manbetx万博

传真:010-56632006
邮箱:webmaster@jurnaldiva.com
     manbetx万博 >> 行业动态
银保监会通报影子银行和交叉金融业务存在的突出问题

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。

银保监会有关部门负责人就通报影子银行和交叉金融业务突出问题答记者问

JINRI,YINBAOJIANHUITONGBAOLEYINGZIYINXINGHEJIAOCHAJINRONGYEWUTUCHUWENTI。YINBAOJIANHUIYOUGUANBUMENFUZERENJIUYOUGUANWENTIHUIDALEJIZHETIWEN。

一、银保监会此次通报影子银行和交叉金融业务突出问题有什么背景?

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”,DUCUYINXINGBAOXIANJIGOUBUDEZAILAZHANGRONGZILIANTIAO、TIGAORONGZICHENGBEN,BUDEZAILIYONGTONGDAODENGFANGSHIGAOZIJINKONGZHUAN、TUOSHIXIANGXU,ERSHIYAOYANGEZHIXINGGUOJIAZHENGCE,TIGAOJINRONGZHICHI“LIUWEN”“LIUBAO”ZHIXIAO。

二、此次通报的主要问题包括哪些?

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

三、如何全面准确理解此次通报的要求?

CICITONGBAOMEIYOUTIXINDEJIANGUANYAOQIU,SUOTIYAOQIUJUNWEIDUIXIANXINGJIANGUANGUIDINGDEZHONGSHENHEQIANGDIAO。LIJIETONGBAOYAOQIU,ZHONGDIANYAOBAWOHAO“YIERWU”。

“YI”,JIUSHIJIANCHIHUIGUIBENYUAN、ZHUANZHUZHUYEZHEIYIHEXINYAOQIU。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、ZHANGQIXIANDEFEIBIAOZICHAN,MUXINGYULICAIZIGONGSIJIANCHANPINHUAZHUANBUHEGUI、LIYISHUSONG、FENGXIANJIAOCHACHUANRAN;SISHIYANJINZIJINWEIGUILIURUGUSHI,WEIGUITOUXIANGFANGDICHANLINGYU、“LIANGGAOYISHENG”DENGXIANZHIXINGLINGYU;WUSHIYANJINBUDANGXUANCHUANHEXIAOSHOU,JIANGDITOUZIZHEZHUNRUMENJIAN,YANZHONGQINHAIJINRONGTOUZIZHEHEXIAOFEIZHEHEFAQUANYI。

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

四、银行保险机构应该如何落实好通报要求?

YISHIYAOLUOSHIZHUTIZEREN。DUIZHAOWENTIQINGDAN,JIANCHI“YOUSHENMEZHENGGAISHENME、QUESHENMEBUSHENME”,MIQIEJIEHEZISHENSHIJI,JIANLITAIZHANG,ZHUYIZHENGGAI。GEYINXINGBAOXIANJIGOUDONGSHIHUIYAODANFUQIZUIZHONGZEREN,DONGSHIZHANGSHIDIYIZERENREN,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、监管机构将如何督促银行保险机构落实好通报要求?

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、如何做好影子银行和交叉金融业务的金融消费者权益保护工作?

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。


打印 】 【 关闭 】 【 点击数 2269 】
首 页 | 关于我们 | manbetx万博 | 业务领域 | 产品结构 | 合作伙伴 | manbetx万博 | 招贤纳士 | 联系我们 Copyright@2013 中国manbetx万博有限公司 版权所有
友情链接: | | | |
本网站已支持IPv6
var _hmt = _hmt || []; (function() { var hm = document.createElement("script"); hm.src = "https://hm.baidu.com/hm.js?78ebdacae9da971faf025645ab77d367"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm, s); })();