{"id":49323,"date":"2026-03-20T12:28:01","date_gmt":"2026-03-20T11:28:01","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49323"},"modified":"2026-04-27T14:29:15","modified_gmt":"2026-04-27T12:29:15","slug":"%e9%93%b6%e8%a1%8c%e4%b8%9a%e6%b3%95%e8%a7%84-%e9%87%91%e8%9e%8d%e6%9c%ba%e6%9e%84%e7%bb%bc%e5%90%88%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/banking-industry-regulations-a-comprehensive-guide-for-financial-institutions\/","title":{"rendered":"\u91d1\u878d\u673a\u6784\u5982\u4f55\u624d\u80fd\u9075\u5b88\u94f6\u884c\u6cd5\u89c4\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e5%a6%82%e4%bd%95%e5%88%9b%e5%8a%9e%e8%87%aa%e5%b7%b1%e7%9a%84%e7%a7%81%e4%ba%ba%e9%93%b6%e8%a1%8c\/\" target=\"_self\">\u94f6\u884c\u4e1a<\/a> \u884c\u4e1a\u76d1\u7ba1\u7684\u5b58\u5728\u6709\u4e09\u4e2a\u6839\u672c\u539f\u56e0\uff1a\u4fdd\u969c\u91d1\u878d\u7a33\u5b9a\u3001\u4fdd\u62a4\u6d88\u8d39\u8005\u514d\u53d7\u4e0d\u5f53\u884c\u4e3a\u4fb5\u5bb3\uff0c\u4ee5\u53ca\u63a7\u5236\u53ef\u80fd\u6ce2\u53ca\u6574\u4e2a\u7ecf\u6d4e\u4f53\u7684\u7cfb\u7edf\u6027\u98ce\u9669\u30022008 \u5e74\u7684\u5168\u7403\u91d1\u878d\u5371\u673a\u8868\u660e\uff0c\u5f53\u8d44\u672c\u7f13\u51b2\u88ab\u8bc1\u660e\u4e0d\u8db3\uff0c\u98ce\u9669\u6760\u6746\u5c06\u635f\u5931\u6269\u5927\u5230\u5168\u7403\u8303\u56f4\u7684\u5d29\u6e83\u65f6\uff0c\u4f1a\u53d1\u751f\u4ec0\u4e48\u3002\u6700\u8fd1\uff0c2023 \u5e74\u7f8e\u56fd\u7845\u8c37\u94f6\u884c\u548c Signature \u94f6\u884c\u7684\u5012\u95ed\uff0c\u4ee5\u53ca\u745e\u58eb\u4fe1\u8d37\u94f6\u884c\u7684\u5012\u95ed\uff0c\u66b4\u9732\u4e86\u4e2d\u578b\u673a\u6784\u7684\u8106\u5f31\u6027\uff0c\u518d\u6b21\u6fc0\u53d1\u4e86\u5bf9\u66f4\u4e25\u683c\u76d1\u7ba1\u7684\u9700\u6c42\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u4ee5\u82f1\u5f0f\u82f1\u8bed\u64b0\u5199\uff0c\u9762\u5411\u94f6\u884c\u3001\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u548c\u5176\u4ed6\u53d7\u76d1\u7ba1\u673a\u6784\u7684\u4e13\u4e1a\u4eba\u58eb\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e6%b7%b1%e5%85%a5%e5%88%86%e6%9e%90%e6%8b%a5%e6%9c%89%e4%b8%80%e5%ae%b6%e9%93%b6%e8%a1%8c%e7%9a%84%e5%88%a9%e6%b6%a6%e6%9c%89%e5%a4%9a%e9%ab%98\/\" target=\"_self\">\u91d1\u878d\u673a\u6784<\/a> \u5bfb\u6c42\u660e\u786e\u5f53\u524d\u7684\u76d1\u7ba1\u73af\u5883\u3002\u6b27\u6d32\u548c\u745e\u58eb\u7684\u8bb8\u591a\u673a\u6784\u76ee\u524d\u90fd\u5728\u79ef\u6781\u5bfb\u6c42\u975e\u7f8e\u56fd\u548c\u975e\u4e2d\u56fd\u7684\u6280\u672f\u5408\u4f5c\u4f19\u4f34\uff0c\u4ee5\u4fdd\u62a4\u6570\u636e\u4e3b\u6743\u5e76\u7b26\u5408\u5f53\u5730\u76d1\u7ba1\u673a\u6784\u7684\u671f\u671b\u3002\u745e\u58eb InvestGlass \u516c\u53f8 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%b8%bb%e6%9d%83%e7%9a%84%e5%90%ab%e4%b9%89\/\" target=\"_self\">\u4e3b\u6743<\/a> \u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\uff08CRM\uff09\u548c\u81ea\u52a8\u5316\u5e73\u53f0\u662f\u8fd9\u4e00\u8d8b\u52bf\u7684\u5178\u8303\uff0c\u5b83\u4f7f\u53d7\u76d1\u7ba1\u516c\u53f8\u80fd\u591f\u5728\u4fdd\u6301\u5bf9\u5ba2\u6237\u6570\u636e\u5168\u9762\u63a7\u5236\u7684\u540c\u65f6\uff0c\u5b9e\u73b0\u5408\u89c4\u64cd\u4f5c\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png\" alt=\"InvestGlass-\u5f00\u653e\u94f6\u884c\" class=\"wp-image-47981\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-300x168.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white.png 1042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass-\u5f00\u653e\u94f6\u884c<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5404\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u76d1\u7ba1\u60c5\u51b5\u5927\u4e0d\u76f8\u540c\uff0c\u91d1\u878d\u76d1\u7ba1\u89c4\u5b9a\u4e86\u94f6\u884c\u4e1a\u52a1\u7684\u6cd5\u5f8b\u6846\u67b6\u548c\u5408\u89c4\u8981\u6c42\u3002\u7f8e\u56fd\u5b9e\u884c\u590d\u6742\u7684\u8054\u90a6-\u5dde\u53cc\u91cd\u4f53\u5236\uff0c\u6743\u529b\u91cd\u53e0\uff0c\u8054\u90a6\u548c\u5dde\u4e24\u7ea7\u7684\u94f6\u884c\u76d1\u7ba1\u673a\u6784\u8d1f\u8d23\u76d1\u7763\u548c\u76d1\u7ba1\u94f6\u884c\u3001\u6267\u884c\u94f6\u884c\u6cd5\u5e76\u786e\u4fdd\u5408\u89c4\u3002\u6b27\u76df\u901a\u8fc7\u6b27\u6d32\u4e2d\u592e\u94f6\u884c\u96c6\u4e2d\u5bf9\u91cd\u8981\u673a\u6784\u8fdb\u884c\u5ba1\u614e\u76d1\u7ba1\uff0c\u800c\u56fd\u5bb6\u5f53\u5c40\u5219\u8d1f\u8d23\u5904\u7406\u89c4\u6a21\u8f83\u5c0f\u7684\u673a\u6784\u3002\u82f1\u56fd\u8131\u6b27\u540e\u4f9d\u9760\u5ba1\u614e\u76d1\u7ba1\u5c40\u548c\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40\u3002\u745e\u58eb\u5f3a\u8c03\u745e\u58eb\u91d1\u878d\u5e02\u573a\u76d1\u7ba1\u5c40\u4e0e\u745e\u58eb\u56fd\u5bb6\u94f6\u884c\u5171\u540c\u8d1f\u8d23\u5177\u6709\u7cfb\u7edf\u91cd\u8981\u6027\u7684\u94f6\u884c\u3002\u5728\u8fd9\u4e9b\u5730\u533a\uff0c\u94f6\u884c\u6cd5\u662f\u89c4\u8303\u94f6\u884c\u548c\u91d1\u878d\u673a\u6784\u7684\u7ec4\u7ec7\u3001\u8fd0\u8425\u3001\u76d1\u7ba1\u548c\u5408\u89c4\u7684\u7efc\u5408\u6cd5\u5f8b\u6846\u67b6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u672c\u6587\u6d89\u53ca\u7684\u4e3b\u8981\u76d1\u7ba1\u4e3b\u9898\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df4\u585e\u5c14\u534f\u8bae\u4e09\u300b\u4e0b\u7684\u8d44\u672c\u5145\u8db3\u7387\u548c\u5ba1\u614e\u6807\u51c6<\/li>\n\n\n\n<li>\u884c\u4e3a\u89c4\u5219\u548c\u6d88\u8d39\u8005\u4fdd\u62a4\u6846\u67b6<\/li>\n\n\n\n<li>\u53cd\u6d17\u94b1\u548c\u5236\u88c1\u5408\u89c4<\/li>\n\n\n\n<li>\u91d1\u878d\u79d1\u6280\u3001\u6570\u5b57\u8d44\u4ea7\u548c <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e9%93%b6%e8%a1%8c%e5%8d%b3%e6%9c%8d%e5%8a%a1-baas-%e5%a6%82%e4%bd%95%e8%bf%90%e4%bd%9c\/\" target=\"_self\">\u94f6\u884c\u5373\u670d\u52a1<\/a> \u76d1\u7763<\/li>\n\n\n\n<li>\u8de8\u5883\u6d3b\u52a8\u3001\u6570\u636e\u4fdd\u62a4\u548c\u4e1a\u52a1\u590d\u539f\u529b<\/li>\n\n\n\n<li>\u6280\u672f\u7ba1\u7406\u548c\u6570\u636e\u4e3b\u6743\u8981\u6c42<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-oversight-structure-for-financial-institutions-in-key-jurisdictions\">\u4e3b\u8981\u53f8\u6cd5\u7ba1\u8f96\u533a\u7684\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u7ed3\u6784<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u4e3b\u8981\u91d1\u878d\u4e2d\u5fc3\u4e4b\u95f4\u5982\u4f55\u5206\u914d\u76d1\u7ba1\u8d23\u4efb\uff0c\u5bf9\u4efb\u4f55\u5f00\u5c55\u56fd\u9645\u4e1a\u52a1\u7684\u673a\u6784\u90fd\u81f3\u5173\u91cd\u8981\u3002\u7f8e\u56fd\u3001\u6b27\u76df\u3001\u82f1\u56fd\u548c\u745e\u58eb\u7684\u76d1\u7ba1\u7ed3\u6784\u5b58\u5728\u660e\u663e\u5dee\u5f02\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7f8e\u56