人行就商銀法修改建議公開徵求意見 包括完善市場准入條件
人民銀行公布,為落實十三屆全國人大常委會立法規劃,健全金融法治頂層設計,支持金融業穩健發展,人行積極推進《中華人民共和國商業銀行法》修改工作,起草了《中華人民共和國商業銀行法(修改建議稿)》,現向社會公開徵求意見。
現行《商業銀行法》共九章95條。《修改建議稿》共十一章127條,其中整合後新設或充實了四個章節,分別涵蓋公司治理、資本與風險管理、客戶權益保護、風險處置與市場退出。主要修改內容,第一是完善商業銀行類別,擴大立法調整範圍;第二是建立分類准入和差異化監管機制。完善商業銀行市場准入條件,增加對股東資質和禁入情形的規定。就商業銀行分類准入條件作出授權性規定。就引導商業銀行專業化發展、差異化風險監管要求等作出具體規定。
第三是完善商業銀行公司治理,提升監事會獨立性與監督作用,建立監事會向監管機構報告機制。健全內部控制,規範激勵約束機制、信息披露與關聯交易管理;第四是強化資本與風險管理、第五是完善業務經營規則,突出金融服務實體經濟、第六是規範客戶權益保護、第七是健全風險處置與市場退出機制。
人行指建議修改《商業銀行法》,第一是支持中國銀行業快速發展的客觀需要,第二是引導銀行回歸本源、服務實體經濟的內在要求,第三是防範化解金融風險、維護金融穩定的迫切需要,第四是堅持市場化導向,建立完善多層次銀行體系的必要條件。第五是加強客戶權益保護,維護市場公平競爭的現實需求。
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