人行就商银法修改建议公开徵求意见 包括完善市场准入条件
人民银行公布,为落实十三届全国人大常委会立法规划,健全金融法治顶层设计,支持金融业稳健发展,人行积极推进《中华人民共和国商业银行法》修改工作,起草了《中华人民共和国商业银行法(修改建议稿)》,现向社会公开徵求意见。
现行《商业银行法》共九章95条。《修改建议稿》共十一章127条,其中整合後新设或充实了四个章节,分别涵盖公司治理、资本与风险管理、客户权益保护、风险处置与市场退出。主要修改内容,第一是完善商业银行类别,扩大立法调整范围;第二是建立分类准入和差异化监管机制。完善商业银行市场准入条件,增加对股东资质和禁入情形的规定。就商业银行分类准入条件作出授权性规定。就引导商业银行专业化发展、差异化风险监管要求等作出具体规定。
第三是完善商业银行公司治理,提升监事会独立性与监督作用,建立监事会向监管机构报告机制。健全内部控制,规范激励约束机制、信息披露与关联交易管理;第四是强化资本与风险管理、第五是完善业务经营规则,突出金融服务实体经济、第六是规范客户权益保护、第七是健全风险处置与市场退出机制。
人行指建议修改《商业银行法》,第一是支持中国银行业快速发展的客观需要,第二是引导银行回归本源、服务实体经济的内在要求,第三是防范化解金融风险、维护金融稳定的迫切需要,第四是坚持市场化导向,建立完善多层次银行体系的必要条件。第五是加强客户权益保护,维护市场公平竞争的现实需求。
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