fd\uff0c\u53cc\u91cd\u94f6\u884c\u4f53\u7cfb\u5c06\u5ba1\u614e\u76d1\u7ba1\u5206\u914d\u7ed9\u8054\u90a6\u673a\u6784\uff0c\u5982\u8054\u90a6\u50a8\u5907\u59d4\u5458\u4f1a\u8d1f\u8d23\u94f6\u884c\u63a7\u80a1\u516c\u53f8\uff0c\u8d27\u5e01\u76d1\u7406\u7f72\u8d1f\u8d23\u5168\u56fd\u6027\u94f6\u884c\uff0c\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\u8d1f\u8d23\u5b58\u6b3e\u4fdd\u9669\u548c\u89e3\u51b3\u65b9\u6848\u3002\u5dde\u76d1\u7ba1\u673a\u6784\u8d1f\u8d23\u76d1\u7ba1\u5dde\u7279\u8bb8\u94f6\u884c\uff0c\u5f62\u6210\u4e86\u4e00\u79cd\u9700\u8981\u534f\u8c03\u7684\u5206\u5c42\u65b9\u6cd5\u3002\u8054\u90a6\u50a8\u5907\u7cfb\u7edf\u548c\u8054\u90a6\u50a8\u5907\u94f6\u884c\u5728\u8d27\u5e01\u653f\u7b56\u4ee5\u53ca\u5bf9\u6210\u5458\u94f6\u884c\u548c\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u7684\u76d1\u7ba1\u65b9\u9762\u53d1\u6325\u7740\u6838\u5fc3\u4f5c\u7528\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba1\u614e\u76d1\u7ba1\u673a\u6784\u4e0e\u884c\u4e3a\u76d1\u7ba1\u673a\u6784\u4e4b\u95f4\u7684\u533a\u522b\u81f3\u5173\u91cd\u8981\u3002\u5ba1\u614e\u76d1\u7ba1\u673a\u6784\u5173\u6ce8\u8d44\u672c\u3001\u6d41\u52a8\u6027\u548c\u590d\u539f\u529b\u3002\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\u7b49\u884c\u4e3a\u548c\u6d88\u8d39\u8005\u4fdd\u62a4\u76d1\u7ba1\u673a\u6784\u5219\u6839\u636e\u300a\u771f\u5b9e\u501f\u8d37\u6cd5\u300b\u548c\u300a\u516c\u5e73\u4fe1\u7528\u62a5\u544a\u6cd5\u300b\u7b49\u6cd5\u5f8b\u6267\u884c\u62ab\u9732\u8981\u6c42\u548c\u516c\u5e73\u501f\u8d37\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5404\u8f96\u533a\u7684\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u7ba1\u8f96\u6743<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u5ba1\u614e\u76d1\u7ba1\u673a\u6784<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u884c\u4e3a\u76d1\u7ba1\u673a\u6784<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u4e3b\u8981\u673a\u6784<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7f8e\u56fd<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7f8e\u56fd\u8054\u90a6\u50a8\u5907\u59d4\u5458\u4f1a\u3001\u7f8e\u56fd\u8d27\u5e01\u76d1\u7406\u7f72\u3001\u7f8e\u56fd\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CFPB<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8054\u90a6\u94f6\u884c\u76d1\u7ba1\u673a\u6784<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6b27\u6d32\u8054\u76df<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u6b27\u6d32\u4e2d\u592e\u94f6\u884c\u3001\u56fd\u5bb6\u5f53\u5c40<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u6b27\u6d32\u5f8b\u5e08\u534f\u4f1a\u3001\u56fd\u5bb6\u4e3b\u7ba1\u90e8\u95e8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5355\u4e00\u76d1\u7763\u673a\u5236<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u82f1\u56fd<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>PRA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FCA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u82f1\u683c\u5170\u94f6\u884c<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u745e\u58eb<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u82ac\u5170\u91d1\u878d\u7ba1\u7406\u5c40<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u82ac\u5170\u91d1\u878d\u7ba1\u7406\u5c40<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u745e\u58eb\u56fd\u5bb6\u94f6\u884c<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u6bcd\u56fd\u548c\u4e1c\u9053\u56fd\u76d1\u7ba1\u673a\u6784\u7ec4\u6210\u7684\u76d1\u7ba1\u5b66\u9662\u4fc3\u8fdb\u4e86\u5bf9\u56fd\u9645\u6d3b\u8dc3\u96c6\u56e2\u7684\u8de8\u5883\u76d1\u7763\u3002\u5df4\u585e\u5c14\u94f6\u884c\u76d1\u7ba1\u59d4\u5458\u4f1a\u5236\u5b9a\u4e86\u300a\u5df4\u585e\u5c14\u534f\u8bae III\u300b\u7b49\u5168\u7403\u6807\u51c6\uff0c\u4f46\u5404\u5730\u533a\u7684\u6267\u884c\u60c5\u51b5\u4e0d\u5c3d\u76f8\u540c\u3002\u8fd9\u4e9b\u673a\u6784\u73b0\u5728\u5c06\u5ba1\u67e5\u8303\u56f4\u6269\u5927\u5230\u6280\u672f\u7ba1\u7406\uff0c\u8981\u6c42\u5236\u5b9a\u5065\u5168\u7684\u5916\u5305\u653f\u7b56\u3001\u7b2c\u4e09\u65b9\u98ce\u9669\u8bc4\u4f30\u548c\u6570\u636e\u4fdd\u62a4\u63a7\u5236\u63aa\u65bd\u3002\u8fd9\u76f4\u63a5\u5f71\u54cd\u5230\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u5e73\u53f0\u548c\u5165\u804c\u7cfb\u7edf\u5fc5\u987b\u5982\u4f55\u8bbe\u8ba1\uff0c\u4ee5\u5b9e\u73b0\u53ef\u5ba1\u8ba1\u6027\u548c\u4e3b\u6743\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-banking-laws-prudential-rules-and-basel-iii-framework\">\u4e3b\u8981\u94f6\u884c\u6cd5\u3001\u5ba1\u614e\u89c4\u5219\u548c\u5df4\u585e\u5c14\u534f\u8bae III \u6846\u67b6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba1\u614e\u76d1\u7ba1\u662f\u5168\u7403\u94f6\u884c\u4e1a\u76d1\u7ba1\u7684\u652f\u67f1\u3002\u6838\u5fc3\u652f\u67f1\u5305\u62ec\u8d44\u672c\u5145\u8db3\u7387\u3001\u6d41\u52a8\u6027\u8986\u76d6\u7387\u3001\u6760\u6746\u6bd4\u7387\u548c\u98ce\u9669\u655e\u53e3\u9650\u989d\uff0c\u6240\u6709\u8fd9\u4e9b\u90fd\u4ee5 2008 \u5e74\u540e\u542f\u52a8\u5e76\u4e8e 2017 \u5e74\u6700\u7ec8\u5b8c\u6210\u7684\u5df4\u585e\u5c14\u534f\u8bae\u4e09\u6539\u9769\u4e3a\u57fa\u7840\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e\u300a\u5df4\u585e\u5c14\u534f\u8bae III\u300b\uff0c\u5b58\u6b3e\u673a\u6784\u548c\u53d7\u4fdd\u5b58\u6b3e\u673a\u6784\u5fc5\u987b\u5c06\u666e\u901a\u80a1\u4e00\u7ea7\u8d44\u672c\u7ef4\u6301\u5728\u98ce\u9669\u52a0\u6743\u8d44\u4ea7\u7684\u81f3\u5c11 4.5% \u7684\u6c34\u5e73\uff0c\u603b\u8d44\u672c\u4e3a 8%\u3002\u989d\u5916\u7684\u7f13\u51b2\u4e5f\u9002\u7528\uff0c\u5305\u62ec 2.5% \u7684\u4fdd\u62a4\u7f13\u51b2\u548c\u9ad8\u8fbe 3.5% \u7684\u53cd\u5468\u671f\u7f13\u51b2\u3002\u5168\u7403\u7cfb\u7edf\u91cd\u8981\u6027\u94f6\u884c\u9762\u4e34 1% \u81f3 3.5% \u7684\u9644\u52a0\u8d39\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d41\u52a8\u6027\u89c4\u5219\u5305\u62ec\u6d41\u52a8\u6027\u8986\u76d6\u7387\uff0c\u8981\u6c42\u56fd\u9645\u6d3b\u8dc3\u94f6\u884c\u7684\u9ad8\u8d28\u91cf\u6d41\u52a8\u6027\u8d44\u4ea7\u8986\u76d6 30 \u5929\u538b\u529b\u6d41\u51fa\u91cf 100%\u3002\u51c0\u7a33\u5b9a\u8d44\u91d1\u6bd4\u7387\u786e\u4fdd\u7a33\u5b9a\u8d44\u91d1\u4e0e\u4e00\u5e74\u4ee5\u4e0a\u7684\u8d44\u4ea7\u5230\u671f\u65e5\u76f8\u5339\u914d\u3002\u8fd9\u4e9b\u8981\u6c42\u5728 2023 \u5e74\u88ab\u8bc1\u660e\u662f\u81f3\u5173\u91cd\u8981\u7684\uff0c\u5f53\u65f6\u7845\u8c37\u94f6\u884c\u7684 LCR \u5728\u65e0\u62c5\u4fdd\u5b58\u6b3e\u6324\u5151\u7684\u60c5\u51b5\u4e0b\u66b4\u8dcc\u81f3 80% \u4ee5\u4e0b\uff0c\u5bfc\u81f4\u5176\u5012\u95ed\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6760\u6746\u6bd4\u7387\u4e3a 