党的二十届四中全会对"十五五"时期加快建设金融强国提出明确要求，其中提到"全面加强金融监 管，强化央地监管协同，丰富风险处置资源和手段，构建风险防范化解体系，保障金融稳健运行"。 "十五五"时期，我国金融领域面临的风险挑战仍然复杂严峻，全面加强金融监管有助于确保金融体 系对各种风险冲击保持足够韧性。国家金融监督管理总局披露的最新数据显示，2025年三季度末，我国 银行业金融机构本外币资产总额已达474.3万亿元。要加快建设金融强国，切实增强金融整体实力、国 际竞争力和抗风险能力，必须全面提高金融监管能力，牢牢守住不发生系统性风险的底线。 加快补齐制度短板 2023年底召开的中央金融工作会议首次明确提出"全面加强金融监管"，要求切实提高金融监管有效 性，依法将所有金融活动全部纳入监管，全面强化机构监管、行为监管、功能监管、穿透式监管、持续 监管，消除监管空白和盲区，严格执法、敢于亮剑，严厉打击非法金融活动。 全面加强金融监管，必须有制度作为保障。11月28日，中国人民银行、金融监管总局、中国证监会 联合发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》（以下简称《管理办 法》），自2026年1月1 ...

Core Viewpoint - The Chinese financial regulatory authority is committed to enhancing the financial regulatory system during the "14th Five-Year Plan" period, focusing on systemic reform and improvement of regulatory effectiveness [1][2][3] Group 1: Regulatory System Improvement - Significant progress has been made in revising important industry laws, with 171 regulatory documents issued over the past five years, establishing a comprehensive regulatory framework that integrates macro and micro prudential supervision [1] - The revision draft of the Banking Supervision Law has been discussed and approved by the State Council, while the Insurance Law revision is also advancing [1] Group 2: Enhanced Regulatory Effectiveness - The regulatory authority has implemented tiered supervision for 41 key institutions and delegated regulatory powers to 112 small and medium-sized insurance companies, focusing on critical risks and behaviors that threaten financial stability [2] - The "Golden Supervision Project" has been launched, utilizing big data and artificial intelligence to strengthen regulatory capabilities [2] Group 3: Consumer Protection Initiatives - A collaborative "big consumer protection" framework has been established, promoting better product suitability management and marketing practices to create a safer financial consumption environment [2] - The number of illegal fundraising cases has decreased by 50% compared to the "13th Five-Year Plan" period, enhancing the protection of consumers' financial assets [2] Group 4: Industry Reform and Efficiency - The integration of party leadership and corporate governance is being promoted, with a focus on differentiated and specialized development of financial institutions [3] - Insurance companies have reduced costs by 350 billion yuan since 2024, with the comprehensive cost ratio for property insurance companies reaching a ten-year low and expense ratios hitting a 20-year low, indicating sustained internal growth momentum in the industry [3]