去年九月，由特朗普任命的美联储监管副主席米歇尔.鲍曼召集了12个地区联储的最高层官员，严词斥 责了他们在执行银行审查时的不力表现，此举被视为她对美联储监管体系打响的第一枪。作为堪萨斯州 出身的前银行家，鲍曼在去年成功击败包括主席鲍威尔在内的竞争者升任副主席，其核心任务便是为饱 受争议的银行业监管松绑，削减2008年金融危机后被视为过度的繁文缛节。 鲍曼在公开场合批评美联储审查员过分纠缠于"程序和文件缺陷"，而忽视了核心风险，她主张建立一个 更透明、高效且对银行公平的审查机制。为了实现这一目标，她已大幅裁员并清洗了监管部门的高层领 导团队，意图彻底改变该部门的运作文化。 摘要今日周一(1月26日)亚盘时段，纸黄金目前交投于1138.50元附近，截至发稿，纸黄金暂报1136.14元/ 克，涨幅1.84%，最高触及1138.50元/克，最低下探1115.66元/克。目前来看，纸黄金短线偏向看涨走 势。 今日周一(1月26日)亚盘时段，纸黄金目前交投于1138.50元附近，截至发稿，纸黄金暂报1136.14元/克， 涨幅1.84%，最高触及1138.50元/克，最低下探1115.66元/克。目前来看，纸黄金短线偏向看 ...

Core Viewpoint - The draft amendment to the Banking Supervision and Administration Law significantly expands the regulatory framework, increasing the number of articles from 52 to 80, and extends supervision to major shareholders and actual controllers of banking institutions [1][3][10] Group 1: Regulatory Expansion - The draft amendment includes provisions for penetrating supervision of major shareholders and actual controllers, addressing issues such as false capital contributions and illegal asset occupation [3][4] - It establishes clear legal obligations for major shareholders and actual controllers, including compliance with governance and disclosure rules [4][5] Group 2: Risk Management Mechanisms - The draft amendment enhances the risk disposal framework, allowing for early intervention and systematic arrangements for restructuring, takeover, and revocation of banking institutions [1][6][7] - It introduces a mechanism for early intervention by the banking regulatory authority when risks are identified, with specific rectification timelines and requirements [6][7] Group 3: Consumer Protection - The draft amendment emphasizes consumer rights protection, mandating that banking institutions avoid misleading advertising and protect consumers' legal rights [9] - It aims to significantly increase the penalties for violations, aligning with the Administrative Penalty Law to enhance accountability for both institutions and individuals [9][10]

Core Viewpoint - The proposed revision of the Banking Supervision Law aims to address new challenges in the banking sector and enhance regulatory measures to ensure the healthy development of the industry [1][2] Group 1: Strengthening Regulatory Requirements - The revision includes a comprehensive framework with 6 chapters and 80 articles, focusing on improving licensing management and detailing the principles and review conditions for establishing banking financial institutions [1] - It emphasizes "penetrating supervision," extending regulatory oversight to major shareholders and actual controllers of banking institutions, with strict requirements on entry conditions and capital obligations [1] - The law aims to combat illegal related-party transactions and capital withdrawal activities more rigorously [1] Group 2: Improving Regulatory Measures - The revision clarifies the reporting obligations of banking financial institutions and their major shareholders, as well as the responsibilities of service providers like accounting and law firms [2] - New regulatory measures include the authority to mandate asset transfers, capital replenishment, and actual control transfers to enhance risk resolution capabilities [2] - In case of risks, the State Council's banking supervision authority can implement measures such as restructuring, takeover, or revocation, with specified conditions and procedures [2] Group 3: Enhancing Consumer Protection - The revision strengthens consumer protection responsibilities, with the State Council overseeing consumer rights protection in banking financial institutions [2] - It establishes a consumer dispute mediation organization to safeguard consumers' rights to choose, fair trading, and information security [2] - The law also intensifies the management of industry personnel, prohibiting false advertising and illegal charges that infringe on customer rights, while enhancing personal information protection [2] Group 4: Legal and Penalty Enhancements - The revision includes provisions for extraterritorial applicability and supplements legal responsibilities, increasing penalties and fines for violations [2]

21世纪经济报道记者郭聪聪 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，厘清其背后的监管逻辑与实践 价值。一、《修订草案》如何强化股东、实际控制人监管？ 实践中有的银行业机构的主要股东、实际控制人不当越位、干预经营，甚至虚假出资、抽逃资本，搞不 当关联交易和利益输送等情况，为加强银行业金融机构股权管理，本次《修订草案》落实中央金融工作 会议关于穿透式监管的要求，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。 上海金融与发展实验室首席专家、主任曾刚分析道： ...