3% \u4e00\u7ea7\u8d44\u672c\u4e0e\u603b\u98ce\u9669\u655e\u53e3\u4e4b\u6bd4\uff0c\u8d77\u5230\u975e\u98ce\u9669\u652f\u6301\u4f5c\u7528\u3002\u8fd9\u53ef\u4ee5\u9632\u6b62\u98ce\u9669\u52a0\u6743\u8ba1\u7b97\u4e2d\u7684\u6a21\u578b\u8fc7\u4e8e\u4e50\u89c2\u3002\u7f8e\u56fd\u300a\u5df4\u585e\u5c14\u534f\u8bae III\u300b\u7684\u7ec8\u5c40\u5efa\u8bae\u4e8e 2023 \u5e74 7 \u6708\u63d0\u51fa\uff0c\u5c06\u4e8e 2026 \u5e74\u521d\u5b9a\u7a3f\uff0c\u8be5\u5efa\u8bae\u5f15\u5165\u4e86\u91cd\u5927\u53d8\u5316\uff0c\u5305\u62ec 72.5% \u7684\u4ea7\u51fa\u4e0b\u9650\uff0c\u9650\u5236\u4e86\u5185\u90e8\u6a21\u578b\u6536\u76ca\uff0c\u5e76\u4fee\u8ba2\u4e86\u6807\u51c6\u5316\u4fe1\u7528\u98ce\u9669\u65b9\u6cd5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b27\u76df\u7684 CRR3 \u548c CRD6 \u4ece 2025 \u5e74\u5f00\u59cb\u9010\u6b65\u5b9e\u65bd\uff0c\u90e8\u5206\u5185\u5bb9\u63a8\u8fdf\u5230 2026 \u5e74 1 \u6708\u3002\u82f1\u56fd\u5728\u8131\u6b27\u540e\u4ecd\u575a\u6301\u81ea\u5df1\u7684\u6267\u884c\u65b9\u5f0f\uff0c\u5728\u7ade\u4e89\u529b\u4e0e\u5ba1\u614e\u7a33\u5065\u6027\u4e4b\u95f4\u4fdd\u6301\u5e73\u8861\u3002\u745e\u58eb\u4e3a\u745e\u58eb\u8054\u5408\u94f6\u884c\u91cf\u8eab\u5b9a\u5236\u4e86 CET1 \u76ee\u6807\u7ea6\u4e3a 14% \u7684\u8981\u6c42\uff0c\u5e76\u5bf9\u5dde\u94f6\u884c\u548c\u8054\u90a6\u50a8\u84c4\u534f\u4f1a\u9002\u7528\u7279\u5b9a\u89c4\u5219\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e3b\u8981\u5ba1\u614e\u6bd4\u7387\u53ca\u5176\u5bf9\u4e1a\u52a1\u7684\u5f71\u54cd\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CET1 \u6bd4\u7387\uff08\u6700\u4f4e 4.5% \u52a0\u7f13\u51b2\uff09\uff1a\u51b3\u5b9a\u8d37\u6b3e\u80fd\u529b\u548c\u5206\u7ea2\u9650\u5236<\/li>\n\n\n\n<li>LCR (100%)\uff1a\u5f71\u54cd\u65e5\u5e38\u6d41\u52a8\u6027\u7ba1\u7406\u548c\u8bc1\u5238\u4fe1\u8d37\u51b3\u7b56<\/li>\n\n\n\n<li>NSFR (100%)\uff1a\u5851\u9020\u7b79\u8d44\u6218\u7565\u548c\u671f\u9650\u5339\u914d<\/li>\n\n\n\n<li>\u6760\u6746\u6bd4\u7387\uff083%\uff09\uff1a\u9632\u6b62\u8d44\u4ea7\u8d1f\u503a\u8868\u8fc7\u5ea6\u6269\u5f20<\/li>\n\n\n\n<li>\u5927\u989d\u98ce\u9669\u9650\u989d\uff08\u4e00\u7ea7\u8d44\u672c\u7684 25%\uff09\uff1a\u5bf9\u5355\u4e00\u4ea4\u6613\u5bf9\u624b\u7684\u96c6\u4e2d\u98ce\u9669\u8bbe\u5b9a\u4e0a\u9650\uff0c\u5e76\u9650\u5236\u5411\u5185\u90e8\u4eba\u5458\uff08\u5305\u62ec\u4e3b\u8981\u80a1\u4e1c\u548c\u9ad8\u7ba1\uff09\u63d0\u4f9b\u8d37\u6b3e\uff0c\u4ee5\u9632\u6b62\u5173\u8054\u65b9\u4ea4\u6613\u5e26\u6765\u8fc7\u9ad8\u7684\u98ce\u9669<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u662f\u89c4\u6a21\u8f83\u5c0f\u7684\u79c1\u4eba\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u673a\u6784\uff0c\u4e5f\u5fc5\u987b\u4f7f\u5176\u98ce\u9669\u7ba1\u7406\u3001\u62a5\u544a\u548c\u6570\u636e\u7ed3\u6784\u4e0e\u8fd9\u4e9b\u5ba1\u614e\u89c4\u5219\u4fdd\u6301\u4e00\u81f4\u3002InvestGlass \u7b49\u96c6\u6210\u7cfb\u7edf\u53ef\u4ee5\u901a\u8fc7\u7b80\u5316\u98ce\u9669\u6570\u636e\u6c47\u603b\u548c\u76d1\u7ba1\u62a5\u544a\u6765\u4fc3\u8fdb\u8fd9\u79cd\u8c03\u6574\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deposit-insurance-and-financial-stability\">\u5b58\u6b3e\u4fdd\u9669\u4e0e\u91d1\u878d\u7a33\u5b9a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b58\u6b3e\u4fdd\u9669\u662f\u73b0\u4ee3\u94f6\u884c\u4e1a\u76d1\u7ba1\u6846\u67b6\u7684\u57fa\u77f3\uff0c\u65e8\u5728\u4fdd\u62a4\u5b58\u6b3e\u4eba\u548c\u7ef4\u62a4\u4eba\u4eec\u5bf9\u91d1\u878d\u4f53\u7cfb\u7684\u4fe1\u5fc3\u3002\u5728\u7f8e\u56fd\uff0c\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\uff08FDIC\uff09\u662f\u8d1f\u8d23\u4e3a\u53d7\u4fdd\u5b58\u6b3e\u673a\u6784\u7684\u5b58\u6b3e\u63d0\u4f9b\u4fdd\u9669\u7684\u72ec\u7acb\u673a\u6784\u3002\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\u4e3a\u6bcf\u4e2a\u50a8\u6237\u3001\u6bcf\u5bb6\u673a\u6784\u63d0\u4f9b\u6700\u9ad8 $250,000 \u7f8e\u5143\u7684\u5b58\u6b3e\u62c5\u4fdd\uff0c\u63d0\u4f9b\u4e86\u4e00\u4e2a\u91cd\u8981\u7684\u5b89\u5168\u7f51\uff0c\u6709\u52a9\u4e8e\u9632\u6b62\u94f6\u884c\u6324\u5151\u5e76\u5728\u4e0d\u786e\u5b9a\u65f6\u671f\u7ef4\u6301\u91d1\u878d\u7a33\u5b9a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u4e3a\u5b58\u6b3e\u63d0\u4f9b\u4fdd\u9669\u5916\uff0c\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\u8fd8\u5728\u76d1\u7763\u5b58\u6b3e\u673a\u6784\u65b9\u9762\u53d1\u6325\u7740\u5173\u952e\u4f5c\u7528\uff0c\u4ee5\u786e\u4fdd\u8fd9\u4e9b\u673a\u6784\u4ee5\u5b89\u5168\u7a33\u5065\u7684\u65b9\u5f0f\u8fd0\u8425\u3002\u8fd9\u5305\u62ec\u4e25\u683c\u76d1\u7763\u8d44\u672c\u5145\u8db3\u6027\u3001\u6d41\u52a8\u6027\u548c\u98ce\u9669\u7ba1\u7406\u5b9e\u8df5\u3002\u5f53\u94f6\u884c\u5012\u95ed\u65f6\uff0c\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\u4f1a\u4ecb\u5165\uff0c\u6709\u6548\u89e3\u51b3\u673a\u6784\u95ee\u9898\uff0c\u6700\u5927\u9650\u5ea6\u5730\u51cf\u5c11\u5bf9\u66f4\u5e7f\u6cdb\u7684\u94f6\u884c\u7cfb\u7edf\u7684\u5e72\u6270\uff0c\u964d\u4f4e\u53ef\u80fd\u5a01\u80c1\u7cfb\u7edf\u7a33\u5b9a\u7684\u8fde\u9501\u98ce\u9669\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b58\u6b3e\u4fdd\u9669\u8ba1\u5212\u5e76\u975e\u7f8e\u56fd\u72ec\u6709\uff1b\u8bb8\u591a\u53f8\u6cd5\u7ba1\u8f96\u533a\u90fd\u6709\u7c7b\u4f3c\u7684\u6846\u67b6\uff0c\u5176\u5171\u540c\u76ee\u6807\u90fd\u662f\u4fdd\u62a4\u5b58\u6b3e\u4eba\u548c\u52a0\u5f3a\u5bf9\u94f6\u884c\u7cfb\u7edf\u7684\u4fe1\u4efb\u3002\u901a\u8fc7\u63d0\u4f9b\u8fd9\u5c42\u4fdd\u62a4\uff0c\u76d1\u7ba1\u5f53\u5c40\u6709\u52a9\u4e8e\u964d\u4f4e\u7cfb\u7edf\u6027\u98ce\u9669\uff0c\u652f\u6301\u91d1\u878d\u5e02\u573a\u7684\u590d\u539f\u529b\u3002\u5bf9\u4e8e\u91d1\u878d\u673a\u6784\u6765\u8bf4\uff0c\u4fdd\u6301\u7b26\u5408\u5b58\u6b3e\u4fdd\u9669\u8981\u6c42\u5e76\u5c55\u793a\u7a33\u5065\u7684\u98ce\u9669\u7ba1\u7406\u5bf9\u4e8e\u7ee7\u7eed\u53c2\u4e0e\u53d7\u76d1\u7ba1\u7684\u94f6\u884c\u4e1a\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conduct-consumer-protection-and-customer-relationship-rules\">\u884c\u4e3a\u3001\u6d88\u8d39\u8005\u4fdd\u62a4\u548c\u5ba2\u6237\u5173\u7cfb\u89c4\u5219<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u884c\u4e3a\u5236\u5ea6\u8981\u6c42\u900f\u660e\u7684\u4ea7\u54c1\u62ab\u9732\u3001\u516c\u5e73\u7684\u5ba2\u6237\u5f85\u9047\u3001\u6839\u636e\u5ba2\u6237\u9700\u6c42\u548c\u98ce\u9669\u72b6\u51b5\u5339\u914d\u4ea7\u54c1\u7684\u9002\u5b9c\u6027\u8bc4\u4f30\uff0c\u4ee5\u53ca\u5bf9\u5f31\u52bf\u5ba2\u6237\u7684\u4fdd\u62a4\u3002\u8fd9\u4e9b\u8981\u6c42\u51b3\u5b9a\u4e86\u91d1\u878d\u673a\u6784\u5728\u6574\u4e2a\u5173\u7cfb\u751f\u547d\u5468\u671f\u4e2d\u4e0e\u5ba2\u6237\u7684\u4e92\u52a8\u65b9\u5f0f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82f1\u56fd