general principles, custody responsibilities, management requirements, supervision and legal responsibilities, and supplementary provisions [1]. - The Measures clarify the concept and basic principles of custody business for commercial banks [1]. - It specifies the responsibilities that commercial banks must undertake when conducting custody business, emphasizing the accountability of custodians [1]. Group 2: Management and Supervision Requirements - The Measures establish basic management requirements for custody business, mandating the establishment of a sound governance structure [1]. - It outlines the supervisory responsibilities of regulatory authorities regarding the custody business of commercial banks and the legal liabilities involved [1]. - The Measures also detail the internal management requirements for custody business and reinforce continuous supervision, regulatory penalties, data reporting, and self-regulatory arrangements [1]. Group 3: Prohibited Responsibilities and Actions - To address unclear boundaries of responsibilities leading to excessive risk-taking, the Measures list prohibited responsibilities and actions for commercial banks in custody business [2]. - Prohibitions include assuming credit risk, market risk, providing guarantees, and participating in investment decision-making for custody products [2]. - The Measures aim to ensure that commercial banks do not mix custody product assets with other assets and maintain clear operational boundaries [2]. Group 4: Importance and Future Directions - The custody business of commercial banks plays a crucial role in enhancing market supervision, standardizing investment operations, and preventing moral hazards [3]. - The implementation of the Measures is expected to fill the regulatory gaps in the custody business and promote high-quality development [3]. - The Financial Regulatory Bureau will continue to supervise commercial banks to improve their management and risk prevention capabilities, ensuring the custody business develops in a standardized and healthy manner [3].