境外媒体看监管（二）

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。

（路透社 2021-3-2）

  China's financial technology companies are expected to meet capital adequacy requirements within a maximum of two years, said Guo Shuqing, head of the China Banking and Insurance Regulatory Commission (CBIRC) on Tuesday.

 Micro lenders, consumer finance firms and banks operated by internet platforms should all have adequate capital like other financial institutions, Guo said at a news conference.

  Chinese financial regulators have rolled out a slew of measures since last year to tighten the oversight of online lending practices in the country, particularly of technology firms looking to expand into the financial space, moving away from its once laissez-faire approach.

  "Starting a business needs capital, so does starting a financial business," Guo said. “As long as internet platforms conduct financial operations the requirement of capital adequacy ratio on them should be the same as financial institutions."

  Financial regulators have set various grace periods for different internet platforms, according to Guo. Some have until the end of 2020 and others until the middle of 2021 to meet capital adequacy requirements, he said.

  "But by a maximum of two years, (the capital adequacy of) all platforms should be back on track, Guo added.

    中国发文禁止小贷公司向大学生发放互联网消费贷，已放贷款不展期（路透社 2021-3-17）

   China's top banking regulator said on Wednesday it had banned micro lenders from granting new consumer loans to college students over concerns of over-lending and financial risks.

   It also urged micro lenders to gradually reduce existing loans to students, and banned institutions without financial licenses from offering credit services to college students, according to a statement on its website.

  The statement was jointly released by five government agencies including the China Banking and Insurance Regulatory Commission (CBIRC), the People's Bank of China and the Ministry of Public Security.

   Chinese financial regulators have long warned of the risks brought by easy access to loans via manifold consumer apps, and rolled out a slew of measures since last year to tighten the oversight of online lending practices.

  The campaign was particularly targeted at technology firms looking to expand into the financial space, and led to the suspension of Ant Group's $37 billion initial public offering last year. It generated 40% of its profits from its two major online micro lending units.

 Traditional banks and consumer finance firms should also tighten their risk controls involving student clients, and make sure they have a second source of debt repayment, the statement said.

  "We should resolutely curb the internet platforms to 'harvest' college students, and safeguard their rights and interests", the CBIRC said in a separate statement.

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责任编辑：王琨宁