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 ...

12月22日，《中华人民共和国银行业监督管理法（修订草案）》提请十四届全国人大常委会第十九次会 议审议。国家金融监督管理总局副局长丛林在作有关说明时表示，现行银行业监督管理法于2004年施 行，多年来对加强银行业监管、促进银行业规范健康发展发挥了积极作用，其总体制度框架适应监管需 要。但随着近年来银行业的迅速发展，监管面临一些新情况新问题，因此有必要对现行法进行修改。 据介绍，修订草案共6章80条，主要作了以下修改： 强化监管要求。健全许可管理制度，补充规定了批准设立银行业金融机构须遵循的原则和审查条件，细 化了行政许可变更事项，完善了时限要求；强化穿透式监管，将监管对象由银行业金融机构延伸至银行 业金融机构的主要股东、实际控制人，并从准入条件、出资义务等方面对其提出要求，严厉打击违规关 联交易、抽逃出资等违法行为。 完善监管举措。明确银行业金融机构及其主要股东、实际控制人的资料报送义务；明确会计师事务所、 律师事务所等银行业服务机构应当勤勉尽责、恪尽职守；完善监管强制措施，新增责令转让资产、补充 资本、转移实际控制权等监管措施，提高及时化解风险能力；明确发生风险时，国务院银行业监督管理 机构可以采取整顿、重 ...

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： ...

美国货币监理署和美国联邦存款保险公司表示，2013年推出的指引和相关解读文件过于富有约束性，妨 碍银行把其他业务适用的通用风险管理原则应用于杠杆贷款，从而让杠杆贷款游离于监管之外。此外， 这些监管规定过于宽泛，也没有经过国会的审议。 分析人士认为，美国监管机构放松监管将推高银行与私人信贷机构在杠杆贷款业务上的竞争。把杠杆贷 款纳入监管虽有合理性，但杠杆贷款本身的高风险不应忽视。 （文章来源：新华财经） 新华财经纽约12月5日电（记者刘亚南）美国财政部下属货币监理署（the Office of the Comptroller of the Currency ）和由美国国会创设的独立机构联邦存款保险公司（Federal Deposit Insurance Corporation）5 日联合发布消息，宣布撤回2013年多部门联合发布的杠杆贷款（leveraged lending)指引和相关解读文 件。 这意味着美国银行监管机构放松了2008年全球金融危机后采取的强化银行业监管的措施。不过，作为 2013年监管措施三家联合发布机构之一的美国联邦储备委员会尚未做出同样的决定。 杠杆贷款为高负债、高杠杆或低债务人评级的借 ...

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]

Core Viewpoint - JPMorgan Chase CEO Jamie Dimon described regulation as the "barnacles on the ship" of the banking industry, indicating that excessive regulation can hinder growth and innovation in the sector [1] Group 1: Regulatory Environment - Dimon emphasized that the current regulatory framework is overly burdensome, suggesting that it stifles the ability of banks to operate efficiently and serve their customers effectively [1] - He called for a reevaluation of regulations to ensure they are conducive to growth while maintaining necessary safeguards [1] Group 2: Industry Growth and Innovation - The CEO highlighted the importance of fostering an environment that encourages innovation within the banking sector, which is essential for adapting to changing market conditions [1] - Dimon pointed out that while regulations are necessary, they should not impede the ability of banks to innovate and compete in a global market [1]