盯住“关键人”！银监法修订草案公开

Core Viewpoint - The draft amendment to the Banking Supervision Law aims to address regulatory gaps and risk points in the banking sector by expanding the regulatory scope to include new types of licensed financial institutions and enhancing oversight of major shareholders and actual controllers [1][2]. Regulatory Scope Expansion - The draft amendment includes financial holding companies, wealth management companies, and consumer finance companies under its regulatory framework, thereby unifying regulatory standards and eliminating disputes regarding applicability [2][3]. - It extends supervision to major shareholders and actual controllers to combat issues such as improper control and related-party transactions that have led to significant risks in the banking sector [2][3]. Risk Management and Resolution - The amendment improves the risk resolution framework by introducing new measures for restructuring and takeover, clarifying the conditions and procedures for these actions, and establishing a mechanism for early corrective actions [4]. - It mandates the establishment of a system for handling banking emergencies, requiring collaboration among various governmental departments to ensure timely and effective responses to banking crises [4]. Consumer Protection - The draft emphasizes the protection of consumer rights by defining the supervisory responsibilities of financial regulatory bodies in this area, including the establishment of dispute resolution organizations and prohibiting misleading advertising and illegal fees [5]. - It also increases penalties for violations, broadening the scope of accountability to include employees, major shareholders, and actual controllers, thereby addressing the issue of low deterrent effects from past penalties [5].