法国呼吁欧盟撤回一项旨在改善散户投资者保护的里程碑式提案，称目前的草案将给资产管理公司带来 沉重负担，并赶走客户。在企业和政府日益反对过度繁琐的官僚程序、损害竞争力的背景下，欧盟对这 项欧洲金融监管核心内容的反应也随之而来。法国拥有欧洲最大的资产管理公司和几家最大的银行，已 成为放松金融监管以促进经济增长的坚定支持者。 ...

随着监管发布吊销金融许可证的消息落地，西藏金租10年经营画上句号。 2025年4月29日，西藏金融监管局行政处罚信息显示，西藏金融租赁有限公司（以下简称"西藏金租"） 因通过编造虚假业务等方式隐匿关联交易、部分租赁业务经营严重不审慎形成风险、报送虚假报表资 料、公司治理和内部控制失效等，被吊销金融许可证。 《中国经营报》记者注意到，西藏金租涉及的违规内容，一方面与自身经营相关，另一方面亦与大股东 的关联交易相关。对于吊销牌照后，公司将如何处置后续问题，记者向西藏金租及其大股东东旭集团有 限公司（以下简称"东旭集团"）发送采访函，截至发稿前，对方未予回复。 值得注意的是，在西藏金租被宣布吊销金租牌照的同时，其大股东的财务公司也被吊销金融许可证。国 家金融监督管理总局网站显示，因违规开展同业拆入业务、开展票据业务不审慎、未真实反映资产质量 等，严重违反审慎经营规则，国家金融监督管理总局河北金融监管局对东旭集团财务有限公司吊销金融 许可证。 天眼查显示，西藏金租成立于2015年，注册资本为50亿元，董事长为李兆廷。而在成立之初，西藏金租 的注册资本只有10亿元，开业3年内经历多次增资至50亿元。同时，西藏金租的资产 ...

Group 1 - The overall financial operation is stable, with banks and insurance institutions conducting business orderly and major regulatory indicators remaining in a healthy range [1] - The Financial Regulatory Administration plans to introduce eight incremental policies to further consolidate the economic recovery, including financing systems compatible with new real estate development models and support for small and private enterprises [2][3] - The approval of "white list" loans by commercial banks has increased to 6.7 trillion yuan, supporting the construction and delivery of over 16 million residential units [2] Group 2 - A financing coordination mechanism has been established to address the financing difficulties of small and private enterprises, with over 67 million businesses visited and loans amounting to 12.6 trillion yuan issued [3] - Policies will be implemented to support foreign trade development, ensuring that banks fulfill lending policies and provide tailored services for businesses affected by tariffs [3] - The capital adequacy ratio of banks and the solvency ratio of insurance companies have shown a stable upward trend, with non-performing loan ratios decreasing by approximately 0.1 percentage points [4] Group 3 - The no-repayment renewal loan policy has provided 4.4 trillion yuan in renewed loans for small and micro enterprises since its expansion, effectively meeting their financing needs [5] - The insurance industry has paid out approximately 1 trillion yuan in claims in the first four months of the year, with over 10 trillion yuan accumulated in long-term reserves for pension and health insurance [5]

Group 1 - Financial Regulatory Authority announced a series of innovative policies to support the real estate market, including new financing systems compatible with the new development model [1] - The introduction of policies to expand the scope of long-term investment trials for insurance funds, aiming to inject more incremental capital into the market [1] - Adjustments to regulatory rules to lower investment risk factors for insurance companies, supporting a stable and active capital market [1] Group 2 - Overall financial operations remain stable, with key regulatory indicators in a healthy range, indicating a solid foundation for large financial institutions [2] - In the first four months, the banking capital adequacy ratio and insurance solvency adequacy ratio showed a positive trend, with a decrease in non-performing loan rates by approximately 0.1 percentage points [2] - New financing for the real economy reached approximately 17 trillion yuan through various means, with a significant amount of loans extended to small and micro enterprises [2]

若从今年一季度数据来看，农村金融机构的领罚次数仍显著较高于其他机构。据券商中国记者梳理，今年一季度金融监管部门对农商行及农信社分别开出罚 单156张和25张，村镇银行达72张。此外，罚单数量较多的还有国有大行、股份行，分别162张和81张。 总的来看，今年一季度被处罚的283家银行总计罚没金额达4.97亿元，被罚银行数量与2024年一季度相比减少约26%，罚单总数同比下降约20%，被罚金额同 比基本持平，反映出银行展业更趋规范，监管部门对金融机构的处罚力度更趋严格。 具体来看，若包含个人罚单数量，一季度领罚频次最高的银行类型是农商行，合计达469张，占总罚单数量比例达31%；其次是国有大行，数量达400张，占 比约27%。综合来看，包括农商行、农信社、村镇银行、城商行和民营银行在内，中小银行罚单数量占比已超过总罚单数量的一半。 若从遭到处罚金额来看，最多的是国有大行，一季度合计被罚约1.38亿元；其次是农商行，合计被罚约1.29亿元；而股份行也被罚金额超过亿元，达1.23亿 元。此外，城商行和村镇银行今年一季度累计被罚金额均超过3000万元。 4月份，银行业延续严监管态势，超过100家银行遭监管处罚。 证券时 ...

