加大监管力度，显著提高违法成本！这一草案公开征求意见

Core Viewpoint - The revision of the Banking Supervision Law aims to enhance regulatory effectiveness and address the complexities and risks faced by the banking industry, reflecting significant changes in the internal and external environment over the past two decades [1][3]. Regulatory Enhancements - The revision extends the regulatory chain to include major shareholders and actual controllers, establishing a comprehensive regulatory framework that covers preemptive, ongoing, and post-event supervision [2][3]. - It emphasizes the need for a systematic arrangement for risk disposal, allowing regulatory authorities to adopt flexible measures based on the risk status of institutions and market conditions [2][4]. Consumer Protection - The revision clarifies the supervisory role of the State Council's banking regulatory authority in consumer rights protection, guiding the establishment of consumer dispute mediation organizations [4][6]. - It details the obligations of banking institutions regarding consumer protection, prohibiting false advertising and illegal charges to foster a fair market environment [4][5]. Strengthening Penalties - The revision focuses on increasing the deterrent effect of administrative penalties by enhancing the penalties for key individuals and behaviors that pose significant financial risks [5][7]. - It introduces stricter rules for administrative penalties, including the confiscation of illegal gains and increased fines, to ensure compliance and elevate the cost of financial misconduct [5][7]. Comprehensive Regulatory Framework - The revision aims to solidify effective practices from years of regulatory experience into legal frameworks, ensuring a more complete regulatory focus that includes not just licensed institutions but also key relationships and processes that underpin their operations [6][7]. - It seeks to integrate risk sources and transmission chains into the governance framework, covering the entire spectrum from funding to consumer interactions [6][7].