FCA \u6d88\u8d39\u8005\u8d23\u4efb\u81ea 2023 \u5e74 7 \u6708\u8d77\u751f\u6548\uff0c\u8981\u6c42\u4f01\u4e1a\u5728\u4ef7\u683c\u548c\u4ef7\u503c\u3001\u6d88\u8d39\u8005\u7406\u89e3\u3001\u652f\u6301\u548c\u4fdd\u62a4\u65b9\u9762\u63d0\u4f9b\u826f\u597d\u7684\u7ed3\u679c\u3002\u5404\u59d4\u5458\u4f1a\u5fc5\u987b\u6bcf\u5e74\u5bf9\u5408\u89c4\u60c5\u51b5\u8fdb\u884c\u8ba4\u8bc1\uff0c\u5e76\u7ef4\u6301\u8106\u5f31\u6027\u884c\u52a8\u8ba1\u5212\u3002\u91d1\u878d\u7533\u8bc9\u4e13\u5458\u670d\u52a1\u673a\u6784\u6bcf\u5e74\u5904\u7406 20 \u591a\u4e07\u8d77\u6848\u4ef6\uff0c\u6709\u7ea6\u675f\u529b\u7684\u88c1\u51b3\u6700\u9ad8\u53ef\u8fbe 43 \u4e07\u82f1\u9551\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6b27\u76df\uff0c\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6307\u4ee4\u300b\u89c4\u5b9a\u4e86\u8d37\u6b3e\u900f\u660e\u5ea6\uff0c\u5305\u62ec\u5e74\u5229\u7387\u8ba1\u7b97\u548c\u51b7\u5374\u671f\u3002\u975e\u8bc9\u8bbc\u7ea0\u7eb7\u89e3\u51b3\u6307\u4ee4\u300b\u89c4\u5b9a\u4e86\u5ead\u5916\u89e3\u51b3\u673a\u5236\u3002\u745e\u58eb\u7684\u94f6\u884c\u4e1a\u76d1\u5bdf\u5458\u8d1f\u8d23\u5728\u8bc9\u8bbc\u524d\u8c03\u89e3\u7ea0\u7eb7\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u56fd\u7684\u6846\u67b6\u5305\u62ec\u5f3a\u5236\u62ab\u9732\u4fe1\u8d37\u6210\u672c\u7684\u300a\u8d37\u6b3e\u771f\u76f8\u6cd5\u300b\u3001\u7981\u6b62\u6b67\u89c6\u7684\u300a\u5e73\u7b49\u4fe1\u8d37\u673a\u4f1a\u6cd5\u300b\u4ee5\u53ca\u5728\u7535\u5b50\u4ea4\u6613\u4e2d\u4fdd\u62a4\u6d88\u8d39\u8005\u7684\u300a\u7535\u5b50\u8d44\u91d1\u8f6c\u8d26\u6cd5\u300b\u3002\u6d88\u8d39\u8005\u4fdd\u62a4\u6cd5\u548c\u7531 CFPB \u7b49\u653f\u5e9c\u673a\u6784\u6267\u884c\u7684\u76f8\u5173\u8054\u90a6\u6cd5\u5f8b\u5bfc\u81f4 2023 \u5e74\u5bf9\u8fdd\u53cd\u516c\u5e73\u501f\u8d37\u89c4\u5b9a\u7684\u7f5a\u6b3e\u8d85\u8fc7 $5 \u4ebf\u7f8e\u5143\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u53d7\u76d1\u7ba1\u673a\u6784\u7684\u4e3b\u8981\u884c\u4e3a\u8981\u6c42\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u4ea7\u54c1\u8bbe\u8ba1\u548c\u9500\u552e\u8fc7\u7a0b\u4e2d\u8d2f\u5f7b\u516c\u5e73\u5bf9\u5f85\u539f\u5219<\/li>\n\n\n\n<li>\u6295\u8d44\u4ea7\u54c1\u7684\u9002\u5b9c\u6027\u548c\u9002\u5f53\u6027\u8bc4\u4f30<\/li>\n\n\n\n<li>\u5f31\u52bf\u5ba2\u6237\u8bc6\u522b\u534f\u8bae\u548c\u7b80\u5316\u62ab\u9732<\/li>\n\n\n\n<li>\u5728\u89c4\u5b9a\u65f6\u9650\u5185\uff08\u901a\u5e38\u4e3a 15 \u5929\uff09\u89e3\u51b3\u6295\u8bc9\u95ee\u9898<\/li>\n\n\n\n<li>\u4fdd\u5b58\u671f\u4e3a 7 \u5e74\u6216\u66f4\u957f\u65f6\u95f4\u7684\u901a\u4fe1\u5b58\u6863<\/li>\n\n\n\n<li>\u5efa\u8bae\u7406\u7531\u548c\u540c\u610f\u8ddf\u8e2a\u7684\u8bc1\u636e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bc%98%e5%8c%96%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%95%b0%e5%ad%97%e5%8c%96%e5%85%a5%e8%81%8c%e6%9c%80%e4%bd%b3%e5%ae%9e%e8%b7%b5%e5%92%8c%e5%85%b3%e9%94%ae%e6%88%98%e7%95%a5\/\" target=\"_self\">\u6570\u5b57\u5316\u5165\u804c<\/a> \u548c\u81ea\u52a8\u5316\u5de5\u4f5c\u6d41\u53ef\u4ee5\u5e2e\u52a9\u673a\u6784\u4fdd\u6301\u4e00\u81f4\u7684\u62ab\u9732\u3001\u540c\u610f\u8ddf\u8e2a\u548c\u5ba1\u8ba1\u8ddf\u8e2a\uff0c\u4ee5\u6ee1\u8db3\u884c\u4e3a\u76d1\u7ba1\u673a\u6784\u7684\u8981\u6c42\u3002InvestGlass \u53ef\u6839\u636e\u8fd9\u4e9b\u4e49\u52a1\u914d\u7f6e\u5ba1\u6279\u5de5\u4f5c\u6d41\u548c\u57fa\u4e8e\u89c4\u5219\u7684\u68c0\u67e5\uff0c\u51cf\u5c11\u5bfc\u81f4\u82f1\u56fd\u94f6\u884c\u635f\u5931\u8d85\u8fc7 500 \u4ebf\u82f1\u9551\u7684\u4e0d\u5f53\u9500\u552e\u4e11\u95fb\u7684\u4eba\u5de5\u9519\u8bef\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aml-sanctions-and-financial-crime-regulations\">\u53cd\u6d17\u94b1\u3001\u5236\u88c1\u548c\u91d1\u878d\u72af\u7f6a\u6cd5\u89c4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\u7684 40 \u9879\u5efa\u8bae\u5230\u5168\u9762\u7684\u56fd\u5bb6\u5236\u5ea6\uff0c\u53cd\u6d17\u94b1\u548c\u53cd\u6050\u878d\u8d44\u89c4\u5219\u53d1\u751f\u4e86\u91cd\u5927\u6f14\u53d8\u3002\u94f6\u884c\u4fdd\u5bc6\u6cd5\u300b\u548c\u300a\u7f8e\u56fd\u7231\u56fd\u8005\u6cd5\u6848\u300b\u6784\u6210\u4e86\u7f8e\u56fd\u7684\u57fa\u7840\uff0c\u800c\u6b27\u76df\u5219\u5b9e\u65bd\u4e86\u5176\u7b2c\u516d\u4e2a\u300a\u53cd\u6d17\u94b1\u6cd5\u300b\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e7%ac%ac-6-%e5%8f%b7%e5%8f%8d%e6%b4%97%e9%92%b1%e6%8c%87%e4%bb%a4\/\" target=\"_self\">\u53cd\u6d17\u94b1\u6307\u4ee4<\/a> \u4ece 2026-2027 \u5e74\u8d77\uff0c\u65b0\u7684\u53cd\u6d17\u94b1\u7ba1\u7406\u5c40\uff08AMLA\uff09\u5c06\u5bf9\u9ad8\u98ce\u9669\u516c\u53f8\u8fdb\u884c\u76d1\u7ba1\u3002\u82f1\u56fd\u9002\u7528\u7ecf\u4fee\u8ba2\u7684 2017 \u5e74\u300a\u53cd\u6d17\u94b1\u6761\u4f8b\u300b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5177\u4f53\u4e49\u52a1\u5305\u62ec\u6838\u5b9e\u8eab\u4efd\u548c\u8d44\u91d1\u6765\u6e90\u7684\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u3001\u52a0\u5f3a\u5bf9\u653f\u6cbb\u516c\u4f17\u4eba\u7269\u548c\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\u7070\u540d\u5355\u548c\u9ed1\u540d\u5355\u4e0a\u786e\u5b9a\u7684\u9ad8\u98ce\u9669\u56fd\u5bb6\u7684\u5c3d\u804c\u8c03\u67e5\u3001\u6301\u7eed\u7684\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff0c\u4ee5\u53ca\u52a0\u5f3a\u5bf9\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\u7070\u540d\u5355\u548c\u9ed1\u540d\u5355\u4e0a\u786e\u5b9a\u7684\u9ad8\u98ce\u9669\u56fd\u5bb6\u7684\u5c3d\u804c\u8c03\u67e5\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/2023-%e5%b9%b4%e4%ba%a4%e6%98%93%e7%9b%91%e6%b5%8b%e7%bb%88%e6%9e%81%e6%8c%87%e5%8d%97\/\" target=\"_self\">\u4ea4\u6613\u76d1\u63a7<\/a>, \u548c\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\u30022024 \u5e74\uff0c\u4ec5\u7f8e\u56fd\u5c31\u63d0\u4ea4\u4e86 300 \u591a\u4e07\u4efd\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\u3002\u9488\u5bf9\u5916\u56fd\u8d44\u4ea7\u7ba1\u5236\u5904\u7279\u522b\u6307\u5b9a\u56fd\u6c11\u540d\u5355\uff08\u5305\u542b 15000 \u591a\u4e2a\u6761\u76ee\uff09\u3001\u6b27\u76df\u7efc\u5408\u540d\u5355\u548c\u8054\u5408\u56fd\u5236\u88c1\u540d\u5355\u7684\u5236\u88c1\u7b5b\u67e5\u662f\u5f3a\u5236\u6027\u7684\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2022 \u5e74\u540e\uff0c\u5236\u88c1\u6d3b\u52a8\u5728\u4fc4\u7f57\u65af\u5165\u4fb5\u4e4c\u514b\u5170\u540e\u6025\u5267\u5347\u7ea7\u3002\u6b27\u76df\u51bb\u7ed3\u4e86\u8d85\u8fc7 3000 \u4ebf\u6b27\u5143\u7684\u4fc4\u7f57\u65af\u8d44\u4ea7\u3002\u7f8e\u56fd\u7684\u4e8c\u7ea7\u5236\u88c1\u76ee\u524d\u9488\u5bf9 2500 \u591a\u4e2a\u5b9e\u4f53\u3002\u8fd9\u52a0\u5f3a\u4e86\u5bf9\u7b2c\u4e09\u56fd\u9003\u7a0e\u548c\u8d38\u6613\u878d\u8d44\u4e1a\u52a1\u7684\u5ba1\u67e5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f4f\u623f\u62b5\u62bc\u62ab\u9732\u6cd5\u300b\u548c\u300a\u793e\u533a\u518d\u6295\u8d44\u6cd5\u300b\u5bf9\u4ece\u4e8b\u62b5\u62bc\u8d37\u6b3e\u7684\u5546\u4e1a\u94f6\u884c\u589e\u52a0\u4e86\u8fdb\u4e00\u6b65\u7684\u62a5\u544a\u8981\u6c42\u3002\u8bc1\u5238\u4ea4\u6613\u6cd5\u300b\u548c\u300a\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\u300b\u6839\u636e\u300a\u6295\u8d44\u516c\u53f8\u6cd5\u300b\u5bf9\u4ece\u4e8b\u8bc1\u5238\u6d3b\u52a8\u7684\u6295\u8d44\u987e\u95ee\u548c\u5176\u4ed6\u91d1\u878d\u673a\u6784\u89c4\u5b9a\u4e86\u989d\u5916\u7684\u4e49\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9002\u5408\u5de5\u4f5c\u6d41\u7a0b\u81ea\u52a8\u5316\u7684\u53cd\u6d17\u94b1\u6d41\u7a0b\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u548c\u901a\u8fc7\u6587\u4ef6\u6536\u96c6\u52a0\u5f3a\u5c3d\u804c\u8c03\u67e5\u5de5\u4f5c\u6d41\u7a0b<\/li>\n\n\n\n<li>\u53ef\u914d\u7f6e\u9608\u503c\u7684\u4ea4\u6613\u76d1\u63a7\u89c4\u5219<\/li>\n\n\n\n<li>SAR \u751f\u6210\u548c\u63d0\u4ea4\u8ddf\u8e2a<\/li>\n\n\n\n<li>\u6839\u636e\u591a\u4efd\u540d\u5355\u8fdb\u884c\u5b9e\u65f6\u5236\u88c1\u7b5b\u67e5<\/li>\n\n\n\n<li>\u5b9e\u76ca\u6240\u6709\u6743\u8ffd\u8e2a\u4e0e\u6838\u5b9e<\/li>\n\n\n\n<li>\u901a\u8fc7\u96c6\u6210 API \u8fdb\u884c PEP \u7b5b\u9009\uff0c\u5e76\u8fdb\u884c\u98ce\u9669\u8bc4\u5206<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u5b57 KYC \u5e73\u53f0\u53ef\u81ea\u52a8 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e8%ba%ab%e4%bb%bd%e9%aa%8c%e8%af%81%ef%bc%9f\/\" target=\"_self\">\u8eab\u4efd\u9a8c\u8bc1<\/a> \u4f7f\u7528\u751f\u7269\u8bc6\u522b\u62a4\u7167\u3001PEP \u7b5b\u9009\u548c\u6807\u51c6\u5316\u98ce\u9669\u8bc4\u5206\u3002InvestGlass \u901a\u8fc7\u745e\u58eb\u6258\u7ba1\u63d0\u4f9b\u8fd9\u4e9b\u529f\u80fd\uff0c\u786e\u4fdd\u6570\u636e\u4f20\u8f93\u7b26\u5408 GDPR \u7b2c 44 \u6761\u7684\u89c4\u5b9a\u3002\u6839\u636e FATF \u6807\u51c6\uff0c\u65e0\u8bba\u4f7f\u7528\u54ea\u5bb6\u4f9b\u5e94\u5546\uff0c\u516c\u53f8\u90fd\u8981\u627f\u62c5\u5168\u90e8\u8d23\u4efb\uff0c\u8fd9\u5c31\u52a0\u5f3a\u4e86\u652f\u6301\u660e\u786e\u95ee\u8d23\u5236\u7684\u4e3b\u6743\u3001\u5ba1\u8ba1\u5c31\u7eea\u89e3\u51b3\u65b9\u6848\u7684\u91cd\u8981\u6027\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-digital-assets-and-banking-as-a-service-regulations\">\u91d1\u878d\u79d1\u6280\u3001\u6570\u5b57\u8d44\u4ea7\u548c\u94f6\u884c\u5373\u670d\u52a1\u6cd5\u89c4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece 2010 \u5e74\u4ee3\u7684\u65e9\u671f\u652f\u4ed8\u548c\u501f\u8d37\u5e73\u53f0\uff0c\u5230\u4eca\u5929\u5bf9\u94f6\u884c\u5373\u670d\u52a1\u6a21\u5f0f\u3001\u5d4c\u5165\u5f0f\u91d1\u878d\u548c\u6570\u5b57\u8d44\u4ea7\u7684\u5173\u6ce8\uff0c\u76d1\u7ba1\u673a\u6784\u5bf9\u91d1\u878d\u79d1\u6280\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u7684\u5173\u6ce8\u4e0d\u65ad\u52a0\u5f3a\u3002\u91d1\u878d\u9886\u57df\u6301\u7eed\u7684\u76d1\u7ba1\u53d8\u5316\uff0c\u5305\u62ec\u6700\u8fd1\u548c\u5373\u5c06\u5230\u6765\u7684\u653f\u7b56\u66f4\u65b0\uff0c\u5bf9\u94f6\u884c\u8fd0\u8425\u3001\u5408\u89c4\u548c\u98ce\u9669\u7ba1\u7406\u4ea7\u751f\u4e86\u91cd\u5927\u5f71\u54cd\uff0c\u8981\u6c42\u5404\u673a\u6784\u8fc5\u901f\u9002\u5e94\u65b0\u653f\u5e9c\u548c\u56fd\u9645\u673a\u6784\u4e0d\u65ad\u53d8\u5316\u7684\u4f18\u5148\u4e8b\u9879\u3002\u7f8e\u56fd\u4e8e 2023 \u5e74\u53d1\u5e03\u4e86\u673a\u6784\u95f4\u6307\u5357\uff0c\u89c4\u5b9a\u5bf9\u5206\u5305\u5546\u8fdb\u884c\u5c3d\u804c\u8c03\u67e5\uff0c\u5e76\u5236\u5b9a\u4e86 BaaS \u5b89\u6392\u7684\u9000\u51fa\u7b56\u7565\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OCC \u7684\u91d1\u878d\u6280\u672f\u529e\u516c\u5ba4\u5728\u76d1\u7763\u56fd\u5bb6\u94f6\u884c\u521b\u65b0\u7684\u540c\u65f6\uff0c\u8fd8\u9881\u53d1\u91d1\u878d\u6280\u672f\u8bb8\u53ef\u8bc1\u3002\u6b27\u76df\u4e8e 2023 \u5e74\u901a\u8fc7\u4e86\u300a\u52a0\u5bc6\u8d44\u4ea7\u5e02\u573a\u6761\u4f8b\u300b\uff082024 \u5e74\u8d77\u5168\u9762\u751f\u6548\uff09\uff0c\u5bf9\u52a0\u5bc6\u8d44\u4ea7\u670d\u52a1\u63d0\u4f9b\u5546\u8fdb\u884c\u8bb8\u53ef\uff0c\u8d44\u672c\u8981\u6c42\u4ece 2% \u5230 8% \u4e0d\u7b49\uff0c\u5e76\u5c06\u7a33\u5b9a\u5e01\u7535\u5b50\u8d27\u5e01\u7684\u53d1\u884c\u91cf\u9650\u5236\u5728 2 \u4ebf\u6b27\u5143\u4ee5\u5185\u3002\u82f1\u56fd\u91c7\u53d6\u5206\u9636\u6bb5\u7684\u65b9\u6cd5\uff0c\u5c06\u5e02\u503c\u8d85\u8fc7 100 \u4ebf\u82f1\u9551\u7684\u7cfb\u7edf\u6027\u7a33\u5b9a\u5e01\u7eb3\u5165 PRA \u76d1\u7ba1\u8303\u56f4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">GENIUS \u6cd5\u6848\u89c4\u5b9a\u5728 2026 \u5e74 7 \u6708\u524d\u5efa\u7acb\u4e00\u4e2a\u5168\u9762\u7684\u7a33\u5b9a\u5e01\u6846\u67b6\uff0c\u53ef\u80fd\u4f1a\u542f\u7528\u94f6\u884c\u53d1\u884c\u7684\u6536\u76ca\u7a33\u5b9a\u5e01\u3002\u745e\u58eb\u91d1\u878d\u7ba1\u7406\u5c40\uff08FINMA\uff09\u5c06\u4ee3\u5e01\u5206\u4e3a\u652f\u4ed8\u7c7b\u3001\u5b9e\u7528\u7c7b\u548c\u8d44\u4ea7\u7c7b\uff0c\u8981\u6c42\u7a33\u5b9a\u5e01\u7684\u50a8\u5907\u91cf\u4e3a 100%\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76d1\u7ba1\u673a\u6784\u8d8a\u6765\u8d8a\u591a\u5730\u5c06\u94f6\u884c\u4e0e\u91d1\u878d\u79d1\u6280\u516c\u53f8\u7684\u5408\u4f5c\u89c6\u4e3a\u53d7\u76d1\u7ba1\u673a\u6784\u7684\u5ef6\u4f38\u3002\u65e0\u8bba\u670d\u52a1\u4ee5\u4f55\u79cd\u65b9\u5f0f\u63d0\u4f9b\uff0c\u94f6\u884c\u90fd\u8981\u627f\u62c5\u76d1\u7ba1\u5408\u89c4\u3001\u5ba2\u6237\u4fdd\u62a4\u548c\u6570\u636e\u6cbb\u7406\u7684\u8d23\u4efb\u3002\u8fd9\u5c31\u9020\u6210\u4e86\u56e0\u590d\u6742\u7684\u5916\u5305\u94fe\u6761\u3001\u57fa\u4e8e\u4eba\u5de5\u667a\u80fd\u7684\u51b3\u7b56\u5de5\u5177\u548c\u8de8\u5883\u6570\u636e\u6d41\u800c\u4ea7\u751f\u7684\u5ba1\u614e\u548c\u884c\u4e3a\u98ce\u9669\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u91d1\u878d\u79d1\u6280\u5408\u4f5c\u4e2d\u9700\u8981\u5173\u6ce8\u7684\u76d1\u7ba1\u9886\u57df\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a33\u5b9a\u5e01\u53d1\u884c\u4e0e MiCA \u548c\u7f8e\u56fd\u65b0\u5174\u6846\u67b6\u4e0b\u7684\u51c6\u5907\u91d1\u8981\u6c42<\/li>\n\n\n\n<li>\u673a\u5668\u4eba\u5efa\u8bae\u5e73\u53f0\u548c\u81ea\u52a8\u9002\u5b9c\u6027\u8bc4\u4f30\u5408\u89c4\u6027<\/li>\n\n\n\n<li>\u76d1\u7ba1\u79d1\u6280\u89e3\u51b3\u65b9\u6848\u548c\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u7684\u76d1\u7ba1\u62a5\u544a<\/li>\n\n\n\n<li>\u76d1\u7ba1\u6c99\u76d2\uff08\u82f1\u56fd