Core Viewpoint - The U.S. Treasury's Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation announced the withdrawal of the 2013 leveraged lending guidelines, indicating a relaxation of post-2008 financial crisis banking regulations [1][2]. Group 1: Regulatory Changes - The 2013 guidelines were deemed overly restrictive, hindering banks from applying general risk management principles to leveraged loans, thus allowing these loans to operate outside regulatory oversight [2]. - The Federal Reserve has not yet made a similar decision to withdraw the guidelines, indicating a potential divergence in regulatory approaches among U.S. banking authorities [1]. Group 2: Market Implications - Analysts believe that the relaxation of regulations will increase competition between banks and private credit institutions in the leveraged lending market [2]. - While there is a rationale for including leveraged loans under regulatory scrutiny, the inherent high risks associated with these loans should not be overlooked [2].

Core Viewpoint - Huaxia Bank was fined a total of 13.8096 million yuan due to 10 business violations, and the bank has stated that all issues have been rectified [2][4]. Summary by Sections Penalty Details - The People's Bank of China announced that Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations. The total penalty included the confiscation of illegal gains of 154,567.91 yuan and a fine of 13.655 million yuan [2][3]. Bank's Response - Huaxia Bank acknowledged the penalties, attributing them to issues identified during a comprehensive enforcement inspection in 2022. The bank emphasized that it has taken the matter seriously and has implemented corrective measures, claiming that all issues have been resolved [4]. Previous Penalties - In September of the same year, Huaxia Bank received a significant penalty of 87.25 million yuan for mismanagement in various business areas, marking it as the second-largest penalty in the banking sector for the year [4]. Financial Performance - As of the end of Q3 2025, Huaxia Bank reported total assets of 45,863.58 billion yuan, an increase of 2,098.67 billion yuan or 4.80% from the previous year. However, the bank's operating income decreased by 8.79% year-on-year to 648.81 billion yuan, and net profit attributable to shareholders fell by 2.86% to 17.982 billion yuan [5]. Asset Quality - The non-performing loan ratio for Huaxia Bank stood at 1.58% at the end of Q3 2025, a slight decrease of 0.02 percentage points from the end of the previous year. The provision coverage ratio was reported at 149.33%, down by 12.56 percentage points from the previous year [6].

Core Viewpoint - The Federal Reserve Governor, Michelle Bowman, expressed a desire to conclude quantitative tightening (QT) by October, emphasizing the importance of reasonable regulatory measures to maintain a smaller balance sheet and strongly supports revising banking regulations [1] Group 1 - The Federal Reserve aims to end quantitative tightening (QT) sooner than expected, with a target of October [1] - Implementing appropriate regulatory measures is seen as essential for sustaining a smaller balance sheet [1] - There is strong support for revising banking regulations to enhance the overall stability of the financial system [1]

美联储：在（压力测试等）检查中，银行业监管需要侧重于那些实质性风险。 ...

| 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | 름 | | | | 定机关 | | | 中国邮政储蓄银 | 相关贷款业务、互联网贷 | 对中国邮政储蓄银行 股份有限公司罚没合 | 金融监管 总局 | | 1 | 行股份有限公司 | 款业务、绩效考核、合作 | 计2791.67万元。 | | | | 及相关责任人员 | 业务等管理不审慎 | 对黄文贤给予警告并 | | | | | | 罚款5万元。 | | | 2 | 中信百信银行股 份有限公司及相 | 相关互联网贷款等业务管 | 对中信百信银行股份 1120万元。 | 金融监管 | | | | | 有限公司罚款合计 | | | | | 理不审慎、监管数据报送 | 对于晓红取消高级管 | 总局 | | | 关责任人员 | 不合规等 | 理人员任职资格5 | | | | | | 年,对朱祎敏给予警 | | | | | | 告。 | | 9月30日，国家金融监督管理总局公布对邮储银行与百信银行的处罚信息。 图片来源：国家金融监督管理总局官网 两家银行回应 其中，邮储银 ...

Group 1 - UBS is considering relocating its headquarters to the United States in response to new capital regulations imposed by the Swiss government [1] - The Swiss government has introduced stricter capital requirements following UBS's acquisition of Credit Suisse, which could force UBS to increase its loss-absorbing capital buffer by $26 billion [1] - UBS executives are reportedly preparing plans for the potential move to the U.S. to seek a more favorable regulatory environment [1] Group 2 - In July, UBS indicated internally that the necessity of moving its headquarters out of Switzerland was increasing, with London also being a potential location [2] - Switzerland is facing challenges from the U.S. government's recent decision to impose a 39% tariff on Swiss products, prompting the Swiss government to seek UBS's support for better trade terms [2]