银监法修订草案公开征求意见

Core Viewpoint - The revised draft of the Banking Supervision Law aims to enhance regulatory frameworks and address existing gaps in supervision, focusing on comprehensive oversight of financial institutions and their stakeholders [1][2]. Group 1: Regulatory Enhancements - The revised draft expands the regulatory scope to include new types of financial institutions such as financial holding companies and consumer finance companies, aligning legal applicability with the current licensing system [2]. - It emphasizes the need for "penetrating supervision" by extending oversight to major shareholders and actual controllers of banking institutions, addressing risks stemming from improper shareholder interventions and related party transactions [2][3]. Group 2: Risk Management and Resolution - The draft establishes a framework for early corrective measures and risk resolution, allowing regulatory authorities to take proactive actions against financial institutions exhibiting risk indicators [4]. - It introduces specific measures for institutions violating prudent operational rules, including restrictions on business operations and requirements for capital replenishment from major shareholders [4][5]. Group 3: Consumer Protection and Penalties - The revised draft includes provisions to strengthen consumer rights protection within the banking sector, detailing the obligations of financial institutions towards consumers [5]. - It significantly increases penalties for violations, aligning with the new Administrative Penalty Law, and introduces a principle of confiscating illegal gains alongside fines [5].