强化风险防控 商业银行托管业务迎来监管新规

Core Viewpoint - The implementation of the new regulatory framework for commercial bank custody services aims to enhance risk management, improve service capabilities, and ensure compliance within the industry, addressing long-standing issues of unclear responsibilities and risk control standards [1][3]. Group 1: Regulatory Framework - The National Financial Regulatory Administration has issued the "Supervision and Management Measures for Commercial Bank Custody Business (Trial)" which will take effect on February 1, 2026, with a three-year transition period for existing businesses [1]. - The new measures require banks to identify and assess risks accurately, strengthen risk management systems, and enhance the independence of custody services [1][3]. Group 2: Service Specifications - The measures specify seven basic services that commercial banks can provide, including account opening, asset custody, clearing and settlement, accounting, asset valuation, information disclosure, and investment supervision [2]. - Banks must sign custody contracts that clearly outline compliance, risk disclosure, and the rights and obligations of all parties involved [2]. Group 3: Risk Management and Responsibilities - The new regulations introduce eight prohibited responsibilities and actions for banks in custody operations, aiming to clarify responsibilities and prevent excessive risk-taking [4]. - Prohibitions include providing liquidity support or financing commitments for custody products, which helps to establish a clear boundary between bank responsibilities and product risks [5]. Group 4: Transition and Compliance - A three-year transition period is set for existing businesses to comply with the new regulations, requiring banks to classify asset risks and make necessary provisions [6]. - Banks are advised to conduct a comprehensive review of existing businesses, update internal procedures, and enhance monitoring systems to align with the new regulations [6].