投资者若要购买海外上市的杠杆或反向ETF，必须首先完成一小时的强制性在线培训课程。对于希望交 易海外衍生品的投资者，门槛更高，除了上述课程，还需完成至少三小时的模拟交易。 韩国金融监管机构正采取行动，为热衷于投资海外高风险产品的散户设置新的门槛，旨在为过热的市场 降温。 11月16日，韩国金融监督院在一份声明中宣布，从12月15日起，海外衍生品投资将被强制要求完成事前 教育与模拟交易。 市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何 意见、观点或结论是否符合其特定状况。据此投资，责任自负。 此次监管收紧的背景，是韩国散户投资者对海外杠杆ETF等高风险产品的投资热情空前高涨。 据报道，韩国散户投资者对此类产品表现出"贪婪的胃口"(voracious appetite)，这种狂热引发了监管机构 对市场稳定和投资者保护的担忧。通过强制性的事前教育和模拟交易，监管机构希望为市场降温，并确 保投资者在做出投资决策时具备必要的风险认知，从而避免因不了解产品复杂性而蒙受重大损失。 风险提示及免责条款 ...

智通财经APP获悉，11月14日，香港政府公布，香港行政长官根据《证券及期货条例》（第571章）， 再度委任梁凤仪为香港证券及期货事务监察委员会（香港证监会）行政总裁，任期两年，由2026年1月1 日至2027年12月31日。 此外，香港证监会亦积极推动资产及财富管理、固定收益及货币市场，以及数字资产等新兴领域的发 展，助推香港金融服务的创新和高质量发展。陈茂波深信，梁凤仪女士将继续带领香港证监会积极作 为，为巩固和提升香港国际金融中心的功能和地位作出更大贡献。 据悉，梁凤仪于2015年3月加入香港证监会，先后获委任为投资产品部和中介机构部的执行董事，及于 2018年3月至2022年12月期间兼任副行政总裁。她自2023年1月起出任香港证监会行政总裁。在加入香港 证监会之前，梁凤仪女士于1994年至2008年期间在香港金融管理局工作，并于2008年8月至2013年12月 期间出任香港财经事务及库务局副局长。 就这项任命，香港财政司司长陈茂波表示，梁凤仪女士在任内带领香港证监会公正、高效和稳健地履行 其稳慎监管与促进市场发展的双重使命，表现出色。在她的领导下，香港证监会与市场、香港特区政府 以及海内外的监管机构 ...

Core Insights - The Shandong provincial government is promoting high-quality financial development during the "14th Five-Year Plan" period, highlighting significant achievements in the financial sector over the past five years [1][2]. Financial Growth and Support - Shandong's financial sector has experienced rapid growth, with the total social financing scale exceeding 25 trillion yuan, marking a continuous increase above the national level for 25 consecutive quarters [3]. - The balance of loans in both domestic and foreign currencies reached 15 trillion yuan, achieving the main goals of the "14th Five-Year Plan" ahead of schedule [3]. - The average interest rate for newly issued corporate loans decreased by 1.06 percentage points, while the interest rate for small and micro enterprises dropped by 1.82 percentage points, alleviating the financial burden on the real economy [3]. - The province has 430 listed companies with a total market value of 4.8 trillion yuan, including eight companies valued over 100 billion yuan [3]. - The regional equity market has facilitated financing of 246.42 billion yuan for 8,662 listed companies, and the bond market has expanded significantly, with exchange-traded bond balances surpassing 1 trillion yuan [3]. Service Mechanism and Resource Allocation - Shandong emphasizes the alignment of financial supply and demand, enhancing collaboration between central and local financial institutions to drive financial innovation based on the needs of the real economy [4]. - The province secured 864.45 billion yuan in funding for key areas such as technological innovation and rural revitalization through partnerships with central financial institutions [4]. - Initiatives like "Lü Trade Loan" have supported foreign trade enterprises with over 1.95 trillion yuan, while 343 cultural and tourism projects received 37.8 billion yuan in financing [4]. Reform and Innovation - The Shandong financial system is focusing on enhancing political leadership and the people's nature of financial work, with state-owned financial institutions playing a crucial role in supporting the real economy [5]. - Local financial institutions are developing specialized operations, with significant reforms seen in institutions like Hengfeng Bank and the establishment of new entities like Debon Securities [5]. - The Jinan Science and Technology Innovation Financial Reform Pilot Zone reported a 176.7% increase in loans to innovative enterprises, reaching 303.98 billion yuan [5]. Financial Regulation and Risk Management - Shandong is implementing an integrated local financial regulatory framework to enhance oversight and improve the quality and efficiency of local financial organizations [6]. - A robust risk prevention and resolution system is in place, focusing on combating illegal financial activities and managing risks in local small and medium-sized financial institutions [6]. Future Directions - The Shandong financial system aims to deepen reforms and better coordinate high-quality development with high-level safety, contributing to national modernization and the revitalization of the nation [7].

