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銀保監會通報影子銀行和交叉金融業務存在的突出問題

XIANGGANGWANDETONGXUNSHEBAODAO,JINNIANLAI,ANZHAODANGZHONGYANG、GUOWUYUANGUANYUDAHAOFANGFANHUAJIEJINRONGFENGXIANGONGJIANZHANDEJUECEBUSHU,YINBAOJIANHUICHIXUJIADADUIYINGZIYINXINGHEJIAOCHAJINRONGYEWUJIANGUANLIDU,QUGANGGAN、QUTONGDAO、QULIANTIAOXIAOGUOMINGXIAN,XIANGGUANYEWUZHUBUHUIGUIBENYUAN,FENGXIANCHIXUSHOULIAN。WEIJINYIBUGONGGUSHENHUAYINGZIYINXINGHEJIAOCHAJINRONGYEWUZHENGZHICHENGGUO,JIANJUEJIUZHENGZIJINKONGZHUAN、TUOSHIXIANGXUDENGXINGWEI,TIGAOYINXINGYEBAOXIANYEZHICHI“LIUWEN”“LIUBAO”DEZHIXIAO,JINRI,YINBAOJIANHUIXIANGXITONGNEIGEJIPAICHUJIGOUHEYINXINGBAOXIANJIGOUYINFA《GUANYUJINNIANYINGZIYINXINGHEJIAOCHAJINRONGYEWUJIANGUANJIANCHAFAXIANZHUYAOWENTIDETONGBAO》,TONGBAOLEJINNIANLAIDUIXIANGGUANJIGOUJIANGUANJIANCHAZHONGFAXIANDEYINGZIYINXINGHEJIAOCHAJINRONGYEWULINGYUDETUCHUWENTI,BINGTICHULEGUIFANZHENGGAIDEGONGZUOYAOQIU。

YINBAOJIANHUITONGBAODEWENTIZHUYAOJIZHONGZAI“ZIGUANXINGUI”“LICAIXINGUI”ZHIXINGBUDAOWEI、YEWUFENGXIANGELIBUSHENSHEN、FEIBIAOTOUZIYEWUGUANKONGBULIDENGFANGMIAN。ZAITONGBAOWENTIDETONGSHI,YINBAOJIANHUIDUIGUIFANZHENGGAIYINGZIYINXINGHEJIAOCHAJINRONGYEWUTICHULESIDIANYAOQIU。YISHITIGAOSIXIANGRENSHI,SHULIZHENGQUEFAZHANLINIAN;ERSHITUCHUGONGZUOZHONGDIAN,SHENRUKAIZHANZHENGZHIGONGZUO;SANSHIQIANGHUASHENSHENJINGYING,TUIJINYEWUGUIFANZHUANXING;SISHIQUANMIANPAICHAZHENGGAI,TISHENGJIANGUANGONGZUOZHIXIAO。

YINBAOJIANHUIYAOQIU,GEYINXINGBAOXIANJIGOUYAOLUOSHIZHUTIZEREN,QUANMIANPAICHACUNZAIWENTI,JIANLIZHENGGAITAIZHANG,QIESHIZHENGGAIDAOWEI;YANFANGLVCHALVFAN,JINDINGBENJIGOUYIFANDUOFADEWENTI,JIZHONGLILIANG,YIZHUADAODI,DUIYOULINGBUXING、LVJINBUZHIDEBUMEN、FENZHIJIGOUHERENYUAN,YAOYANSUCHULIHEWENZE;YAOJUYIFANSAN,JIANLIJIANQUANGUANLIJIZHI,JIJIWENTUOTUIJINYOUGUANYEWUGUIFANZHUANXING。

YINBAOJIANHUIQIANGDIAO,GEJIJIANGUANBUMENJIANGBAOCHIJIANGUANDINGLI,JIANCHIYIFAJIANGUAN,CHIZHIYIHENGDAJIYINGZIYINXINGHEJIAOCHAJINRONGYEWULINGYUCHUXIANDEWEIFAWEIGUIXINGWEI,DUIYULUOSHITONGBAOYAOQIUBULIDEYINXINGBAOXIANJIGOU,YAOJISHICAIQUJIANGUANCUOSHI,JIANJUEFANGZHIYINGZIYINXINGHUICHAOHEJIEGOUFUZACHANPINSIHUIFURAN。YAOTONGGUOGUIFANZHENGGAIYINGZIYINXINGHEJIAOCHAJINRONGYEWUTUCHUWENTI,JINYIBUSHUTONGRONGZIQUDAO,YINDAOZIJINGENGGAOZHILIANGFUWUSHITIJINGJI,WEIYIQINGFANGKONG、FUGONGFUCHANHESHITIJINGJIFAZHANTIGONGJINGZHUNJINRONGFUWU。

銀保監會有關部門負責人就通報影子銀行和交叉金融業務突出問題答記者問

JINRI,YINBAOJIANHUITONGBAOLEYINGZIYINXINGHEJIAOCHAJINRONGYEWUTUCHUWENTI。YINBAOJIANHUIYOUGUANBUMENFUZERENJIUYOUGUANWENTIHUIDALEJIZHETIWEN。

一、銀保監會此次通報影子銀行和交叉金融業務突出問題有什么背景?