21世纪经济报道记者 郭聪聪 北京报道 21世纪经济报道记者注意到，4月29日，国家金融监督管理总局西藏监管局在其官网发布的一则行政处罚信息公开表显示，西藏金租存在通过编造虚假业务 等方式隐匿关联交易、部分租赁业务经营严重不审慎形成风险、报送虚假报表资料、公司治理和内部控制失效等多项违法违规行为，严重违反审慎经营规 则，该局决定吊销西藏金租金融许可证。 一纸行政处罚决定，宣告了西藏金融租赁有限公司（下称"西藏金租"）的终结，这家曾经创造"两年破百亿"规模奇迹的金租公司，最终因财务造假、违规经 营等问题走向末路。 （西藏金租股东信息 来源：企业预警通） 凭借政策红利和股东背景，西藏金租实现了"两年破百亿"的规模奇迹——资产规模在短短两年内突破百亿元，业务范围迅速覆盖航空、能源、基建等多个资 金密集型领域。然而，在超常规发展背后往往隐藏着致命隐患，西藏金租的商业模式存在着三大结构性缺陷： | 序 | 当事人名 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | | 島 | 称 | | 内容 | 机关 | | | 西藏金融 租賃有限 | | | 西藏 ...

Core Insights - Artificial intelligence (AI) is recognized as a strategic technology that significantly transforms production and lifestyle, with the Chinese government emphasizing its importance in enhancing the country's overall capabilities in this field [1][2] - The integration of AI in the financial sector is crucial for improving service quality and efficiency, as well as for driving financial innovation [2][3] Group 1: AI in Financial Services - AI applications in finance span the entire service chain, from marketing to operations and decision-making, enhancing customer service, fraud detection, credit assessment, and personalized investment advice [3][4] - The use of big data and AI algorithms in credit risk assessment, particularly in the "big technology credit" sector, addresses financing challenges faced by small and medium-sized enterprises (SMEs) [4] Group 2: Financial Stability and Risk Management - AI can alter the mechanisms of financial risk formation and transmission, potentially stabilizing the financial system by reducing reliance on collateral for credit decisions [5] - While AI enhances service quality, it also raises concerns about new financial risks, such as data security, algorithm transparency, and ethical issues [6][7] Group 3: Regulatory Considerations - Financial regulators need to adapt to the evolving landscape of AI in finance by enhancing regulatory capabilities, focusing on technology oversight, and establishing algorithm review systems [7] - The establishment of a "regulatory sandbox" could facilitate innovation while managing risks, allowing for a balanced approach between regulation and innovation [7] Group 4: National Strategy and Development - China aims to strengthen its position as a leader in AI applications within the financial sector, contributing to high-quality financial development while ensuring systemic financial stability [8]

长江商报消息 ●长江商报记者 刘倩雯 为进一步强化金融资产管理公司监管，促进金融资产管理公司高质量发展，4月11日，国家金融监督管 理总局印发《关于促进金融资产管理公司高质量发展 提升监管质效的指导意见》（以下简称《指导意 见》）。 《指导意见》从总体要求、完善公司治理、坚守主责主业、强化风险防控、提升监管质效等方面，提出 促进金融资产管理公司高质量发展的十六条意见措施。 《指导意见》提出，金融资产管理公司要聚焦发挥特色功能，加快培育核心竞争力，做强做优不良资产 收购处置业务，服务化解中小金融机构、房地产等领域风险，促进实体经济健康发展。要持续加强风险 管理和内控机制建设，强化存量风险资产处置，严控增量业务风险，加强资产负债和流动性管理，推进 瘦身健体。 资产负债管理同样被高度重视。《指导意见》指出，公司应合理确定业务投放规模，避免盲目扩张和负 债驱动式增长。建议适当提高中长期负债占比，改善资产负债匹配程度，守好流动性安全底线。同时鼓 励通过发行金融债、资产证券化产品等多种方式拓宽资金来源渠道，增强资本实力。 此外，瘦身健体也成为监管重点之一。金融资产管理公司应稳妥推进附属机构优化整合，回归主责主 业，提升资 ...