Group 1 - The "14th Five-Year Plan" period is crucial for the high-quality development of finance in Shandong, with significant growth in financial volume and social financing scale exceeding 25 trillion yuan this year [1] - The average interest rate for newly issued corporate loans has decreased by 1.06 percentage points, benefiting the real economy, particularly small and micro enterprises [1] - The number of listed companies in Shandong has reached 430, with a total market value of 4.8 trillion yuan, indicating improved quality and activity in the regional equity market [1] Group 2 - Over 580 billion yuan of long-term funds have been attracted to Shandong, focusing on major strategies and key areas, enhancing financial services for the real economy [2] - The province has implemented various financial support policies, providing over 1.95 trillion yuan in financial assistance to foreign trade enterprises [2] - The "14th Five-Year Plan" has seen a focus on deepening reforms and enhancing financial innovation, with state-owned financial institutions playing a key role [2] Group 3 - Local financial institutions are developing specialized operations, with significant growth in loans for high-tech industries, reflecting a commitment to high-quality economic development [3] - The establishment of financial reform pilot zones has led to a 176.7% increase in loans for innovative enterprises in Jinan [3] - A comprehensive financial regulatory framework has been implemented to ensure consistent oversight across local financial businesses [3] Group 4 - A risk prevention and resolution system has been established to combat illegal financial activities and manage debt risks of key enterprises [4] - Continuous monitoring and risk assessment are being conducted to maintain financial order and social stability [4]

Core Points - The Financial Regulatory Administration's Director Wang Shengbang announced that the revised "Banking Supervision Law of the People's Republic of China" has been submitted to the National People's Congress for review, with hopes for a smooth transition into formal deliberation [1] - The law aims to enhance the stability of banking financial institutions, combat illegal financial activities, and protect the legal rights of financial consumers [1] - The government emphasizes the importance of a sound management system to prevent financial risks and promote the healthy development of the banking industry [1] Group 1 - The revised Banking Supervision Law was discussed and approved in principle during a State Council meeting on September 19, 2023 [1] - The law will include provisions to encourage financial institutions and personnel to adhere to legal standards and practices [1] - The law aims to ensure the stability of the financial system and the safety of public assets [1] Group 2 - The Financial Regulatory Administration plans to release a new revised "Commercial Bank Mergers and Acquisitions Loan Management Measures" to support mergers, restructuring, and transformation of various enterprises, including technology innovation companies [2] - There is ongoing collaboration with other departments to develop policies that promote high-quality development of technology insurance, providing better economic support for innovation activities [2]

人民财讯11月13日电，11月13日，诺贝尔经济学奖得主迈克尔.斯宾塞(Michael Spence)在太湖世界文化 论坛.钱塘对话上表示，美国金融体系内部存在一些风险：所谓的"比特币经济"正在增长，相关监管政 策正在完善，但监管可能落后于现实；在银行业之外，私人债务正在增长，而且似乎不受监管。"现在 没有人表示美国正在积累某种巨大的风险，但如果监管框架始终严重落后于金融部门的'创新'速度，我 们确实有理由担忧。"斯宾塞说。 ...

浙江瑞安农村商业银行存在违规设立存贷款考核指标、统计数据不准确等违法违规问题，被 国家金融监督管理总局温州监管分局给予 165 万元罚款，并对相关责任人万某给予警告处 罚。 浙江乐清农村商业银行则因存在贷款 " 三查 " 不到位，导致信贷资金被挪用、贷款五级分类 不准确等违法违规问题，被国家金融监督管理总局温州监管分局罚款 360 万元，是本批罚单 中被罚金额最高的金融机构。 | 序号 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | 1 | 浙江永嘉农村 商业银行股份 | 位;统计数据不真 | 对浙江永嘉农 村商业银行股 份有限公司罚 款人民币180 | 国家金融监督 管理总局温州 | | | | 员工行为管理不到 | | | | | 有限公司及相 | 或能。 | 万元;对袁志 | 监管分局 | | | 关责任人 | | 鹏警告,并处 | | | | | | 罚款人民币5 | | | | | | 力元。 | | | 2 | 商业银行股份 | | 对浙江瑞安农 村商业银行股 份有限公司罚 | 国家金融监督 管理总局 ...

