银监法修订草案新增“整顿组”！夯实早期干预手段，风险处置框架更趋系统完善

Core Viewpoint - The revised draft of the Banking Supervision Law aims to enhance risk management and regulatory measures in the banking sector, incorporating lessons from recent practices and international experiences [1][3]. Group 1: Risk Management Enhancements - The revised draft introduces an "intervention group" as a middle layer between early intervention and restructuring/takeover, creating a comprehensive risk management framework that includes restructuring, intervention, takeover, and revocation [1][2]. - Article 55 of the draft allows the banking regulatory authority to send intervention groups to monitor banks facing significant operational risks, with a six-month timeline to restore normal operations or initiate restructuring or bankruptcy proceedings [2][3]. Group 2: Regulatory Framework and Practices - The revision reflects a shift from a singular approach to risk management to a more diversified set of tools, aligning with the "14th Five-Year Plan" which emphasizes strengthening financial regulation [3][4]. - Recent data from the People's Bank of China indicates a significant reduction in high-risk small and medium-sized banks, showcasing the effectiveness of various risk management strategies, including mergers and market exits [4]. Group 3: Market-Oriented Solutions - The revised draft allows for more market-oriented solutions in the takeover process, including the delegation of management to other financial institutions and the implementation of debt-to-equity swaps [5]. - The ongoing reforms in small and medium-sized financial institutions have seen state-owned banks increasingly involved in restructuring efforts, which helps mitigate risks before they escalate to the point of requiring regulatory intervention [4][5].