银行业监督管理法迎20年来最大修订！穿透式监管覆盖股东、实控人

Core Viewpoint - The draft amendment to the Banking Supervision and Administration Law, which significantly expands the regulatory framework from 52 to 80 articles, aims to enhance the supervision of the banking industry, address new challenges, and protect consumer rights [1][2]. Group 1: Regulatory Enhancements - The amendment focuses on strengthening institutional, behavioral, functional, and continuous supervision, aiming to eliminate regulatory gaps and improve the effectiveness and precision of oversight [2]. - The regulatory scope will cover the entire chain of banking operations, extending beyond licensed institutions to include key relationships and processes that underpin their operations [3]. Group 2: Inclusion of Stakeholders - The amendment extends the regulatory chain to include major shareholders and actual controllers of banking institutions, establishing a comprehensive regulatory framework that addresses potential risks from these entities [5]. - New requirements for major shareholders and actual controllers include stricter entry standards, enhanced transparency in ownership structures, and obligations related to capital contributions [6]. Group 3: Increased Penalties and Consumer Protection - The draft significantly raises the costs of violations, enhancing administrative penalties and expanding the scope of legal responsibilities to include not only institutions but also individuals such as employees and major shareholders [8]. - Specific provisions for consumer protection have been added, mandating oversight of consumer rights by the banking regulatory authority and establishing a legal basis for consumer dispute resolution [9].