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《经济观察》:新规将进一步降低中国的金融风险

2020-9-15 11:08

 

这是3月13日拍摄的中国人民银行总部大楼。(新华社/ 蔡阳)


北京,9月14日(新华社)——周日,中国发布了新的规则来加强对国家金融控股公司的监管,专家称此举将防止金融领域的风险。


新规定涉及非金融企业和其他有资格的实体,这些实体控制着至少两家跨金融领域开展业务的金融机构,要求它们申请设立金融控股公司,并获得央行——中国人民银行的批准。


根据国务院发布的一份通知,此举旨在堵塞监管漏洞,深化金融改革,维护市场秩序,降低风险,加强对实体经济的支持。


新规定将于2020年11月1日起生效。


虽然一些大型金融机构和非金融企业近年来一直操作金融控股公司进行跨行业投资,金融控股公司没有包括作为一个群体的监管框架,带来金融风险,央行副行长潘功胜星期一告诉新闻发布会。


潘意识到一些管理良好的公司通过金融控股公司优化了资源并降低了成本,他还指出了该领域的不规范行为,包括滥用金融机构的资金和关联方交易的不正当利润。


潘表示,新规则要求非金融企业建立独立的金融控股公司接受监管,有效地在实体经济和金融部门之间建立了防火墙,以减少传染风险。


穆迪投资者服务公司(Moody's Investors Service)高级分析师David Yin在一份研究报告中表示:“新规对中国金融体系的信用有利,因为它将改善围绕金融机构所有权的治理。”


尹指出,这些规定要求透明和简化组织结构,加强对金融控股公司合法性和资金来源的审查,并加强金融控股公司的风险控制、资本管理和信息披露实践。


中国人民银行在一份声明中表示,新规将对金融市场产生积极影响,促进各类机构之间的有序竞争,防范系统性风险。


近年来,中国加大了控制金融风险的力度,打击高风险的影子银行活动,并接管存在危及其偿付能力的违法行为的金融公司。


潘表示,中国的金融监管机构一直在处理明日控股、安邦集团和其他具有金融控股公司特征的公司所暴露的风险。


他补充说,央行将继续推出监管金融控股公司的细则,并与其他监管机构合作,提高金融控股公司服务实体经济的能力。

 

Photo taken on March 13, 2018 shows the headquarters of the People's Bank of China in Beijing, capital of China. (Xinhua/Cai Yang)

BEIJING, Sept. 14 (Xinhua) -- China issued fresh rules on Sunday to tighten regulation of the country's financial holding companies, a move that experts say will forestall risks in the financial sector.

The new regulation concerns non-financial companies and other eligible entities that control at least two financial institutions doing business across financial sectors, requiring them to apply for and gain approval from the central bank, the People's Bank of China (PBOC), to establish financial holding companies.

The move is aimed at plugging regulatory loopholes and deepening financial reforms amid efforts to maintain market order, reduce risks and enhance support for the real economy, according to a notice released by the State Council.

The new rules will be effective from Nov. 1, 2020.

While some large financial groups and non-financial enterprises have been operating as financial holding firms in recent years to conduct cross-industry investments, financial holding companies have not been included as a group in the country's supervision framework, posing financial risks, PBOC Vice Governor Pan Gongsheng told a press briefing Monday.

Recognizing that some well-managed firms have optimized resources and reduced costs by means of financial holding firms, Pan also noted irregularities in the sector, including misuse of funds from financial institutions and improper profits from related-party transactions.

The new rules require non-financial firms to establish separate financial holding companies subject to regulation, effectively putting up a firewall between the real economy and the financial sector to reduce contagion risk, Pan said.

"The new regulation is credit positive for China's financial system as it will improve governance around the ownership of financial institutions," David Yin, senior analyst at Moody's Investors Service, said in a research note.

The rules require transparent and simplified organizational structures, increase scrutiny over financial holding companies' legitimacy and sources of capital, and strengthen the risk-control, capital-management and disclosure practices of financial holding companies, Yin noted.

The new regulation will have a positive impact on the financial market, facilitating orderly competition among all sorts of institutions and forestalling systematic risks, the PBOC said in a statement.

China has been stepping up efforts in recent years to contain financial risks, cracking down on high-risk shadow-banking activities and taking over financial firms with illegal practices that threatened their solvency.

The country's financial regulators have been dealing with risks exposed by Tomorrow Holdings, Anbang Group and other firms with the characteristics of financial holding companies, Pan said.

The central bank will continue to roll out detailed rules governing financial holding firms and work with other regulators to enhance the ability of financial holding firms to serve the real economy, he added.

 

来自: xinhua