Core Viewpoint - The recent revision of the Banking Supervision Law represents the most significant overhaul since its implementation in 2004, expanding from 52 to 80 articles to address the evolving banking environment and complex financial risks [1][10] Group 1: Strengthening Shareholder and Actual Controller Regulation - The revision aims to enhance the management of bank equity by including major shareholders and actual controllers in the regulatory scope, establishing a comprehensive regulatory framework [2][11] - New requirements for major shareholders and actual controllers include document submission and equity disclosure, with strict measures against illegal related transactions and capital withdrawal [2][12] - The focus of regulation is shifting from merely licensed institutions to the key relationships and processes that underpin their operations, aligning legal applicability with the current licensing system [2][11] Group 2: Improving Risk Disposal and Market Exit Mechanisms - The revision emphasizes the systematic improvement of risk disposal mechanisms, with a focus on early identification, warning, and resolution of institutional risks [4][13] - A framework for risk disposal is established, allowing regulatory authorities to flexibly implement measures such as restructuring, rectification, and revocation based on the risk status of institutions [5][14] - New measures include the introduction of a rectification mechanism and detailed provisions for takeover procedures, enhancing the predictability and standardization of risk disposal [5][14] Group 3: Enhancing Consumer Protection - The revision incorporates a consumer-centric approach, mandating regulatory oversight of consumer rights protection in the banking sector [6][15] - It specifies the obligations of banking institutions to avoid false advertising and illegal charges, promoting a fair market environment [6][15] - New provisions establish a legal basis for consumer dispute resolution mechanisms, enhancing the protection of consumer rights [7][16] Group 4: Implementing Stronger Regulatory Measures - The revision aims to increase the deterrent effect of administrative penalties by focusing on key individuals and actions that pose significant financial risks [8][18] - It introduces a dual approach of confiscating illegal gains and imposing fines, significantly raising the penalties for violations [8][18] - The scope of legal responsibility is expanded to include not only institutions but also employees, major shareholders, and actual controllers, enhancing accountability [8][18]

二是不断夯实存款保险基础保障功能。坚守"存保为民"理念，紧扣挤兑风险防控的目标导向，深入群 众，贴近基层，聚焦认知薄弱人群和金融生态不佳的重点地区，持之以恒做好存款保险宣传，进一步强 化公众存款有保障的心理预期，提升公众对存款保险的认知度。贯彻落实中央金融工作会议要求，加快 推进基金积累，拓宽基金资金来源，进一步健全存保基金应急补充机制，有力保障中小银行改革化险和 风险处置需要。 北京商报讯（记者 岳品瑜 董晗萱）5月6日，据人民银行官微，中国人民银行党委委员、副行长宣昌能 撰文谈存款保险制度实施十周年。 宣昌能表示，有效的存款保险制度应着力于严肃市场纪律、防范道德风险，风险处置中首先要压实机构 自救的主体责任。展望未来，要保持定力、锐意进取、久久为功，在实践中不断完善存款保险制度功 能，从夯实法律基础、强化保障功能、提升风险防范化解能力、健全风险处置机制等方面，着力推动存 款保险事业高质量发展。 一是推动完善存款保险法律体系。积极研究推进存款保险法立法工作，借助金融法、金融稳定法、《中 国人民银行法》《商业银行法》等立法修法契机，在法律中强化存款保险各项核心职能，明确我国存款 保险定位于金融安全网三支柱之一 ...