进入6月，监事会撤销更为密集。6月23日，泰康保险宣布不再设立监事会，职权由董事会审计、风 险管理与消费者权益保护委员会承接。7月，大家保险宣布监事会正式"解散"，职权全部交由董事会审 计委员会；中国太保审议通过相关议案，确定由董事会审计与关联交易控制委员会承接监事会职权。8 月，人保财险、建信财险先后明确职工监事退任及职权交接安排。紫金财险在二季度偿付能力报告中透 露，已不再设立监事会。 9月，中国人寿董事会审议通过监事会撤销相关议案，并于12月24日完成全部监管核准流程。根据 公告，中国人寿自公司章程修订生效之日起正式不再设立监事会，原监事会职权由董事会审计委员会承 接。同月，新华保险明确拟通过修订公司章程撤销监事会；中煤保险发布公告，决定撤销监事会。11月 13日，中国再保宣布拟不再设置监事，由董事会审计委员会行使监事会职权，监事会下设专门委员会同 步撤销。12月17日，中原农险正式终止监事会制度。 保险机构"去监事会"的背后，有政策层面的明确指引。2024年7月新修订的公司法正式实施，国有 独资公司若由董事会审计委员会行使监事会职权，可不再设监事会；有限责任公司和股份有限公司也可 通过公司章程约定，由 ...

为衔接这一法律要求，2024年12月金融监管总局发布《关于公司治理监管规定与公司法衔接有关事项的 通知》进一步明确金融机构可以按照公司章程规定，在董事会中设置由董事组成的审计委员会，行使公 司法和监管制度规定的监事会职权，不设监事会或者监事。 4月16日，日本财险(中国)率先发布公告，宣布撤销监事职位，不再设立监事会，原职责由董事会下的 审计与风险管理委员会承接。国有保险集团迅速跟进，4月30日，中国人保董事会审议通过章程修订， 明确"不设监事会，职权由董事会审计委员会行使"。 进入6月中期后，监事会撤销消息更为密集。6月23日，泰康保险宣布不再设立监事会，职权由董事会审 计、风险管理与消费者权益保护委员会承接。7月，大家保险宣布监事会正式"解散"，职权全部交由董 事会审计委员会；中国太保审议通过相关议案，确定由董事会审计与关联交易控制委员会共同承接监事 会职权。8月，人保财险、建信财险先后明确职工监事退任及职权交接安排。紫金财险在二季度偿付能 力报告中透露，已不再设立监事会。 9月，中国人寿董事会审议通过监事会撤销相关议案，并于12月24日完成全部监管核准流程。根据公 告，中国人寿自公司章程修订生效之日起正 ...

Core Viewpoint - The recent implementation of monthly deposit and withdrawal limits for personal bank accounts in China marks a shift from "extensive management" to "precise regulation" in financial governance, reflecting deeper financial governance logic [1][3]. Policy Background and Core Content - The new policy is not unique to China, as similar measures exist globally, such as the U.S. requiring cash transactions over $10,000 to be reported and the EU setting a cash payment limit of €10,000. The policy primarily targets non-counter transactions and allows for temporary adjustments to limits under certain conditions [3][5]. Multiple Motivations for Policy Introduction - The primary driver for this reform is the fight against money laundering, with suspicious transaction reports increasing by 23% in the first half of 2024. The limit management aims to curb money laundering tactics that involve breaking large transactions into smaller ones. Additionally, it plays a crucial role in preventing telecom fraud and aids banks in managing liquidity more effectively during economic transitions [5][9]. Actual Impact on Ordinary Depositors - For most wage earners, the monthly limit of ¥50,000 is sufficient, as it is approximately ten times the average monthly disposable income of ¥4,865. However, specific groups, such as individual entrepreneurs, may need to adjust their cash flow management. The policy also encourages financial service refinement, with banks offering "smart limit" services based on transaction history [7][9]. Deep Changes in Financial Ecosystem - The policy is reshaping banking business models, prompting banks to focus on "long-tail customers" and innovate products like micro-investment and automatic fund allocation. It enhances risk control systems and improves the transparency of monetary policy transmission, allowing for better data support for macroeconomic regulation [9][11]. International Comparison and Localization Practice - China's limit management features "rigid constraints with flexible execution," differing from the Western approach of large transaction reporting. The mixed model of "limit management + whitelist" maintains regulatory strength while avoiding a one-size-fits-all approach [11]. Future Evolution Directions - The policy is expected to optimize in three areas: establishing dynamic adjustment mechanisms based on regional economic conditions, enhancing technology integration for intelligent and transparent limit management, and improving supporting measures such as expanding digital currency applications [11][13]. Conclusion - The deposit and withdrawal limit management is a significant exploration in the modernization of China's financial governance, aiming to create a secure, efficient, and inclusive financial infrastructure that aligns with the rapid development of the digital economy [13].