YINBAOJIANHUICICITONGBAOYINGZIYINXINGHEJIAOCHAJINRONGYEWUDETUCHUWENTI,ZHUYAOCHUZIYUGONGGUSHENHUAYINGZIYINXINGHEJIAOCHAJINRONGYEWUZHENGZHICHENGGUO、TIGAOJINRONGFUWUSHITIJINGJIZHIXIAODEZONGHEKAOLV。

JINGGUOLIANXUSANNIANDUODELUANXIANGZHENGZHI,YINGZIYINXINGHEJIAOCHAJINRONGYEWUYIDAFUYASUO,XIANGGUANYEWUZHUBUHUIGUIBENYUAN,FENGXIANCHIXUSHOULIAN,WEICICIYINGDUIYIQINGCHONGJIDAILAIDEFUZAJUMIAN,CHUANGZAOLEBAOGUIDEZHENGCEKONGJIANHEHUIXUANYUDI。DANJIANGUANJIANCHAYEFAXIAN,GAILINGYURENGRANCUNZAIYIXIEXINLAOWENTI,JUBUFENGXIANYINHUANRENGBURONGHUSHI,SHAOBULIUYIYOUKENENGSIHUIFURAN。

XINGUANYIQINGYILAI,WOMENYISHOUZHUAZHICHIWENQIYE、BAOJIUYE,KUODAXINDAITOUFANG,YISHOUZHUALUANXIANGZHENGZHIHEJIANGUANJIANCHA,LIQIUTONGGUOYOUXIAOJIANGUAN,EZHISHICHANGLIUDONGXINGKUANYUHUANJINGXIAZIJINKONGZHUAN、TUOSHIXIANGXUDEMIAOTOU,YINDAOJINRONGZIYUANGENGJIAJINGZHUNDIJIAOGUANSHITIJINGJI。CICIWOMENTONGBAOYINGZIYINXINGHEJIAOCHAJINRONGYEWULINGYUDETUCHUWENTI,JIUSHIYAOJINYIBUGONGGUSHENHUAYINGZIYINXINGHEJIAOCHAJINRONGYEWUZHENGZHICHENGGUO,CHUANDAOJIANGUANBUMENYANGEJIANGUANYINGZIYINXINGHEJIAOCHAJINRONGYEWUDEYALI,TUIDONGWENTIZHENGGAI,CUJINFENGXIANJINYIBUSHOULIAN;JIUSHIYAOYITUCHUWENTITONGBAO,WEIYINXINGBAOXIANJIGOUXINGWEI“HUACHUHONGXIAN”,DUCUYINXINGBAOXIANJIGOUBUDEZAILACHANGRONGZILIANTIAO、TIGAORONGZICHENGBEN,BUDEZAILIYONGTONGDAODENGFANGSHIGAOZIJINKONGZHUAN、TUOSHIXIANGXU,ERSHIYAOYANGEZHIXINGGUOJIAZHENGCE,TIGAOJINRONGZHICHI“LIUWEN”“LIUBAO”ZHIXIAO。

二、此次通報的主要問題包括哪些?

CICI《TONGBAO》SHIDUIGUOQUJINIANWOMENZAIJIANGUANJIANCHAZHONGFAXIANHECHACHUWENTIDEYIGEJIAOWEIXITONGDESHULI。ZHUYAOBAOKUO“ZIGUANXINGUI”“LICAIXINGUI”ZHIXINGBUDAOWEI,GUODUQIYEWUZHENGGAIBUDAOWEI,XINYEWUWEIBEIJINZHIGANGXINGDUIFUYAOQIUDENG;YEWUFENGXIANGELIBUSHENSHEN,LICAIZIJINWEIGUICHENGJIEBIAONEIBULIANGZICHAN,LICAICHANPINJIANTONGGUOFEIGONGYUNJIAOYIDIAOJIESHOUYIDENG;TONGYEYEWUZHUANYINGJISHOUXINGUANLIBUDAOWEI,TONGYEJIAOYIDUISHOUXUANZEBUSHENSHEN,TONGYETOUZIDUOCENGQIANTAO,YINNIYEWUFENGXIANDENG;FEIBIAOTOUZIYEWUGUANKONGBULI,ZIJINWEIGUILIURUGUSHI,WEIGUITOUXIANGFANGDICHANLINGYU、“LIANGGAOYISHENG”XIANZHIXINGLINGYUDENG;FAXINGDEJINRONGCHANPINCHAOCHUNEIKONGSHUIPINGHEGUANLINENGLI、JINZHIGUANLIBUDAOWEIDENG。TONGSHI,HUANTONGBAOLEJIEGOUXINGCUNKUAN、WEITUODAIKUAN、YINXINYEWU、YINBAOYEWU、XINBAOYEWUJITOUZIZHEBAOHUDENGFANGMIANCUNZAIDETUCHUWENTI。

