采访蚂蚁集团后中国银行保险监督管理委员会的最新回复！ 建议所有平台进行自我检查和纠正！ _东方财富网

原标题：采访蚂蚁集团后中国银行保险监督管理委员会的最新回应！ 建议所有平台进行自我检查和纠正！严厉打击“虚假创新”，并进行后续检查

概要

[ThelatestresponseoftheChinaBankingandInsuranceRegulatoryCommissionafterAntGroupwasinterviewed!Itisrecommendedthatallplatformsconductself-examinationandrectification!】OnDecember31theheadoftherelevantdepartmentoftheChinaBankingandInsuranceRegulatoryCommissiontoldreportersthatrecentlythefourcentralfinancialmanagementministriesandcommissionsonceagaininterviewedAntGroupandannouncedkeycontentTheoutstandingissuesandrectificationrequirementsemphasizedarenotonlyindividualbutalsocommonSexItisrecommendedthatallInternetplatformsconductself-examinationandcorrectiveactionsassoonaspossibleInparticularinstitutionsinvolvedinonlinemicrofinanceinsurancefinancialmanagementtrustandotherbusinessesmuststepupandtheregulatoryauthoritieswillarrangeinspectionslater(BrokerChina)

Financial regulatory authorities are fully regulatingthe InternetFinancial behavior.

On December 31, the person in charge of the relevant department of the China Banking and Insurance Regulatory Commission told reporters that the four ministries and commissions of the central financial management have recently met againAnt GroupIt also announced key content, highlighted outstanding issues and rectification requirements, not onlypersonality, There is also a certain universality. It is recommended that all Internet platforms conduct self-examination and corrective actions as soon as possible. Especially when it comes to online small loans,Insurance、Financial management、TrustInstitutions waiting for business must hurry up, and the regulatory authorities will arrange inspections later.

Regulatory pairInternet bankingBehavioral strengthening supervision covers deposits, loans,InsuranceAnd many other businesses.The China Banking and Insurance Regulatory Commission removed the Internet platform on the same daybankInternet depositproduct, The regulatory requirements for the development of microfinance business on Internet platforms, the InternetInsuranceRespond to hot issues of current market concern such as management.

The China Banking Regulatory Commission once again emphasized that it will strictly implement supervision. All financial activities must be fully regulated in accordance with the law, operate under a license, and resolutely stop illegal regulatory arbitrage. There can be a certain transition period, but the general direction will not change. We must resolutely encourage fair competition, forcefully break monopolies, prevent disorderly expansion of capital, and promptly and strictly punish violations of laws and regulations. Severe crackdowns on “pseudo-innovation” and “chaotic innovation”, and “zero tolerance” for various violations of laws and regulations.

　　Financial innovation must be carried out under the premise of prudential supervision

The heads of relevant departments of the China Banking and Insurance Regulatory Commission stated that the digital economy is changing human production and lifestyles as never before, and the digital transformation of the financial sector is facing major opportunities and challenges. The deep integration of technology and finance has expanded the coverage of financial services, improved the efficiency of financial services, and improved the level of risk prevention and control. At the same time, the rapid development of financial digitalization has also brought about network security, market monopoly, unclear data ownership, consumer rights protection and other issues, affecting market fairness and financial stability. Regarding the development of financial technology, the China Banking and Insurance Regulatory Commission has always adhered to the attitude of encouraging innovation and adhering to the bottom line of risk, and grasp the dynamic balance between innovation and supervision.

Regarding how financial innovation should be carried out in a standardized manner, in addition to the strict implementation of supervision emphasized above, the person in charge also stated that financial innovation must be carried out under the premise of prudential supervision. Financial innovation must be conducive to serving the real economy, facilitating the production and life of the people, preventing risks, and protecting the legitimate rights and interests of investors. We must adhere to the essential requirements of serving the real economy and the people, and make financial technology an important force that promotes the domestic and international dual cycle.

At the same time, all subjects are treated equally.Legal protectionproperty, PromoteenterpriseFamily spirit stimulates the vitality of market players and social creativity.Equally protect state-owned, private and foreign ownership systems in accordance with the lawCorporate property rightsAnd independent management rights, protected by lawentrepreneurLawful rights and interests, to maintain fair competition through fair supervision.

In addition, we will effectively maintain financial stability and financial security. It is necessary to properly handle the relationship between financial development, financial stability and financial security, to ensure that financial innovation is carried out under the premise of prudential supervision, and to firmly maintain the bottom line of systemic risks.

“my country’s financial technology application is generally in the forefront of the world, and there is no existing experience in laws, regulations and risk supervision.borrowJian. Regarding financial technology supervision, we must adhere to the principle of law and compliance, implement the spirit of the rule of law, improve the regulatory system, fill in the shortcomings of the system, continuously adapt to the development trend of financial digital transformation, and enhance the pertinence, applicability and operability of regulatory measures. “The person in charge said.

　　Study and draft regulatory documents for Internet personal deposits

For some recentbankInternet deposit products have been removed from Internet platforms. The China Banking and Insurance Regulatory Commission stated that commercialbankPromoting the online deposit service is conducive to improving the efficiency of financial services to a certain extent. However, some hidden risks have also been exposed in practice. In particular, there are problems such as inadequate compliance management, imprudent risk management, and inadequate consumer protection in the process of commercial banks cooperating with non-self-operated third-party online platforms to sell deposits. We have regulated this.

