将股东、实控人纳入监管范围！银行业监督管理法迎“系统升级”

Core Viewpoint - The recent draft amendment to the "Banking Supervision Law of the People's Republic of China" aims to enhance the regulatory framework for the banking industry, addressing existing gaps and improving the effectiveness of supervision [1][2][10] Regulatory Framework Enhancement - The draft amendment expands the existing law from 52 to 80 articles, focusing on comprehensive regulation across the entire banking operation chain, including market entry, ongoing supervision, risk management, and market exit [3][4] - It introduces a full-process regulatory system for shareholders and actual controllers, addressing issues such as improper interference and related party transactions [4][5] Risk Management and Response - The amendment establishes a more robust risk management framework, including early intervention mechanisms and a variety of risk disposal methods, to enhance the proactive identification and resolution of financial risks [6][7] - It emphasizes the need for a structured approach to risk disposal, allowing regulatory authorities to take flexible actions based on the risk status of financial institutions [6][7] Legal and Penalty Framework - The draft significantly increases penalties for violations, aiming to deter financial misconduct by raising the fines and expanding the scope of responsible parties to include shareholders and third-party institutions [8][9] - It also enhances consumer protection measures within the banking sector, ensuring that the rights of financial consumers are prioritized and that regulatory bodies are tasked with overseeing consumer rights [9][10] Overall Impact - Experts view the comprehensive revision of the Banking Supervision Law as a milestone in the legal construction of banking regulation in China, aimed at building a more scientific, standardized, and efficient regulatory system [10]