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金融監(jiān)管總局于2024年10月12日發(fā)布了《銀團(tuán)貸款業(yè)務(wù)管理辦法》（以下簡稱“《銀團(tuán)貸款辦法》”），對(duì)原《銀團(tuán)貸款業(yè)務(wù)指引》中的規(guī)定進(jìn)行了修訂。

國務(wù)院辦公廳于2024年10月11日發(fā)布《關(guān)于加強(qiáng)監(jiān)管防范風(fēng)險(xiǎn)促進(jìn)期貨市場(chǎng)高質(zhì)量發(fā)展的意見》的通知（以下簡稱“《加強(qiáng)監(jiān)管防范風(fēng)險(xiǎn)意見》”）。

海南省委金融辦、海南省財(cái)政廳、中國人民銀行海南省分行、海南金融監(jiān)管局、海南證監(jiān)局于2024年10月22日聯(lián)合發(fā)布《金融支持經(jīng)濟(jì)高質(zhì)量發(fā)展的十五條措施》（以下簡稱“《十五條措施》”），引導(dǎo)全省金融機(jī)構(gòu)加大對(duì)災(zāi)后重建的保障支持力度，提升金融服務(wù)實(shí)體經(jīng)濟(jì)能力，促進(jìn)海南省經(jīng)濟(jì)平穩(wěn)健康發(fā)展。《十五條措施》的主要內(nèi)容有：

（1）明確重點(diǎn)支持對(duì)象，建立金融支持經(jīng)濟(jì)高質(zhì)量發(fā)展的白名單機(jī)制；主動(dòng)開展無還本續(xù)貸服務(wù)，將續(xù)貸對(duì)象擴(kuò)展至所有的小微企業(yè)貸款，以及2027年9月30日前到期的中型企業(yè)流動(dòng)性貸款；

（2）通過政府主導(dǎo)，國企出資建立，加快組建海南省企業(yè)應(yīng)急續(xù)貸資金池；

（3）提高行業(yè)不良容忍度，優(yōu)化調(diào)整考核機(jī)制，落實(shí)盡職免責(zé)制度，增加保險(xiǎn)產(chǎn)品供給，提高保險(xiǎn)覆蓋面以支持符合條件的在瓊企業(yè)利用境內(nèi)外資本市場(chǎng)融資，恢復(fù)重建，發(fā)展壯大；

（4）支持符合條件的在瓊企業(yè)通過發(fā)行中小企業(yè)集合債券等形式募集資金；

（5）海南省財(cái)政出資設(shè)立風(fēng)險(xiǎn)補(bǔ)償資金池實(shí)施財(cái)金聯(lián)動(dòng)政策，推出“復(fù)工復(fù)產(chǎn)擔(dān)保貸”和“小客車消費(fèi)貸款再擔(dān)保”產(chǎn)品；

（6）發(fā)揮海南省智慧金融綜合服務(wù)平臺(tái)融資降本作用，推動(dòng)融資擔(dān)保機(jī)構(gòu)持續(xù)減費(fèi)讓利。

金融監(jiān)管總局2024年10月18日發(fā)布了《關(guān)于大力發(fā)展商業(yè)保險(xiǎn)年金有關(guān)事項(xiàng)的通知》（以下簡稱“《發(fā)展商業(yè)保險(xiǎn)年金通知》”），對(duì)商業(yè)保險(xiǎn)年金的定義進(jìn)行了明確，并提出了一系列促進(jìn)業(yè)務(wù)發(fā)展的政策措施和監(jiān)管要求。《發(fā)展商業(yè)保險(xiǎn)年金通知》的核心內(nèi)容主要包括以下幾點(diǎn)：

（1）明確了商業(yè)保險(xiǎn)年金的內(nèi)涵，即由商業(yè)保險(xiǎn)公司設(shè)計(jì)的、兼具養(yǎng)老風(fēng)險(xiǎn)管理與長期資金穩(wěn)健積累功能的產(chǎn)品，涵蓋合規(guī)的年金保險(xiǎn)、兩全保險(xiǎn)及商業(yè)養(yǎng)老金等多種形式；

（2）提出推動(dòng)商業(yè)保險(xiǎn)年金業(yè)務(wù)發(fā)展的政策導(dǎo)向及監(jiān)管要求；

（3）《發(fā)展商業(yè)保險(xiǎn)年金通知》還強(qiáng)調(diào)優(yōu)化個(gè)人養(yǎng)老金產(chǎn)品供給，以提高產(chǎn)品多樣性和投保便利性。進(jìn)一步，鼓勵(lì)開發(fā)兼具養(yǎng)老保障與財(cái)富管理功能的新型產(chǎn)品，以滿足更廣泛人群的需求，并要求保險(xiǎn)公司優(yōu)化其資產(chǎn)配置，以支持經(jīng)濟(jì)高質(zhì)量發(fā)展；

（4）《發(fā)展商業(yè)保險(xiǎn)年金通知》提出建立健全統(tǒng)計(jì)和監(jiān)管制度體系，切實(shí)保障保險(xiǎn)消費(fèi)者的合法權(quán)益。

