近期，十四届全国人大常委会第十九次会议对《中华人民共和国银行业监督管理法（修订草 案）》（以下简称"《修订草案》"）进行了首次审议，12月27日起向社会公开征求意见，期 限为30日。 据了解，现行银行业监督管理法（以下简称"银监法"）自2004年2月起实施，2006年作出个 别修正，此次为该法律实施以来进行的最大规模修订。整体来看，《修订草案》从现行的52 条大幅扩充至80条，其中一大亮点是将监管对象由银行业金融机构延伸至其主要股东、实际 控制人，针对虚假出资、抽逃出资，以及违反规定转让、质押股权等行为，落实穿透式监管 要求。 此前，中央金融工作会议对健全常态化风险处置机制提出明确要求，《修订草案》也从多个 方面进行了完善，比如，完善风险处置框架，就促成重组、整顿、接管、撤销等风险处置方 式作出系统性安排。 修订草案大幅扩充至80条， 主要股东、实控人纳入监管范围 《修订草案》共6章80条，与现行银监法相比进行了大幅扩充，其中的一大亮点是将监管对 象由银行业金融机构延伸至其主要股东、实际控制人。 其中，《修订草案》第十八条提及，国务院银行业监督管理机构批准设立银行业金融机构， 应当对多项条件进行审查，其中便包 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 记者丨郭聪聪 "银行业风险案例表明，公司治理失灵往往是最难修复、破坏性也最大的风险源头。很多问题并非起于 某一笔业务，而是来自股东端的不当干预、关联交易与利益输送、抽逃出资或虚假出资等。" 曾刚强 调，本次修订的关键着力点，是将股东监管打造为 "制度化、工具化、可执行化" 的完整闭环。 中国法学会银行法学研究会会长王卫国进一步解读，《修订草案》在三个方面突出了对金融机构股东的 监管。 日前，十四届全国人大常委会第十九次会议对《银行业监督管理法（修订草案）》（下称《修订草 案》）进行了审议，并正式向社会公开征求意见。 这是该法自2004年施行以来最大规模的一次修订，业内普遍认为，此次修订并非简单条款修补，而是针 对银行业内外部环境深刻变化、金融风险形态日益复杂的新形势，进行的一次系统性修订。 具体内容上来看，草案从现行52条大幅扩充至80条，从监管范围、风险处置、消费者保护、法律责任等 维度进行全方位修订，旨在应对银行业内外部环境的深刻变化，填补监管空白，提升监管效能。 本文结合多位业内专家的专业视角，围绕《修订草案》的核心修订内容，厘清 ...

据12月27日"全国人大"微信公众号消息，包括银行业监督管理法修订草案等8件法律草案公开征求意 见。银行业监督管理法修订草案的征求意见时间为2025年12月27日至2026年1月25日。 现行银行业监督管理法自2004年2月起施行，2006年作了个别修正。银行业监督管理法颁布二十余年 来，我国银行业发展取得突破性成就，银行业发展的内外部环境也发生了深刻变化。近年来，银行业发 展面临的风险形势更加复杂多元，有必要对现行银监法进行系统性完善，着力解决部分领域制度空白及 监管有效性不足等突出问题，进一步提高监管效能，维护银行业持续稳健运行。 要点速览 进一步延伸监管链条，将机构主要股东、实际控制人纳入监管范围，建立事前、事中、事后全流程监管 制度 本次修订的主要思路为，全面贯彻落实中央金融工作会议精神，深刻把握金融工作的政治性、人民性， 以强化机构监管、行为监管、功能监管、穿透式监管、持续监管为主线，以消除监管空白、弥补监管短 板、明确监管授权为着力点，切实提高监管的前瞻性、精准性、有效性和协同性，更好发挥法治固根 本、稳预期、利长远的保障作用，切实提高金融治理体系和治理能力现代化水平。 具体来看，在强化股东、实际 ...