Core Viewpoint - The recent guidelines issued by the Financial Regulatory Bureau aim to enhance the regulation of financial asset management companies, promoting their high-quality development through 16 specific measures focusing on governance, risk management, and operational efficiency [1][11]. Group 1: Focus on Core Responsibilities - Financial asset management companies are urged to concentrate on their primary functions, particularly in the acquisition and disposal of non-performing assets, to address the increasing demand for asset resolution [3][4]. - The guidelines emphasize the importance of financial asset management companies in mitigating risks for small and medium-sized financial institutions and the real estate sector, thereby reinforcing their role in the economy [4][5]. Group 2: Risk Management and Internal Controls - Continuous enhancement of risk management and internal control mechanisms is mandated, with a focus on managing existing risk assets and controlling new business risks [7][8]. - The guidelines advocate for a balanced approach to asset-liability and liquidity management, discouraging reckless expansion driven by liabilities [8]. Group 3: Regulatory Framework and Compliance - The guidelines call for the improvement of the regulatory system, emphasizing the need for robust supervision and enforcement against illegal activities within the sector [9][10]. - A multi-layered and differentiated regulatory framework will be developed to adapt to the unique characteristics of financial asset management companies [9]. Group 4: Support for Small and Medium-sized Financial Institutions - Financial asset management companies are encouraged to enhance their service capabilities towards small and medium-sized financial institutions, facilitating the acquisition and management of their non-performing assets [5][6]. - The guidelines highlight the necessity for collaboration between financial asset management companies and local asset management firms to create a more effective ecosystem for asset resolution [5].

Group 1 - The State Council's Tariff Commission announced an increase in tariffs on U.S. imports from 84% to 125% starting April 12, indicating that U.S. goods have no market acceptance in China at current tariff levels [3] - The Ministry of Commerce criticized the U.S. for its high tariffs on China, stating that such measures have become a "numbers game" with no real economic significance, and warned of resolute countermeasures if the U.S. continues to harm China's interests [3] - The Shenzhen Stock Exchange outlined a plan for long-term capital market entry, focusing on product supply, optimizing trading mechanisms, and promoting targeted investment strategies [3] Group 2 - U.S. stock indices closed higher, with the Dow Jones up 1.56% at 40,212.71 points, and the S&P 500 rising 1.81% to 5,363.36 points, driven by gains in major companies like Apple and JPMorgan [5] - European stock indices showed mixed results, with Germany's DAX down 0.92% and the UK's FTSE 100 up 0.64% [6] - Major Asia-Pacific indices fell, with Japan's Nikkei 225 down 2.96% and South Korea's KOSPI down 0.5% [6] Group 3 - The International Financial Association reported a net outflow of $17.1 billion from emerging market fixed income and equities in March, marking the largest monthly outflow since August 2023 [6] - International gold futures surged 2.44% to $3,254.90 per ounce, reaching a new historical high, with a weekly increase of 7.23% [6] - Brent crude oil prices rose 1.99% to $64.59 per barrel, despite a weekly decline of 1.51% [6] Group 4 - The National Financial Regulatory Administration issued guidelines to promote the high-quality development of financial asset management companies, emphasizing the need for a balanced approach to asset growth [11] - The Ministry of Commerce reiterated its stance against unilateral U.S. tariffs, asserting that such actions violate WTO rules and disrupt multilateral trade systems [11] - The People's Bank of China conducted a 285 billion yuan reverse repurchase operation at a rate of 1.50%, with no reverse repos maturing that day [11] Group 5 - A-shares and Hong Kong stocks rebounded for four consecutive days, with the Shanghai Composite Index closing up 0.45% at 3,238.23 points [14] - The Hang Seng Index rose 1.13% to 20,914.69 points, with significant buying in gold and semiconductor sectors [14] - The Taiwan Weighted Index closed up 2.78% at 19,528.77 points [15] Group 6 - The China Securities Regulatory Commission approved Huazhi Jie’s IPO registration on the Shanghai Stock Exchange [15] - The Shanghai Stock Exchange took regulatory measures against 155 instances of abnormal trading behavior this week [15] - China Mobile launched AI glasses with integrated features for real-time translation and meeting management [16] Group 7 - The Ministry of Industry and Information Technology reported that China's automobile production and sales reached 7.561 million and 7.47 million units respectively in Q1, with a year-on-year increase of 14.5% and 11.2% [26] - The semiconductor industry association announced new rules for the origin certification of semiconductor products [26] - The IDC forecasted that China's gaming cloud market will reach $1.87 billion in 2024, growing at a compound annual growth rate of 6.9% [26] Group 8 - The U.S. Federal Reserve indicated that tariffs and trade uncertainties are significant factors affecting economic growth, which is expected to slow to 1% this year [28] - The U.S. March PPI rose 2.7% year-on-year, below expectations, while core PPI increased by 3.3% [28] - The UK reported a 1.4% year-on-year increase in GDP for February, exceeding expectations [29]