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中银保监及人行:商银不得藉非自营网络平台开展定存等业务
阿思达克 01-15 17:19
中国银保监及人民银行发布《关於规范商业银行通过互联网开展个人存款业务有关事项的通知》,指内地商业银行不得通过非自营网络平台开展定期存款等业务,旨为加强对商业银行通过互联网开展个人存款业务的监督管理,维护市场秩序,防范金融风险,保护消费者合法权益。

《通知》重点第一是规范业务经营,要求商业银行依法合规通过互联网开展存款业务,不得借助网络等手段违反或者规避监管规定。商业银行不得通过非自营网络平台开展定期存款和定活两便存款业务。

第二是强化风险管理,商业银行应当加强业务风险评估与监测,强化资产负债管理和流动性风险管理,合理控制负债成本,地方性法人银行要坚守发展定位,立足於服务已设立机构所在区域的客户。

第三是加强消费者保护。商业银行通过互联网开展存款业务应当强化销售管理和网络安全防护,切实保障金融消费者合法权益。第四是严格监督管理。下一步,中国银保监会、人行将加强督促指导,做好《通知》贯彻落实工作,推动商业银行规范开展互联网渠道存款业务。

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