Group 1 - The 2025 Global Cultural IP Industry Development Conference will be held in Shanghai on December 26-27, 2025, with the theme "IP Without Boundaries: Intelligent Creation of the Future - Global Exploration of Cultural IP and Technology Integration" [1][4] - As of the end of November this year, the platform has received over 31 million valid consumer complaints and successfully resolved more than 20 million disputes [1][4] Group 2 - The company has established a comprehensive service system throughout the consumer process, collaborating with government agencies such as the National Anti-Fraud Center and the Ministry of Justice to conduct anti-fraud legal publicity and mitigate risks in advance [3][6] - The introduction of the AI legal assistant "Law Meow Star" provides 24/7 online legal consultation and rights protection guidance [3][6] - The initiatives create a "multi-governance" network that supports a new consumer protection model, reducing intermediate steps and resolving many conflicts at the grassroots level, significantly lowering consumer rights protection costs and saving valuable administrative and social resources [3][6]

由21个州和华盛顿特区组成的联盟起诉联邦政府，要求强制从美联储拨款资助CFPB，称该机构拒绝提 取资金违反法律并损害消费者保护。 责任编辑：张俊 SF065 由21个州和华盛顿特区组成的联盟起诉联邦政府，要求强制从美联储拨款资助CFPB，称该机构拒绝提 取资金违反法律并损害消费者保护。 责任编辑：张俊 SF065 ...

Core Viewpoint - The recent release of national standards by the State Administration for Market Regulation aims to enhance consumer protection and create a trustworthy, fair, convenient, and safe consumption environment [2]. Group 1: Consumer Information Rights - The systematic revision and upgrade of national standards for consumer product instructions have been initiated, including the release of new versions for toys and furniture, which now require detailed information on materials and maintenance [4]. - Ongoing revisions are being organized for general instructions and specific categories such as household appliances, cosmetics, textiles, and sports equipment to ensure clear product information for consumers [4]. Group 2: Enhancing Consumer Experience - Four national standards have been released focusing on service design, user experience, service evaluation, and complaint handling to improve service quality and protect the rights of vulnerable consumers [6]. - Upcoming standards will address consumer experience centers and service in commercial areas to further enhance diverse consumption scenarios and create a safe shopping environment [6]. Group 3: Consumer Privacy Protection - The adoption of ISO international standards has led to the development of national standards for consumer privacy protection in product and service design [8].

Core Points - The National Market Supervision Administration has released a series of national standards focused on consumer protection, including product usage instructions, service experience enhancement, and consumer privacy protection [1][2][5] - The new standards aim to improve consumer awareness and safety, particularly in the context of children's toys and furniture, by mandating clear labeling of materials and maintenance instructions [1][2] - The standards also address the need for digital formats and QR codes to cater to e-commerce and environmental considerations [1][2] Group 1: Consumer Information and Safety - The updated standards for product usage instructions include specific requirements for toys and furniture, enhancing clarity on materials and maintenance [1][2] - The initiative responds to the evolving consumer market, which now includes a diverse demographic with varying needs, particularly in terms of readability and accessibility of information [2] Group 2: Service Experience Enhancement - New standards have been introduced to improve service quality and consumer experience, particularly for vulnerable consumers, covering the entire service process from design to complaint handling [3] - Additional standards related to consumer experience centers and service in shopping districts are forthcoming, aimed at creating a safer and more reliable shopping environment [3] Group 3: Privacy Protection - A new national standard has been established focusing on consumer privacy protection throughout the product lifecycle, providing guidelines for design, production, and usage [5] - The upcoming release of application case studies will illustrate privacy protection in typical scenarios, such as online retail and smart home devices [5] - The standards align with international practices while addressing local needs, offering clear guidance for businesses to enhance consumer privacy in the digital marketplace [5]