FCA \u5df2\u5bf9 500 \u591a\u5bb6\u516c\u53f8\u8fdb\u884c\u4e86\u6d4b\u8bd5\uff09<\/li>\n\n\n\n<li>\u4e3a\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684\u8d37\u6b3e\u51b3\u7b56\u5efa\u7acb\u98ce\u9669\u7ba1\u7406\u6a21\u578b<\/li>\n\n\n\n<li>\u6839\u636e CFPB \u6307\u5357\u8fdb\u884c\u7b97\u6cd5\u504f\u5dee\u6d4b\u8bd5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u662f\u745e\u58eb\u66ff\u4ee3\u7f8e\u56fd\u6216\u4e2d\u56fd\u4e91\u751f\u6001\u7cfb\u7edf\u7684\u5178\u8303\uff0c\u5b83\u63d0\u4f9b\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684\u5165\u804c\u548c\u81ea\u52a8\u5316\u670d\u52a1\uff0c\u800c\u4e0d\u4f1a\u53d7\u5230\u7f8e\u56fd\u300a\u4e91\u8ba1\u7b97\u6cd5\u6848\u300b\u6216\u4e2d\u56fd\u6570\u636e\u672c\u5730\u5316\u8981\u6c42\u7684\u5f71\u54cd\u3002\u8fd9\u4f7f\u516c\u53f8\u80fd\u591f\u5728\u5229\u7528\u73b0\u4ee3\u6280\u672f\u7684\u540c\u65f6\uff0c\u4fdd\u6301\u5bf9\u5ba2\u6237\u6570\u636e\u7684\u4e3b\u6743\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cross-border-activity-data-protection-and-operational-resilience\">\u8de8\u5883\u6d3b\u52a8\u3001\u6570\u636e\u4fdd\u62a4\u548c\u4e1a\u52a1\u590d\u539f\u529b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8de8\u5883\u94f6\u884c\u4e1a\u52a1\u6d3b\u52a8\u4f1a\u540c\u65f6\u89e6\u53d1\u591a\u79cd\u76d1\u7ba1\u5236\u5ea6\u3002\u4e1c\u9053\u56fd\u8bb8\u53ef\u89c4\u5219\u3001\u6b27\u76df\u5206\u884c\u62a4\u7167\u6216\u5b50\u516c\u53f8\u89c4\u5219\u4e0b\u7684\u5f53\u5730\u8d44\u672c\u8981\u6c42\uff0c\u4ee5\u53ca\u9002\u7528\u4e8e\u7f8e\u5143\u6e05\u7b97\u7684\u7f8e\u56fd\u5916\u56fd\u8d44\u4ea7\u7ba1\u5236\u5904\u5236\u88c1\u7b49\u57df\u5916\u5236\u5ea6\uff0c\u90fd\u7ed9\u56fd\u9645\u94f6\u884c\u4e1a\u52a1\u7684\u5408\u89c4\u5e26\u6765\u4e86\u590d\u6742\u6027\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u636e\u4fdd\u62a4\u6cd5\u4e0e\u94f6\u884c\u6cd5\u89c4\u76f4\u63a5\u4ea4\u53c9\u3002\u6b27\u76df\u300a\u901a\u7528\u6570\u636e\u4fdd\u62a4\u6761\u4f8b\u300b\u7981\u6b62\u5728\u6ca1\u6709\u6807\u51c6\u5408\u540c\u6761\u6b3e\u6216\u5177\u6709\u7ea6\u675f\u529b\u7684\u516c\u53f8\u89c4\u5219\u7684\u60c5\u51b5\u4e0b\uff0c\u5411\u4e0d\u9002\u5f53\u7684\u56fd\u5bb6\u8f6c\u79fb\u6570\u636e\u3002Meta \u56e0\u8fdd\u89c4\u8f6c\u79fb\u6570\u636e\u800c\u5728 2023 \u5e74\u88ab\u7f5a\u6b3e 12 \u4ebf\u6b27\u5143\u3002\u745e\u58eb\u8054\u90a6\u6570\u636e\u4fdd\u62a4\u6cd5\u300b\u4e8e 2023 \u5e74\u8fdb\u884c\u4e86\u5927\u5e45\u4fee\u8ba2\uff0c\u4e0e GDPR \u7684\u8981\u6c42\u4fdd\u6301\u4e00\u81f4\uff0c\u5e76\u5728\u5dde\u4e00\u7ea7\u5b9e\u65bd\u3002\u82f1\u56fd GDPR \u4e3a\u8131\u6b27\u540e\u7684\u6570\u636e\u6d41\u589e\u52a0\u4e86\u300a\u56fd\u9645\u6570\u636e\u4f20\u8f93\u534f\u8bae\u300b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e1a\u52a1\u5f39\u6027\u4efb\u52a1\u4e0d\u65ad\u6269\u5927\u3002\u5c06\u4e8e 2025 \u5e74\u751f\u6548\u7684\u6b27\u76df\u300a\u6570\u5b57\u8fd0\u8425\u5f39\u6027\u6cd5\u6848\u300b\u8981\u6c42\u5728\u56db\u5c0f\u65f6\u5185\u62a5\u544a\u4fe1\u606f\u548c\u901a\u4fe1\u6280\u672f\u4e8b\u6545\uff0c\u7b7e\u8ba2\u5177\u6709\u9000\u51fa\u6743\u7684\u7b2c\u4e09\u65b9\u5408\u540c\uff0c\u5e76\u8986\u76d6 22 \u9879\u5173\u952e\u670d\u52a1\u3002\u82f1\u56fd PRA \u548c FCA \u653f\u7b56\u8981\u6c42\u5bf9\u4e2d\u65ad\u8fdb\u884c\u5f71\u54cd\u5bb9\u5fcd\u5ea6\u6d4b\u8bd5\u3002\u7f8e\u56fd\u91d1\u878d\u5e02\u573a\u7ba1\u7406\u5c40\uff08FINMA\uff09\u7684\u5916\u5305\u901a\u77e5\u8981\u6c42\u5206\u5305\u5546\u4fdd\u6301\u900f\u660e\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76d1\u7ba1\u673a\u6784\u8d8a\u6765\u8d8a\u503e\u5411\u4e8e\u5bf9\u5173\u952e\u6570\u636e\u548c\u7cfb\u7edf\u8fdb\u884c\u660e\u786e\u63a7\u5236\u3002\u6b27\u6d32\u94f6\u884c\u4e1a\u76d1\u7ba1\u5c40\uff08EBA\uff09\u7684\u4e91\u8ba1\u7b97\u6307\u5357\u6307\u51fa\u4e86\u96c6\u4e2d\u98ce\u9669\uff0cAWS \u548c Azure \u6ee1\u8db3\u4e86\u6b27\u76df\u94f6\u884c 70% \u7684\u4e91\u8ba1\u7b97\u9700\u6c42\uff0c\u8981\u6c42\u63d0\u4f9b\u6570\u636e\u672c\u5730\u5316\u8bc1\u660e\u548c\u5ba1\u8ba1\u6743\u6761\u6b3e\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8de8\u5883\u6311\u6218\u9700\u8981\u5f3a\u5927\u7684\u6280\u672f\u89e3\u51b3\u65b9\u6848\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7f8e\u56fd\u548c\u6b27\u76df\u4f8b\u5916\u6761\u6b3e\u4e4b\u95f4\u7684\u5236\u88c1\u6cbb\u5916\u6cd5\u6743\u51b2\u7a81<\/li>\n\n\n\n<li>\u6570\u636e\u4f20\u8f93\u673a\u5236\u7684\u9009\u62e9\uff08\u9002\u5f53\u6027\u51b3\u5b9a\u4e0e\u4fdd\u969c\u63aa\u65bd\uff09<\/li>\n\n\n\n<li>\u5916\u5305\u94fe\u900f\u660e\u5ea6\u548c\u5ba1\u8ba1\u6743\u6761\u6b3e<\/li>\n\n\n\n<li>\u7b2c\u4e09\u65b9\u4f9b\u5e94\u5546\u9000\u51fa\u6218\u7565<\/li>\n\n\n\n<li>\u590d\u539f\u529b\u6d4b\u8bd5\u548c\u4e8b\u4ef6\u62a5\u544a\u65f6\u95f4\u8868<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u7684\u5185\u90e8\u90e8\u7f72\u6216\u745e\u58eb\u6258\u7ba1\u9009\u9879\u652f\u6301\u5f39\u6027\u6620\u5c04\u3001\u9000\u51fa\u89c4\u5212\u548c BCBS 239 \u98ce\u9669\u6570\u636e\u6c47\u603b\u8981\u6c42\u4e0b\u7684\u62a5\u544a\u3002\u8fd9\u4e3a\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u63d0\u4f9b\u4e86\u66f4\u5f3a\u7684\u63a7\u5236\u80fd\u529b\uff0c\u4ee5\u4fbf\u8fdb\u884c\u76d1\u7ba1\u62a5\u544a\u548c\u76d1\u7ba1\u67e5\u8be2\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-central-banking-and-monetary-policy-in-banking-regulation\">\u94f6\u884c\u76d1\u7ba1\u4e2d\u7684\u4e2d\u592e\u94f6\u884c\u548c\u8d27\u5e01\u653f\u7b56<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e2d\u592e\u94f6\u884c\u5728\u76d1\u7ba1\u94f6\u884c\u7cfb\u7edf\u548c\u901a\u8fc7\u8d27\u5e01\u653f\u7b56\u5f15\u5bfc\u66f4\u5e7f\u6cdb\u7684\u7ecf\u6d4e\u65b9\u9762\u53d1\u6325\u7740\u6839\u672c\u6027\u7684\u4f5c\u7528\u3002\u5728\u7f8e\u56fd\uff0c\u7f8e\u8054\u50a8\u5145\u5f53\u7740\u4e2d\u592e\u94f6\u884c\u7684\u89d2\u8272\uff0c\u76d1\u7ba1\u7740\u5305\u62ec\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u3001\u5dde\u7279\u8bb8\u94f6\u884c\u548c\u5728\u7f8e\u56fd\u5883\u5185\u8fd0\u8425\u7684\u5916\u56fd\u94f6\u884c\u5728\u5185\u7684\u4e00\u7cfb\u5217\u673a\u6784\u3002\u5176\u76d1\u7ba1\u804c\u8d23\u5305\u62ec\u5236\u5b9a\u548c\u6267\u884c\u51c6\u5907\u91d1\u8981\u6c42\uff0c\u8fd9\u76f4\u63a5\u5f71\u54cd\u5230\u94f6\u884c\u5fc5\u987b\u6301\u6709\u7684\u51c6\u5907\u91d1\u6570\u989d\uff0c\u8fdb\u800c\u5f71\u54cd\u5230\u7ecf\u6d4e\u4e2d\u7684\u4fe1\u8d37\u4f9b\u5e94\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