单靠外部法律和监管的"刚性约束"难以实现长期发展，还需要非银金融机构从内部消除违法违规的 土壤，激发合规管理内生动力，主动识别和纠正潜在问题。 国家金融监督管理总局合规管理课题组近日撰文表示，立法机关和监管部门出台的制度是规范金融 机构经营活动的基础，但不能代替金融机构的内部要求。金融机构有必要在监管规则确定的范围内，结 合自身实际，制定标准更高、要求更细化、更具有针对性的"内规"。 对此，非银金融机构须从制度建设、技术赋能、文化培育等多方面入手，建立自身"内规"制度。 合规管理对于非银金融机构而言，是保障安全稳健运营的基石。当前，非银金融机构在合规管理方 面仍面临诸多挑战。随着科技与金融的深度融合，非银金融机构不断推出具有"数字基因"的新产品和新 服务，这些创新产品在提升服务效率、拓展服务边界的同时，也增加了合规管理的难度，特别是创新业 务往往涉及多个领域，使机构在合规判断上容易出现模糊地带。 2024年12月，国家金融监督管理总局发布《金融机构合规管理办法》（以下简称《办法》）。《办 法》积极引导金融机构建立横向到边、纵向到底的合规管理体系，将合规基因注入金融机构发展决策、 业务经营的全过程、全领域，实现 ...

Core Viewpoint - The non-bank financial institutions in China face significant compliance challenges, leading to administrative penalties due to various operational violations and governance issues [1][2] Group 1: Compliance Challenges - Non-bank financial institutions have been penalized for non-compliance with prudent operational rules, inadequate pre-loan investigations, and governance flaws [1] - Violations include improper fund management, lack of effective verification of leasing assets, and superficial post-loan management practices [1] - The integration of technology in financial services has complicated compliance management, creating ambiguities in regulatory adherence [1] Group 2: Regulatory Framework - The National Financial Regulatory Administration released the "Compliance Management Measures" to guide financial institutions in establishing comprehensive compliance systems [2] - The new regulations aim to shift from passive compliance to proactive governance, emphasizing the need for institutions to understand and implement these policies effectively [2] - Institutions are encouraged to develop internal regulations that exceed basic compliance requirements, tailored to their specific operational contexts [2] Group 3: Internal Regulation Development - Non-bank financial institutions should focus on building internal compliance systems through institutional development, technological empowerment, and cultural cultivation [3] - A clear delineation of responsibilities and a structured compliance framework are essential for effective internal governance [3] - Institutions should create dynamic feedback mechanisms to regularly assess and optimize their internal regulations in response to regulatory changes and market conditions [3] Group 4: Technological Empowerment - Utilizing digital and intelligent technologies can enhance the precision and timeliness of compliance management [4] - Advanced technologies like big data and artificial intelligence can be employed to monitor business activities and identify potential compliance risks [4] - Cultivating a compliance culture within organizations is crucial, integrating compliance education into employee training and promoting a culture that discourages violations [4]