普惠金融应用核心原则指引  

Guidance on the Application of the Core Principles for Effective Banking Supervision for Inclusive Finance

作　　者：李均锋 邱艳芳 张弘 

机构地区：[1]中国银监会普惠金融部

出　　处：《金融监管研究》2017年第2期1-20,共20页Financial Regulation Research

摘　　要：《有效银行监管核心原则》是巴塞尔银行监管委员会发布的在全球具有广泛适用性的银行监管国际标准。2016年,巴塞尔委员会依据第三版《有效银行监管核心原则》,结合普惠金融有关核心原则调查成果,编制了《有效银行监管核心原则在普惠金融领域的应用指引》(《指引》)。《指引》梳理回顾了29条核心原则中19条普惠金融相关原则,详细阐述了如何运用监管匹配性原则,对从事薄弱领域金融服务的机构及其业务活动实施监管,也涉及消费者保护、反洗钱、金融反恐等内容。《指引》强调机构间应当加强合作,制定明确、匹配的规则,减少监管重叠、监管真空和监管套利。对于承担发展普惠金融职责的监管机构,要考虑金融排斥对整个金融体系安全稳健运行带来的潜在风险,将普惠金融发展政策与适当的消费者保护政策措施相结合。《指引》的出台,旨在帮助监管机构更好地适应金融机构服务金融薄弱领域过程中产品、服务和渠道的变革与创新。The Core Principles for Effective Banking Supervision are a set of international standards on banking regulation established by the Basel Committee on Banking Supervision. In 2016, based on results of the survey on the regulation and supervision of institutions relevant to financial inclusion, the Basel Committee issued Guidance on the Application of the Core Principles for Effective Banking Supervision（2012） to the Regulation and Supervision of Institutions relevant to Financial Inclusion. The Guidance identified 19 of the total 29 Core Principles which have specific relevance to financial inclusion, and guides prudential supervisors on the application of a proportionate regulation approach with respect to financial institutions engaged in financial inclusion. The Guidance also addresses issues related to consumer protection, anti-money laundering and combating the financing of terrorism（AML/CFT）. According to the Guidance, cooperation and coordination among these regulators and supervisors is the key to develop an effective regulatory framework for financial institutions relevant to financial inclusion, in particular to design informed and proportionate rules, and to minimize supervisory overlaps, supervisory gaps as well as supervisory arbitrage. Prudential supervisors of financial inclusion should be aware of risks that financial exclusion may pose to the safety and soundness of the financial system, and integrate consumer protection policy with financial inclusion objective. The Guidance may also help supervisors respond to innovations of products, services and delivery channels designed for underserved customers

关 键 词：有效银行监管 普惠金融 匹配性原则 

分 类 号：F832.35[经济管理—金融学]