机构主要股东、实控人将被纳入银行业监管

Core Viewpoint - The article discusses the significant revisions to the Banking Supervision Law, which aims to address the evolving internal and external environments of the banking industry, enhance regulatory effectiveness, and fill existing regulatory gaps [2]. Group 1: Strengthening Shareholder and Actual Controller Supervision - The revised draft expands the regulatory scope to include major shareholders and actual controllers, establishing a comprehensive regulatory framework that covers pre-approval, ongoing monitoring, and post-event oversight [3][4]. - New requirements for major shareholders and actual controllers include document submission and equity disclosure, aimed at combating illegal related transactions and capital withdrawal [3][4]. Group 2: Improving Risk Disposal and Market Exit Mechanisms - The revised draft emphasizes the systematic improvement of risk disposal mechanisms, establishing early correction measures and flexible disposal methods based on institutional risk status [5]. - It introduces a restructuring mechanism and clarifies the responsibilities of takeover teams, enhancing the predictability and standardization of disposal methods [5]. Group 3: Enhancing Consumer Protection - The revised draft establishes a regulatory framework for consumer rights protection, mandating the supervision of consumer protection efforts by banking institutions and the establishment of dispute resolution organizations [6][7]. - It specifies prohibited behaviors for banking personnel, such as false advertising and illegal fees, to safeguard consumer interests [7]. Group 4: Implementing Stronger Regulatory Measures - The revised draft aims to increase the deterrent effect of administrative penalties by raising fines and expanding the scope of legal responsibility to include key individuals and behaviors that threaten financial stability [8]. - It emphasizes the principle of confiscating illegal gains alongside fines, significantly increasing the penalties for violations [8].