中銀保監及人行:商銀不得藉非自營網絡平台開展定存等業務
中國銀保監及人民銀行發布《關於規範商業銀行通過互聯網開展個人存款業務有關事項的通知》,指內地商業銀行不得通過非自營網絡平台開展定期存款等業務,旨為加強對商業銀行通過互聯網開展個人存款業務的監督管理,維護市場秩序,防範金融風險,保護消費者合法權益。
《通知》重點第一是規範業務經營,要求商業銀行依法合規通過互聯網開展存款業務,不得借助網絡等手段違反或者規避監管規定。商業銀行不得通過非自營網絡平台開展定期存款和定活兩便存款業務。
第二是強化風險管理,商業銀行應當加強業務風險評估與監測,強化資產負債管理和流動性風險管理,合理控制負債成本,地方性法人銀行要堅守發展定位,立足於服務已設立機構所在區域的客戶。
第三是加強消費者保護。商業銀行通過互聯網開展存款業務應當強化銷售管理和網絡安全防護,切實保障金融消費者合法權益。第四是嚴格監督管理。下一步,中國銀保監會、人行將加強督促指導,做好《通知》貫徹落實工作,推動商業銀行規範開展互聯網渠道存款業務。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.