银监法修订草案新增“整顿组”，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, introducing a more systematic approach to risk disposal and shareholder supervision, while maintaining the overall direction established in the previous draft [1][2]. Group 1: Risk Disposal Framework - The revised draft introduces a "restructuring group" as an intermediary layer between early intervention and takeover, creating a comprehensive risk disposal framework that includes restructuring, rectification, takeover, and revocation [1]. - Article 55 of the revised draft allows the banking regulatory authority to dispatch a restructuring group to monitor the operations of financial institutions facing significant risks, with a six-month timeline to restore normal operations before further actions are taken [2]. Group 2: Financial Risk Prevention - The revised draft enriches the tools for preemptive risk management, facilitating early identification, warning, exposure, and disposal of risks, aligning with the "14th Five-Year Plan" which emphasizes strengthening financial regulation [2][3]. - The People's Bank of China reported a significant reduction in high-risk small and medium-sized banks, indicating effective risk management through various measures such as mergers and market exits [3]. Group 3: Market-Oriented Solutions - The ongoing reform of small and medium-sized financial institutions has seen increased involvement from major state-owned banks, which are acquiring and restructuring smaller banks to mitigate risks [4]. - The revised draft allows for more flexibility in market-oriented acquisitions during the takeover process, including measures for asset and liability transfers [5][6].