Core Viewpoint - The National Market Supervision Administration is enhancing consumer protection through the release of new national standards aimed at creating a trustworthy, fair, convenient, and safe consumption environment [1][2]. Group 1: Consumer Information Rights - The administration is systematically advancing the revision and upgrade of national standards for consumer product instructions, with recent updates for toys and furniture that include requirements for material disclosure and maintenance information [1]. - New formats for product instructions, such as QR codes and website links, are being introduced to meet e-commerce and environmental needs [1]. - Ongoing revisions are being organized for various product categories, ensuring consumers can clearly understand product information and use products correctly [1]. Group 2: Enhancing Consumer Experience - Four national standards have been released to improve service quality and protect consumer rights, particularly for vulnerable consumers, covering service design, user experience, service evaluation, and complaint handling [2]. - Upcoming standards will focus on consumer experience centers and service in commercial areas to create a safe and reassuring consumption environment [2]. Group 3: Consumer Privacy Protection - A national standard has been established based on ISO international standards to address consumer privacy protection throughout the product and service lifecycle, providing guidelines for design, production, purchase, and use [2]. - An application case standard for consumer privacy protection in typical scenarios, such as online retail and smart locks, will be released soon [2]. Group 4: Continuous Improvement of Standards - The administration will continue to enhance the consumer protection standards system and increase efforts in developing national standards for consumer rights protection services and consumption environment evaluations [2].

Core Viewpoint - The National Market Supervision Administration is enhancing consumer protection standards to create a trustworthy, fair, convenient, and safe consumption environment [1][2] Group 1: Consumer Information Rights - The administration is systematically advancing the revision and upgrade of national standards for consumer product instructions, including new versions for toys and furniture that specify material composition and maintenance requirements [1] - The updated standards also accommodate e-commerce and environmental needs by incorporating non-paper formats like QR codes and website links for product instructions [1] - Ongoing revisions are being organized for various product categories, ensuring clear understanding and correct usage of products by consumers [1] Group 2: Enhancing Consumer Experience - Four national standards have been released to improve service quality and protect consumer rights, particularly for vulnerable groups, covering service design, user experience, evaluation, and complaint handling [2] - Upcoming standards will focus on consumer experience centers and service in commercial areas to create a safe and reassuring consumption environment [2] Group 3: Consumer Privacy Protection - The administration has adopted ISO international standards to establish national standards for consumer privacy protection in product and service design, addressing privacy concerns throughout the product lifecycle [2] - Future releases will include case studies on consumer privacy protection in typical scenarios such as online retail and smart home devices [2] Group 4: Continuous Improvement of Standards - The National Market Supervision Administration will continue to enhance the consumer protection standards system, focusing on key areas like consumer rights protection services and consumption environment evaluation to boost consumer confidence and satisfaction [2]

Core Viewpoint - The article discusses the increasing pressure from the Trump administration on the Federal Reserve, particularly regarding interest rate cuts, and the implications for the Fed's independence and future monetary policy direction [1][2][3]. Group A: Pressure on the Federal Reserve - The Trump administration has intensified its pressure on Federal Reserve Chairman Jerome Powell, demanding immediate interest rate cuts and criticizing Powell's cautious approach [3][4]. - Following unsuccessful verbal attacks on Powell, Trump shifted focus to personnel changes within the Fed, aiming to reshape its leadership by targeting other board members [3][4][5]. Group B: Changes in Federal Reserve Leadership - Trump's intervention began with the unexpected resignation of Fed Governor Kugar, which opened the door for Trump to nominate his ally, Milan, to fill the vacancy [4]. - The subsequent targeting of Fed Governor Cook, including criminal allegations against him, illustrates Trump's strategy to exert control over the Fed's board [4][5]. - Trump's public categorization of Fed board members into "Trump" and "Biden" camps indicates a clear intent to influence the Fed's decision-making structure [5]. Group C: Federal Reserve's Power Structure - The Federal Reserve's decision-making is primarily conducted by the Board of Governors and the Federal Open Market Committee (FOMC), with the Board being the key decision-making body [7][9]. - The Board consists of seven governors, and its decisions significantly influence monetary policy, banking regulation, and financial stability [9][10]. - The FOMC, which includes both Board members and regional Fed presidents, has the authority to set interest rates and conduct open market operations [8][9]. Group D: Potential Policy Changes - If Trump successfully controls the Fed's board, significant policy shifts could occur, including rapid interest rate cuts and expansion of the Fed's balance sheet to purchase U.S. Treasury bonds [15][16]. - Trump's desire for a 3% interest rate cut reflects a broader strategy to stimulate the economy, with expectations of at least 150 basis points of cuts in the near term [16][17]. - The potential for a more accommodative monetary policy could lead to increased financial market activity but may also raise systemic risks in the long term [18][19].