u8054\u50a8\u7684\u5f71\u54cd\u529b\u4e0d\u4ec5\u9650\u4e8e\u76d1\u7ba1\uff0c\u8fd8\u5305\u62ec\u8d27\u5e01\u653f\u7b56\u7684\u5b9e\u65bd\u3002\u901a\u8fc7\u8bbe\u5b9a\u57fa\u51c6\u5229\u7387\u548c\u8fdb\u884c\u516c\u5f00\u5e02\u573a\u64cd\u4f5c\uff08\u5982\u8d2d\u4e70\u6216\u51fa\u552e\u653f\u5e9c\u8bc1\u5238\uff09\uff0c\u7f8e\u8054\u50a8\u53ef\u4ee5\u5f71\u54cd\u501f\u8d37\u6210\u672c\u3001\u6d41\u52a8\u6027\u548c\u6574\u4f53\u7ecf\u6d4e\u6d3b\u52a8\u3002\u8fd9\u4e9b\u653f\u7b56\u51b3\u5b9a\u5bf9\u94f6\u884c\u7cfb\u7edf\u4ea7\u751f\u76f4\u63a5\u5f71\u54cd\uff0c\u5851\u9020\u91d1\u878d\u673a\u6784\u7684\u8fd0\u8425\u73af\u5883\uff0c\u5e76\u5f71\u54cd\u5176\u501f\u8d37\u548c\u6295\u8d44\u6218\u7565\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u8054\u50a8\u901a\u8fc7\u5176\u53cc\u91cd\u89d2\u8272\u652f\u6301\u91d1\u878d\u7a33\u5b9a\uff0c\u786e\u4fdd\u94f6\u884c\u4fdd\u6301\u62b5\u5fa1\u51b2\u51fb\u7684\u80fd\u529b\uff0c\u5e76\u7ef4\u6301\u5bb6\u5ead\u548c\u4f01\u4e1a\u7684\u4fe1\u8d37\u6d41\u52a8\u3002\u76d1\u7ba1\u76d1\u7763\u4e0e\u8d27\u5e01\u653f\u7b56\u4e4b\u95f4\u7684\u76f8\u4e92\u4f5c\u7528\u5bf9\u4e8e\u7ba1\u7406\u7cfb\u7edf\u6027\u98ce\u9669\u3001\u652f\u6301\u7ecf\u6d4e\u589e\u957f\u548c\u4fdd\u969c\u6574\u4e2a\u91d1\u878d\u4f53\u7cfb\u7684\u5065\u5eb7\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-governance-internal-controls-and-compliance-culture\">\u6cbb\u7406\u3001\u5185\u90e8\u63a7\u5236\u548c\u5408\u89c4\u6587\u5316\u7684\u4f5c\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u76d1\u7ba1\u673a\u6784\u5bf9\u94f6\u884c\u6cbb\u7406\u7684\u671f\u671b\u5927\u5927\u63d0\u9ad8\u3002\u8463\u4e8b\u4f1a\u5fc5\u987b\u76d1\u7763\u6218\u7565\u548c\u98ce\u9669\u504f\u597d\uff0c\u98ce\u9669\u59d4\u5458\u4f1a\u5fc5\u987b\u6279\u51c6\u6a21\u578b\uff0c\u4e09\u9053\u9632\u7ebf\u6a21\u5f0f\u5fc5\u987b\u5c06\u4e1a\u52a1\u804c\u80fd\u3001\u98ce\u9669\u7ba1\u7406\u548c\u72ec\u7acb\u5ba1\u8ba1\u5206\u5f00\u3002\u91d1\u878d\u63a7\u80a1\u516c\u53f8\u9762\u4e34\u8054\u90a6\u673a\u6784\u7684\u989d\u5916\u5ba1\u67e5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5df4\u585e\u5c14\u59d4\u5458\u4f1a 2015 \u5e74\u4fee\u8ba2\u7684\u300a\u94f6\u884c\u516c\u53f8\u6cbb\u7406\u539f\u5219\u300b\u786e\u7acb\u4e86\u5168\u7403\u6807\u51c6\u3002\u6b27\u6d32\u592e\u884c\u7684\u300a\u5df4\u585e\u5c14\u94f6\u884c\u76d1\u7ba1\u59d4\u5458\u4f1a 239 \u53f7\u89c4\u5b9a\u300b\u8981\u6c42\u5728 72 \u5c0f\u65f6\u5185\u6c47\u603b\u5177\u6709\u5168\u7403\u7cfb\u7edf\u91cd\u8981\u6027\u7684\u94f6\u884c\u7684\u98ce\u9669\u6570\u636e\u3002PRA \u6846\u67b6\u8981\u6c42\u6bcf\u5e74\u63d0\u4ea4 S.165 \u8bf7\u6c42\u3002\u7f8e\u56fd\u91d1\u878d\u4e1a\u76d1\u7ba1\u5c40\u5f3a\u8c03\u5408\u89c4\u5b98\u7684\u72ec\u7acb\u6027\uff0c\u800c\u7f8e\u56fd\u6d77\u5916\u6e05\u7b97\u59d4\u5458\u4f1a\u9488\u5bf9\u8d44\u4ea7\u8d85\u8fc7 $50 \u4ebf\u7f8e\u5143\u7684\u94f6\u884c\u7684\u6307\u5bfc\u65b9\u9488\u5219\u89c4\u5b9a\u4e86\u4e66\u9762\u6cbb\u7406\u6846\u67b6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u6548\u7684\u5408\u89c4\u6587\u5316\u5305\u62ec\u660e\u786e\u7684\u653f\u7b56\u3001\u5458\u5de5\u57f9\u8bad\u8ba1\u5212\u3001\u7b26\u5408\u6b27\u76df\u4e3e\u62a5\u4eba\u6307\u4ee4\u7684\u4e3e\u62a5\u673a\u5236\uff0c\u4ee5\u53ca\u5c06\u63a7\u5236\u5d4c\u5165\u65e5\u5e38\u6d41\u7a0b\u7684\u6280\u672f\u3002\u5728 2023 \u5e74\u52a0\u5f3a\u57f9\u8bad\u8981\u6c42\u540e\uff0c\u8054\u90a6\u91d1\u878d\u76d1\u7ba1\u5c40\u62a5\u544a\u7684\u4e0d\u5f53\u884c\u4e3a\u62a5\u544a\u51cf\u5c11\u4e86 20%\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u89c4\u5b98\u8981\u8ddf\u8e2a\u76d1\u7ba1\u53d8\u5316\uff08\u6b27\u76df\u6bcf\u5e74\u5236\u5b9a\u8d85\u8fc7 5000 \u9875\u7684\u65b0\u6cd5\u89c4\uff09\uff0c\u5ba1\u6838\u7ba1\u7406\u98ce\u9669\u7684\u65b0\u4ea7\u54c1\uff0c\u5e76\u786e\u4fdd\u7cfb\u7edf\u652f\u6301 KYC\u3001\u9002\u5f53\u6027\u548c\u8bb0\u5f55\u4fdd\u5b58\u7b49\u4e49\u52a1\u3002\u4ed6\u4eec\u5fc5\u987b\u79ef\u6781\u5e94\u5bf9\u5408\u89c4\u98ce\u9669\uff0c\u5e76\u4e3a\u6267\u6cd5\u884c\u52a8\u505a\u597d\u51c6\u5907\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9700\u8981\u5173\u6ce8\u7684\u6cbb\u7406\u8981\u7d20\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8463\u4e8b\u4f1a\u98ce\u9669\u504f\u597d\u58f0\u660e\u548c\u5e74\u5ea6\u5ba1\u67e5\u7a0b\u5e8f<\/li>\n\n\n\n<li>\u4e09\u9053\u9632\u7ebf\u6a21\u5f0f\u7684\u5b9e\u65bd<\/li>\n\n\n\n<li>BCBS 239 \u98ce\u9669\u6570\u636e\u6c47\u603b\u548c\u62a5\u544a\u529f\u80fd<\/li>\n\n\n\n<li>\u6210\u679c\u53ef\u8861\u91cf\u7684\u57f9\u8bad\u8ba1\u5212<\/li>\n\n\n\n<li>\u4e3e\u62a5\u70ed\u7ebf\u548c\u4fdd\u62a4\u673a\u5236<\/li>\n\n\n\n<li>\u72ec\u7acb\u7684\u5408\u89c4\u804c\u80fd\uff0c\u53ef\u76f4\u63a5\u8fdb\u5165\u8463\u4e8b\u4f1a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u5141\u8bb8\u673a\u6784\u914d\u7f6e\u7b26\u5408\u7ba1\u7406\u6807\u51c6\u548c\u8054\u90a6\u53ca\u5dde\u6cd5\u5f8b\u7684\u5ba1\u6279\u5de5\u4f5c\u6d41\u7a0b\u3001\u57fa\u4e8e\u89c4\u5219\u7684\u68c0\u67e5\u548c\u8bc1\u636e\u65e5\u5fd7\u3002\u8fd9\u6709\u52a9\u4e8e\u5728\u68c0\u67e5\u671f\u95f4\u5411\u76d1\u7ba1\u673a\u6784\u8bc1\u660e\u5408\u89c4\u6027\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulation-of-bank-holding-companies-and-affiliates\">\u5bf9\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u53ca\u5173\u8054\u516c\u53f8\u7684\u76d1\u7ba1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u63a7\u80a1\u516c\u53f8\uff08BHC\uff09\u662f\u73b0\u4ee3\u94f6\u884c\u4f53\u7cfb\u7ed3\u6784\u7684\u6838\u5fc3\uff0c\u901a\u5e38\u63a7\u5236\u7740\u591a\u5bb6\u94f6\u884c\u548c\u4e00\u7cfb\u5217\u91d1\u878d\u670d\u52a1\u5173\u8054\u516c\u53f8\u3002\u7f8e\u8054\u50a8\u662f\u76d1\u7763\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u7684\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\uff0c\u786e\u4fdd\u8fd9\u4e9b\u5b9e\u4f53\u5728\u8d22\u52a1\u72b6\u51b5\u3001\u98ce\u9669\u7ba1\u7406\u4ee5\u53ca\u9075\u5b88\u9002\u7528\u6cd5\u5f8b\u548c\u6cd5\u89c4\u65b9\u9762\u9075\u5b88\u4e25\u683c\u7684\u6807\u51c6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e\u300a\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u6cd5\u300b\uff0c\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u5fc5\u987b\u5411\u7f8e\u8054\u50a8\u6ce8\u518c\uff0c\u5e76\u5b9a\u671f\u63d0\u4ea4\u62a5\u544a\uff0c\u8be6\u7ec6\u8bf4\u660e\u5176\u8d22\u52a1\u72b6\u51b5\u548c\u4e1a\u52a1\u6d3b\u52a8\u3002\u8fd9\u79cd\u76d1\u7ba1\u76d1\u7763\u5ef6\u4f38\u81f3\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u7684\u9644\u5c5e\u516c\u