“Whether it is offline deposits or online deposits, commercial banks should strictly implement the “Commercial Bank Law”, “Regulations on Savings Management” and other laws and regulations and relevant regulatory requirements, and consciously maintain fair competition order. When commercial banks conduct deposit business, Sales management should be strengthened, and consumers’ right to know and their right to choose freely should not be infringed.” The person in charge of the relevant department of the China Banking and Insurance Regulatory Commission said.

It is particularly noteworthy that according to the China Banking and Insurance Regulatory Commission, recently, the China Banking and Insurance Regulatory Commission and the People’s Bank of China have studied and drafted normative documents on regulating commercial banks’ personal deposit business through the Internet, in accordance with the problem-oriented, orderly regulation, and risk prevention and control thinking. To promote the stable and healthy development of this business, the relevant situation will be announced to the public in due course.

　　Request online small loan companies to conduct self-examination and rectification

The China Banking and Insurance Regulatory Commission issued the Interim Measures for the Administration of Internet Loans of Commercial Banks in July 2020. The “Measures” clarify the principles of small and short-term Internet loans, which arecreditLoan credit limits are set to prevent the risk of rapid rise in the personal leverage ratio of residents, and to put forward regulatory requirements in terms of fund use, loan payment, risk data and models, and consumer rights protection.

At the same time, in terms of the management of cooperative institutions, the “Measures” require commercial banks to establish a unified access mechanism for the whole bank, and implement a list system management by layer and classification. Consolidate the bank’s own risk management responsibilities, and require commercial banks to independently implement credit approval,contractCore risk control links such as signing, core risk control shall not be outsourced to cooperative institutions. Regarding the business model of issuing loans jointly with cooperative institutions, commercial banks are required to strengthen concentration risk management, include the total amount of loans issued jointly with cooperative institutions into limit management, and implement interval management of the proportion of individual loans.

In addition to strengthening the supervision of commercial banks and cooperative institutions on Internet loans, the China Banking and Insurance Regulatory Commission and the Central Bank recently publicly issued the “Interim Measures for the Management of Internet Small Loans (Draft for Comment)” for the Internet small loan business carried out by Internet platforms.

The relevant person in charge of the China Banking and Insurance Regulatory Commission emphasized that in recent years, some Internet platforms have launched online microfinance business, serving small and micro enterprises andIndividual industrial and commercial householdsIt has played an active role in other aspects, but there are also problems such as imperfect corporate governance, using data monopoly to seek special benefits, inducing excessive borrowing, and excessive financing leverage. The draft has basically determined the general principles and direction of the management of online microfinance business. Therefore, online microfinance practitioners are required to conduct self-examination and rectification in accordance with the overall requirements and spirit of the Measures.

　　Regarding the content of self-examination and rectification of online microfinance practitioners, they mainly focus on the following four aspects:

One is self-examination and self-correction of violations. For various violations of laws and regulations discovered in the self-examination, take the initiative to correct and deal with them in strict accordance with relevant laws and regulations and relevant requirements.

The second is to standardize and rectify business. Carry out loan assistance and joint loans in accordance with regulations, and comply with the requirements of the capital contribution ratio.No inducementBorrowerExcessive debt, long borrowing. External financing in accordance with laws and regulations, and controlling financing leverage within a reasonable range.

The third is to grasp the intensity and rhythm. New businesses must be carried out in accordance with new methods and spirits, and existing businesses must be rectified in an orderly manner.

The fourth is to protect the legitimate rights and interests of consumers. Support the development of the real economy without increasing customer financing costs or reducing customer service quality and standards.

　　Promote the InternetInsuranceSupervision measures are effective

In addition to deposits and loans, Internet insurance is also intensified. On December 14, the China Banking and Insurance Regulatory Commission issued the “InternetInsuranceThe Measures for the Supervision of Financial Affairs will be implemented on February 1, 2021.

　　The relevant person in charge of the China Banking and Insurance Regulatory Commission stated that the “Measures” not only prevent business risks but also promote industry innovation. Specifically:

The first is to clarify the nature of the business, clarify the requirements for licensed operations, and effectively regulate business operations.

The second is to standardize marketing and publicity, prevent misleading sales, and help consumers choose the rightInsurance Products。

The third is to refine service standards to effectively protect consumer rights.

The fourth is to put forward targeted requirements and standardizeInternet companiesproxyInsurance business.

The fifth is to clarify the negative list, eliminate gray areas, and crack down on illegal operations. The “Measures” set a transition period based on market conditions, requiring insurance institutions to conduct rectification and reforms to ensure a smooth transition between business and the market.

In the next step, the China Banking and Insurance Regulatory Commission will promptly conduct publicity and training, carry out law enforcement inspections, and promote the implementation of the Measures. Follow up and study new issues in the field of Internet insurance, extensively listen to opinions and suggestions from all quarters, and timely introduce supporting policies, gradually build a three-dimensional Internet insurance system, and promote the sustainable and healthy development of Internet insurance.

(Article Source:BrokerageChina)

(Editor in charge: DF512)