境外媒体看监管(一)

大学 作者:保险职业学院 2022-02-02 21:32:36

媒体视角

2021年,境外媒体持续高度关注银行业保险业监管工作成效以及政策动态,进行了多角度的新闻报道。按惯例,我们精选了部分内容,春节期间与您分享。

中国规范商业银行互联网存款业务,不得借助网络手段违反或规避监管

(路透社 2021-1-15)

  China's banking and insurance regulator on Friday banned commercial banks from using third-party internet platforms to sell deposit products, including those relating to fixed-term deposits.

  The move is designed to avoid spillover financial risks brought by the rapid development of the financial technology sector, according to a statement of China's Banking and Regulatory Commission (CBIRC).

  While the takeoff of China's fintech sector has helped such business grow rapidly in recent years, it has brought hidden risks related to information disclosure and product management, the CBIRC said.

 Local lenders attracting deposits nationwide with the help of internet platforms are suspected of violating regulatory rules that limit smaller city banks to drawing business from their home market, the regulator added.

 These, usually high yield, deposit products, are exacerbating a liquidity crunch among lenders, and could be “violating the requirement of interest rate pricing mechanism”, CBIRC said in a separate notice.

银保监会主席郭树清:国际社会指中国搞国家资本主义是“巨大的误解”。

(彭博社 2021-1-19)

  China’s top financial regulator dismissed claims the nation is distorting its economy through “state monopoly capitalism” as pressure grows on China to align more with global trade rules.

  Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, said the accusations are a big “misunderstanding” of how its economy operates.

  Private companies contribute about 60% to the economy but have only half the tax burden of state-owned enterprises, Guo said at the Asian Financial Forum on Monday. It’s impossible for China’s banks to subsidize state-backed companies amid intensified competition in the credit market, he said.

 China on Monday reported economic growth that exceeded its pre-pandemic rates in the fourth quarter, enabling it to post a full-year expansion as major peers suffered contractions. While growth in 2020 was the slowest in four decades, the outperformance meant that China increased its share of the world economy at the fastest pace on record, according to World Bank estimates.

 In the past decade, China contributed nearly 30% on average to the world’s economic growth, Guo said. The competitiveness of Chinese products didn’t come at the cost of hurting its workers’ interest, he said.

中国表示对于金融科技的监管政策并非针对具体公司。

(彭博社 2021-1-22)

  China’s banking regulator said recent measures to rein in financial technology firms that have hit hard at giants such as Jack Ma’s Ant Group Co. weren’t aimed any specific company and have been well received by some in the industry.

  Some of the firms have a “relatively positive attitude” toward the new requirements and have achieved “initial effects” in their “rectification” efforts, Liang Tao, vice chairman of the China Banking and Insurance Regulatory Commission, said at a briefing in Beijing on Friday.

  The new rules, designed to prevent monopolies from being formed as well as unfair competition, are in line with supporting the long-term stable development of private enterprises, Liang said. By taking their own measures, internet platforms can return to a role of serving the real economy and “become an important force” in supporting economic growth, he said.

  Banks and insurers should continue to cooperate normally with internet platforms in compliance with laws and regulations and some lenders that have pulled back should correct their behavior, he said, without elaborating.

  At the same briefing, the regulator’s chief risk officer, Xiao Yuanqi, said officials are monitoring risks at firms engaged in crowd-funding in the health-care sector and will take “corresponding measures.”

  A decision by Meituan to shutter its operations in the field at the end of this month was due to risks in deviating from its main business, he said.

  Financial innovation is a “double-edge sword,” Guo Shuqing, chairman of the regulator, wrote in an article in December. China plans to impose “special and innovative regulatory measures” on financial technology firms to eliminate monopolistic practices and strengthen risk controls, he said.

银保监会办公厅选编

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