53f8\uff0c\u5373\u94f6\u884c\u6216\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u62e5\u6709\u6216\u63a7\u5236\u7684\u516c\u53f8\uff0c\u5bf9\u8fd9\u4e9b\u516c\u53f8\u8fdb\u884c\u76d1\u7763\uff0c\u4ee5\u786e\u4fdd\u5176\u6d3b\u52a8\u4e0d\u4f1a\u635f\u5bb3\u6bcd\u516c\u53f8\u6216\u66f4\u5e7f\u6cdb\u7684\u94f6\u884c\u7cfb\u7edf\u7684\u5b89\u5168\u4e0e\u7a33\u5065\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5bf9\u94f6\u884c\u63a7\u80a1\u516c\u53f8\u53ca\u5176\u5173\u8054\u516c\u53f8\u8fdb\u884c\u4e25\u683c\u76d1\u7763\uff0c\u7f8e\u8054\u50a8\u6709\u52a9\u4e8e\u9632\u6b62\u53ef\u80fd\u5a01\u80c1\u91d1\u878d\u7a33\u5b9a\u7684\u98ce\u9669\u79ef\u7d2f\u3002\u8fd9\u5305\u62ec\u76d1\u7763\u6cd5\u5f8b\u6cd5\u89c4\u7684\u9075\u5b88\u60c5\u51b5\uff0c\u8bc4\u4f30\u98ce\u9669\u7ba1\u7406\u6846\u67b6\uff0c\u5e76\u5728\u5fc5\u8981\u65f6\u8fdb\u884c\u5e72\u9884\uff0c\u4ee5\u89e3\u51b3\u65b0\u51fa\u73b0\u7684\u6f0f\u6d1e\u3002\u5bf9\u4e8e\u5728\u63a7\u80a1\u516c\u53f8\u7ed3\u6784\u5185\u8fd0\u8425\u7684\u91d1\u878d\u673a\u6784\u800c\u8a00\uff0c\u5c55\u793a\u51fa\u5f3a\u6709\u529b\u7684\u6cbb\u7406\u548c\u9075\u5b88\u76d1\u7ba1\u8981\u6c42\u5bf9\u4e8e\u7ef4\u62a4\u94f6\u884c\u4e1a\u7684\u4fe1\u4efb\u548c\u7a33\u5b9a\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-technology-and-sovereign-platforms-support-regulatory-compliance\">\u6280\u672f\u548c\u4e3b\u6743\u5e73\u53f0\u5982\u4f55\u652f\u6301\u76d1\u7ba1\u5408\u89c4\u6027<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73b0\u4ee3\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u4f9d\u8d56\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u3001\u5165\u804c\u3001\u6295\u8d44\u7ec4\u5408\u7ba1\u7406\u548c\u901a\u4fe1\u65b9\u9762\u7684\u96c6\u6210\u6570\u5b57\u57fa\u7840\u8bbe\u65bd\u6765\u6709\u6548\u6ee1\u8db3\u76d1\u7ba1\u671f\u671b\u3002\u9ea6\u80af\u9521\u7684\u7814\u7a76\u8868\u660e\uff0c\u5728\u5904\u7406 80% \u6807\u51c6\u9a8c\u8bc1\u6d41\u7a0b\u7684\u540c\u65f6\uff0c\u81ea\u52a8\u5316\u53ef\u5c06 KYC \u6210\u672c\u964d\u4f4e 401TPC\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u76d1\u7ba1\u673a\u6784\u5bf9\u5916\u5305\u548c\u4e91\u96c6\u4e2d\u98ce\u9669\u8868\u793a\u51fa\u8d8a\u6765\u8d8a\u591a\u7684\u62c5\u5fe7\u3002\u6b27\u6d32\u94f6\u884c\u76d1\u7ba1\u5c40\uff08EBA\uff09\u548c\u6b27\u6d32\u50a8\u84c4\u94f6\u884c\u76d1\u7ba1\u5c40\uff08PRA\uff09\u6307\u51fa\u4e86\u4f9d\u8d56\u5927\u578b\u975e\u6b27\u6d32\u4f9b\u5e94\u5546\u548c\u8de8\u5883\u6570\u636e\u4f20\u8f93\u590d\u6742\u6027\u7684\u98ce\u9669\u3002\u6b27\u6d32\u592e\u884c 2024 \u5e74\u7684\u4e00\u9879\u8c03\u67e5\u53d1\u73b0\uff0c60% \u7684\u673a\u6784\u4f18\u5148\u9009\u62e9\u4e3b\u6743\u4e91\u89e3\u51b3\u65b9\u6848\u6765\u89e3\u51b3\u8fd9\u4e9b\u95ee\u9898\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u4e8e\u300a\u4e91\u8ba1\u7b97\u6cd5\u300b\u4f20\u7968\u98ce\u9669\uff0c\u6b27\u6d32\u548c\u745e\u58eb\u673a\u6784\u8d8a\u6765\u8d8a\u591a\u5730\u907f\u5f00\u7f8e\u56fd\u5e73\u53f0\uff0c\u800c\u4e2d\u56fd\u5e73\u53f0\u5219\u56e0\u6570\u636e\u672c\u5730\u5316\u95ee\u9898\u800c\u907f\u5f00\u3002\u8fd9\u79cd\u76d1\u7ba1\u5ba1\u67e5\u4e0e\u5bf9\u5916\u56fd\u94f6\u884c\u548c\u56fd\u9645\u94f6\u884c\u4e1a\u52a1\u8bbf\u95ee\u6b27\u6d32\u5ba2\u6237\u654f\u611f\u6570\u636e\u7684\u5e7f\u6cdb\u62c5\u5fe7\u662f\u4e00\u81f4\u7684\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u5c06\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u3001\u6570\u5b57\u5165\u804c\u548c KYC\u3001\u6295\u8d44\u7ec4\u5408\u7ba1\u7406\u3001\u5408\u89c4\u5de5\u4f5c\u6d41\u3001\u8425\u9500\u81ea\u52a8\u5316\u548c\u5ba2\u6237\u95e8\u6237\u7ed3\u5408\u5728\u4e00\u8d77\uff0c\u5e76\u5728\u745e\u58eb\u6570\u636e\u4e2d\u5fc3\u5efa\u7acb\u4e86\u83b7\u5f97 FINMA 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href=\"https:\/\/www.investglass.com\/zh\/%e5%9c%a8%e6%8a%95%e8%b5%84%e4%b8%ad%e6%9c%89%e6%95%88%e6%95%b4%e5%90%88%e4%bc%81%e4%b8%9a%e7%a4%be%e4%bc%9a%e8%b4%a3%e4%bb%bb%e7%9a%84%e6%9c%80%e4%bd%b3%e7%ad%96%e7%95%a5\/\" target=\"_self\">ESG \u6574\u5408<\/a> \u91d1\u878d\u5e02\u573a\u7ba1\u7406\u5c40\uff08FINMA\uff09\u5bf9\u7eff\u8272\u6e05\u6d17\u8fdb\u884c\u4e86\u8c03\u67e5\uff0c\u52a0\u5bc6\u8d44\u4ea7\u7684\u5b8c\u5584\u5305\u62ec GENIUS \u6cd5\u6848\u7684\u7a33\u5b9a\u5e01\u548c\u82f1\u56fd\u7684\u7cfb\u7edf\u6027\u9608\u503c\u3002\u8bc1\u5238\u6cd5\u300b\u548c\u300a\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u6cd5\u300b\u5728\u8fd9\u4e9b\u53d1\u5c55\u7684\u540c\u65f6\u4e5f\u5728\u7ee7\u7eed\u6f14\u53d8\u3002.<\/p>\n\n\n\n<p 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href=\"https:\/\/www.investglass.com\/zh\/%e5%ae%a2%e6%88%b7%e7%94%9f%e5%91%bd%e5%91%a8%e6%9c%9f%e7%ae%a1%e7%90%86%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1%e7%bb%88%e6%9e%81%e6%8c%87%e5%8d%97\/\" target=\"_self\">\u5ba2\u6237\u751f\u547d\u5468\u671f<\/a>. .\u56fd\u5bb6\u94f6\u884c\u6cd5\u300b\u3001\u300a\u50a8\u84c4\u6cd5\u300b\u548c\u300a\u8054\u90a6\u50a8\u5907\u6cd5\u300b\u5efa\u7acb\u4e86\u73b0\u4ee3\u6280\u672f\u5fc5\u987b\u652f\u6301\u7684\u6846\u67b6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u53d7\u76d1\u7ba1\u516c\u53f8\u7684\u5b9e\u9645\u6b65\u9aa4\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5ba1\u6838\u6280\u672f\u5806\u6808\u7684\u6570\u636e\u4f4d\u7f6e\u3001\u5916\u5305\u94fe\u548c\u4e3b\u6743\u66ff\u4ee3\u65b9\u6848<\/li>\n\n\n\n<li>\u5df4\u585e\u5c14\u534f\u8bae III\u300b\u7ec8\u5c40\u6a21\u578b\u548c CRR3 \u5bf9\u8d44\u672c\u548c\u62a5\u544a\u8981\u6c42\u7684\u5f71\u54cd<\/li>\n\n\n\n<li>\u4e3a 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fundamental reasons: safeguarding financial stability, protecting consumers from misconduct, and controlling systemic risks that could cascade through entire economies. The 2008 global financial crisis demonstrated what happens when capital buffers prove inadequate and risky leverage amplifies losses into a worldwide meltdown. More recently, the 2023 failures of Silicon Valley [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1403,968],"class_list":["post-49323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking-industry-regulations","tag-compliance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banking Industry Regulations: An Overview for Professionals<\/title>\n<meta name=\"description\" content=\"Explore key banking industry regulations designed to enhance financial stability and protect consumers from misconduct.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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