三、如何全面準確理解此次通報的要求?

CICITONGBAOMEIYOUTIXINDEJIANGUANYAOQIU,SUOTIYAOQIUJUNWEIDUIXIANXINGJIANGUANGUIDINGDEZHONGSHENHEQIANGDIAO。LIJIETONGBAOYAOQIU,ZHONGDIANYAOBAWOHAO“YIERWU”。

“YI”,JIUSHIJIANCHIHUIGUIBENYUAN、ZHUANZHUZHUYEZHEYIHEXINYAOQIU。JIYINXINGBAOXIANJIGOUKAIZHANXINDAI、BAOXIAN、ZIGUANDENGGELEIYEWU,DOUBIXUANQIYEWUSHIZHI、YANGEYIFAYIGUIJINXINGGUANLI。

“ER”,JIUSHI“LIANGGEJIANJUE”。JIJIANJUESHENHUAGAIGE、TUIDONGCHUANGXIN、WANSHANYINGZIYINXINGHEJIAOCHAJINRONGYEWUZHILI,TIGAOJINRONGFUWUSHITIJINGJISHUIPING;JIANJUEDAJIWEIFAWEIGUIXINGWEI,CHIZHIYIHENGCHAIJIEGAOFENGXIANYINGZIYINXINGYEWU,GUIFANZHENGZHIJIEGOUFUZAJINRONGCHANPIN。

“WU”,JIUSHI“WUGEYANJIN”。YISHIYANJINDUOCENGQIANTAOTOUZI、ZIJINKONGZHUAN,JIEGOUFUZACHANPINHEYEWUSIHUIFURAN;ERSHIYANJINJIANGUANTAOLI、JIACHUANGXINHEWEICHUANGXINXINGWEI,FAXINGCHAOCHUFENGKONGSHUIPINGHEGUANLINENGLI、JINZHIGUANLIBUDAOWEIDEJINRONGCHANPIN;SANSHIYANJINXUANZEXINGLUOSHIXINGUIYAOQIU,GUODUQIZHENGGAIBUJIJIBUDAOWEI,GUODUQINEIXINZENGZIJINCHIYUNZUO、CHANGQIXIANDEFEIBIAOZICHAN,MUXINGYULICAIZIGONGSIJIANCHANPINHUAZHUANBUHEGUI、LIYISHUSONG、FENGXIANJIAOCHACHUANRAN;SISHIYANJINZIJINWEIGUILIURUGUSHI,WEIGUITOUXIANGFANGDICHANLINGYU、“LIANGGAOYISHENG”DENGXIANZHIXINGLINGYU;WUSHIYANJINBUDANGXUANCHUANHEXIAOSHOU,JIANGDITOUZIZHEZHUNRUMENJIAN,YANZHONGQINHAIJINRONGTOUZIZHEHEXIAOFEIZHEHEFAQUANYI。

ZAIZHELI,ZAIQIANGDIAOYIXIA,GEYINXINGBAOXIANJIGOUJIYAOJIANDINGBUYIKAIZHANGUIFANZHENGGAI,JIJIZHUDONGTUIDONGZHUANXINGFAZHAN,YOUYAOBAWOJIEZOU,WENTUOYOUXUCHUZHIFENGXIAN,QUEBAOPINGWENGUODU。

四、銀行保險機構應該如何落實好通報要求?

