银监法迎20年来最大修订！主要股东、实控人被纳入监管

Core Viewpoint - The draft amendment to the Banking Supervision and Administration Law significantly expands the regulatory framework, increasing the number of articles from 52 to 80, and extends supervision to major shareholders and actual controllers of banking institutions [1][3][10] Group 1: Regulatory Expansion - The draft amendment includes provisions for penetrating supervision of major shareholders and actual controllers, addressing issues such as false capital contributions and illegal asset occupation [3][4] - It establishes clear legal obligations for major shareholders and actual controllers, including compliance with governance and disclosure rules [4][5] Group 2: Risk Management Mechanisms - The draft amendment enhances the risk disposal framework, allowing for early intervention and systematic arrangements for restructuring, takeover, and revocation of banking institutions [1][6][7] - It introduces a mechanism for early intervention by the banking regulatory authority when risks are identified, with specific rectification timelines and requirements [6][7] Group 3: Consumer Protection - The draft amendment emphasizes consumer rights protection, mandating that banking institutions avoid misleading advertising and protect consumers' legal rights [9] - It aims to significantly increase the penalties for violations, aligning with the Administrative Penalty Law to enhance accountability for both institutions and individuals [9][10]