据中国人民银行官网，2025年11月7日，第三次中瑞部级金融会议在瑞士伯尔尼举行。中国人民银行副行长宣昌能与瑞士联邦财政部国务秘书斯托菲尔共同 主持会议。中国人民银行、国家金融监管总局、中国证监会、国家外汇管理局和瑞士联邦财政部、瑞士国家银行、瑞士金融市场监管局参会。双方围绕经济 金融形势、全球金融治理、双边金融监管合作、本币合作、金融市场互联互通、数字创新和可持续金融等议题进行了深入交流。中方还向瑞方介绍了二十届 四中全会精神和"十五五"规划的主要内容。（新华财经） 国家统计局9日发布数据显示，10月份，扩内需等政策措施持续显效，叠加国庆中秋假期带动，全国居民消费价格指数（CPI）环比上涨0.2%，同比上涨 0.2%，扣除食品和能源价格的核心CPI同比上涨1.2%，涨幅连续第6个月扩大。受国内部分行业供需关系改善、国际大宗商品价格传导等因素影响，工业生 产者出厂价格指数（PPI）环比由上月持平转为上涨0.1%，为年内首次上涨；同比下降2.1%，降幅比上月收窄0.2个百分点，连续第3个月收窄。（新华财 经） 商务部新闻发言人9日就欧方关于安世半导体问题的声明答记者问时表示，欢迎欧方继续发挥影响力，促荷方尽快纠 ...

【导读】国家金融监督管理总局发布通知，授权调整部分行政许可及报告事项监管层级 金融监管总局，最新通知来了！ 11月5日，国家金融监督管理总局官网显示，金融监管总局发布《关于授权调整部分行政许可及报告事项监管层级的通知》（以下简称《通知》）。 为进一步优化行政许可事项分级分类授权，充分发挥金融监管支局贴身监管优势，推动金融监管总局四级垂管体系不断凝聚"强监管"合力，金融监管总局 在广泛征求意见的基础上，制定发布了《通知》。 《通知》明确，各金融监管局可结合辖区实际情况，在确保监管工作质效的前提下，将辖内中资商业银行分支机构名称变更、辖内保险公司分支机构变更 营业场所等2项行政许可事项，辖内中资商业银行、农村中小银行、保险公司分支机构以及保险兼业代理机构部分变更及人员任职等4类报告事项的监管层 级下放至金融监管支局。金融监管支局承接相关行政许可及报告事项后，一并负责与之相应的许可证制发与管理。 下一步，金融监管总局将持续监测下放事权的运行情况并进行动态调整，确保对银行保险机构的服务质效不减，不断提升市场准入工作的规范性、有效 性。 近期，金融监管总局在行政许可实施程序方面持续完善优化。10月30日，金融监管总局就 ...

Core Viewpoint - The National Financial Supervision Administration has issued a notification to adjust the regulatory levels of certain administrative licensing and reporting matters, aiming to optimize the administrative licensing process and enhance regulatory efficiency [1][3]. Group 1: Notification Details - The notification allows financial regulatory bureaus to delegate certain administrative licensing and reporting matters to financial regulatory branches, ensuring regulatory quality and effectiveness [3][4]. - Specific administrative licensing matters that can be handled by financial regulatory branches include changes in the names of domestic commercial bank branches and changes in the business locations of insurance company branches [7][9]. - The notification outlines various reporting matters that can be managed by financial regulatory branches, including changes in business locations, personnel appointments, and other operational adjustments for banks and insurance companies [8][9]. Group 2: Implementation and Monitoring - The National Financial Supervision Administration will continuously monitor the implementation of delegated powers and make dynamic adjustments to ensure service quality for banking and insurance institutions remains high [4][10]. - Financial regulatory bureaus are required to assess the capacity of their branches to undertake these responsibilities and to ensure a smooth transition of relevant matters by the end of 2027 [10][11]. - The notification emphasizes the need for adequate software and hardware support for financial regulatory branches to manage the new responsibilities effectively [10].