YISHIYAOLUOSHIZHUTIZEREN。DUIZHAOWENTIQINGDAN,JIANCHI“YOUSHENMEZHENGGAISHENME、QUESHENMEBUSHENME”,MIQIEJIEHEZISHENSHIJI,JIANLITAIZHANG,ZHUYIZHENGGAI。GEYINXINGBAOXIANJIGOUDONGSHIHUIYAODANFUQIZUIZHONGZEREN,DONGSHICHANGSHIDIYIZERENREN,GAOGUANCENGYAODANFUQIZHIXINGZEREN,JIANSHIHUIYAODANFUQIJIANDUZEREN,TUIDONGZHENGGAIDAOWEI。

ERSHIYAOYANFANGLVCHALVFAN。JINDINGBENJIGOUYIFANDUOFADEWENTI,JIZHONGLILIANG,YIZHUADAODI。DUIYOULINGBUXING、LVJINBUZHIDEBUMEN、FENZHIJIGOUHERENYUAN,YAOYANSUCHULIHEWENZE,JIANJUEDUJUENEIBUWENZELIUYUXINGSHI、CHULIFUYUBIAOMIANDEXIANXIANG。

SANSHIYAOZUODAOJUYIFANSAN。YAOYIYEWUKANZHIDU、YIJICENGKANSHANGJI、YIXINGWEIKANCAOSHOU,JIANCHIBIANPAICHABIANZHENGGAI、BIANZHENGGAIBIANJIANZHIDU,MIBUGUANLIDUANBAN,WANSHANZHIDUJIZHI,ZUODAOBIAOBENJIANZHI,ZHENZHENGZUODAOHUIGUIBENYUAN、ZHUANZHUZHUYE。

五、監管機構將如何督促銀行保險機構落實好通報要求?

YINBAOJIANHUIJIANGBAOCHIJIANGUANDINGLI,JIANCHIYIFAJIANGUAN,ZONGHEYUNYONGXIANCHANGJIANCHAHEFEIXIANCHANGJIANGUANFANGSHI,DUCUYINXINGBAOXIANJIGOULUOSHITONGBAOYAOQIU,QIESHIGUIFANZHENGGAIYINGZIYINXINGHEJIAOCHAJINRONGYEWU。

YISHIYANMINGJIANGUANDAOXIANG。CHIZHIYIHENGYIFADAJIXIANGGUANLINGYUCHUXIANDEYANZHONGWEIFAWEIGUIXINGWEI,DUIYUDIANXINGWENTIJIADAPUGUANGLIDU,DUIYULUOSHIBULIDEYINXINGBAOXIANJIGOUJISHICAIQUJIANGUANCUOSHI。

ERSHIYANBAZHENGGAIZHILIANG。ZHONGDIANKANJIGOUZHUTIZERENLUOSHISHIFOUDAOWEI、ZHENGGAICUOSHISHIFOUQIESHIYOUXIAO、HEGUIJIZHISHIFOUJIANQUANGUANYONG、FENGXIANCHUZHISHIFOUJIJIWENTUO、WEIFAWEIGUISHIFOUMINGXIANXIAJIANG。

SANSHIJIANCHIFENLEICHULI。DUIZHUDONGFAXIAN、ZHUDONGCHUZHI、ZHUDONGZUOWEIDETIGAOJIANGUANRONGRENDU,DUIJIANGUANFAXIAN、ZHUGUANEYI、LVCHALVFAN、MINGZHIGUFAN、CICHABIFANDEYIFACONGYANCHULI。

六、如何做好影子銀行和交叉金融業務的金融消費者權益保護工作?

YINGZIYINXINGHEJIAOCHAJINRONGCHANPINZHONG,XIANGDANGBUFENJIEGOUJIAOWEIFUZA、FENGXIANSHUIPINGJIAOGAO,YOUDEFENGXIANHENGAO。GEYINXINGBAOXIANJIGOUYAOYANGETOUZIZHESHIDANGXINGGUANLI,JIANJUEDUJUEXIANGDIFENGXIANCHENGDANNENGLIKEHUXIAOSHOUGAOFENGXIANCHANPIN。YAOYANGEPILUXINXI,JIANJUEZHENGZHICHANPINKAIFASHEJI、XIAOSHOUGUOCHENGZHONGCUNZAIDEBUSHENSHEN、BUHEGUIWENTI,YIFABAOHUJINRONGXIAOFEIZHEZHIQINGQUAN、XUANZEQUAN。DUIJINRONGXIAOFEIZHEJIZHONGFANYINGDETUCHUWENTI,YAOJIAQIANGYINGJIGUANLIHEWEIJICHUZHI,JISHITUOSHANCHULIJIUFEN。

JINRONGXIAOFEIZHEZISHENYEYAOCHONGFENRENSHIDAOYINGZIYINXINGHEJIAOCHAJINRONGCHANPINDEFUZAXING、FENGXIANXING,ZENGQIANGFENGXIANYISHI、ZISHENZERENYISHIHEFAZHIYISHI,ZUODAOLIXINGTOUZI、KESHOUQIYUE、YIFAWEIQUAN。TOUZIGUOCHENGZHONGYAOJIANCHI“ZIZHUJUEDING、ZIDANFENGXIAN”DETOUZIYUANZE,BUNENGBAOYOUZHIFUYING、BUFUKUIDEXINTAI。


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