中國人民銀行、金融監(jiān)管總局及中國證監(jiān)會(huì)于2024年10月17日聯(lián)合發(fā)布了《關(guān)于設(shè)立股票回購增持再貸款有關(guān)事宜的通知》（以下簡稱“《股票回購增持的通知》”），宣布設(shè)立專門用于支持股票回購和增持的再貸款機(jī)制，旨在鼓勵(lì)金融機(jī)構(gòu)向符合條件的上市公司及其主要股東提供融資支持，以推動(dòng)其回購和增持本公司股票。

中國人民銀行與中國證監(jiān)會(huì)于2024年10月18日聯(lián)合發(fā)布《關(guān)于做好證券、基金、保險(xiǎn)公司互換便利（SFISF）相關(guān)工作的通知》，向參與互換便利操作各方明確業(yè)務(wù)流程、操作要素、交易雙方權(quán)利義務(wù)等內(nèi)容。

國務(wù)院于2024年10月19日發(fā)布《關(guān)于做好自由貿(mào)易試驗(yàn)區(qū)對(duì)接國際高標(biāo)準(zhǔn)推進(jìn)制度型開放試點(diǎn)措施復(fù)制推廣工作的通知》。

銀登中心于2024年10月31日發(fā)布《銀行業(yè)信貸資產(chǎn)登記流轉(zhuǎn)中心有限公司銀團(tuán)貸款轉(zhuǎn)讓交易業(yè)務(wù)規(guī)則（試行）》，其要點(diǎn)如下：

（1）明確定義：銀團(tuán)貸款轉(zhuǎn)讓交易指的是出讓方將其持有的銀團(tuán)貸款通過銀登中心業(yè)務(wù)系統(tǒng)進(jìn)行事前集中登記并開展轉(zhuǎn)讓交易的業(yè)務(wù)活動(dòng)。銀團(tuán)貸款轉(zhuǎn)讓交易業(yè)務(wù)應(yīng)接受金融監(jiān)管總局管理。

（2）業(yè)務(wù)要求：銀團(tuán)貸款轉(zhuǎn)讓交易業(yè)務(wù)的參與主體包括銀團(tuán)貸款的出讓方和受讓方，以及負(fù)責(zé)銀團(tuán)貸款轉(zhuǎn)讓事務(wù)的代理行。參與主體應(yīng)當(dāng)為具有貸款經(jīng)營資質(zhì)的銀行業(yè)金融機(jī)構(gòu)，或經(jīng)金融監(jiān)管總局認(rèn)可的其他主體。出讓方應(yīng)當(dāng)確保與轉(zhuǎn)讓標(biāo)的相關(guān)的貸款合同及其他文件已由各方有效簽署，其對(duì)轉(zhuǎn)讓標(biāo)的擁有合法處分權(quán)，且轉(zhuǎn)讓標(biāo)的之上不存在包括債務(wù)人抵銷權(quán)在內(nèi)的任何可能造成轉(zhuǎn)讓標(biāo)的價(jià)值減損的其他權(quán)利。出讓方可以將其持有的銀團(tuán)貸款部分轉(zhuǎn)讓，但限于將未償還本金和應(yīng)收利息一同按比例拆分轉(zhuǎn)讓。單家銀行擔(dān)任牽頭行的，轉(zhuǎn)讓后其承貸份額原則上不得少于銀團(tuán)融資總金額的15%，分銷給其他銀團(tuán)成員的份額原則上不得低于30%。銀團(tuán)貸款增設(shè)副牽頭行、聯(lián)合牽頭行的，轉(zhuǎn)讓后每家牽頭行承貸份額原則上不得少于銀團(tuán)融資金額的10%，每家銀行的承貸份額原則上不得高于70%。涉及分組銀團(tuán)的，轉(zhuǎn)讓后各組別原則上有兩家或者兩家以上銀行參加，僅有一家銀行的組別不得超過一個(gè)。

（3）集中登記：出讓方在開展銀團(tuán)貸款轉(zhuǎn)讓交易前應(yīng)通過銀登中心業(yè)務(wù)系統(tǒng)提交相關(guān)材料，辦理集中登記。

（4）風(fēng)險(xiǎn)管理：出讓方和受讓方可聘請(qǐng)律師事務(wù)所、會(huì)計(jì)師事務(wù)所、資產(chǎn)評(píng)估機(jī)構(gòu)、估值機(jī)構(gòu)、財(cái)務(wù)顧問等第三方中介機(jī)構(gòu)，協(xié)助開展相關(guān)工作。

2024年10月基金業(yè)協(xié)會(huì)對(duì)多家私募基金管理人出具紀(jì)律處分決定書，對(duì)涉案私募基金管理人作出撤銷管理人登記、進(jìn)行警告等紀(jì)律處分，涉及違規(guī)要點(diǎn)包括：

（1）違反專業(yè)化運(yùn)營原則。私募基金管理人專業(yè)化運(yùn)營即指私募基金管理人不可從事私募基金投資管理以外的業(yè)務(wù)。根據(jù)中基協(xié)處分〔2024〕411號(hào)，2022年8月涉案管理人完成私募基金管理人登記后仍以自有資金與其他公司開展借貸業(yè)務(wù)。基金業(yè)協(xié)會(huì)對(duì)涉案管理人作出撤銷管理人登記的紀(jì)律處分。

（2）募集說明書存在“被投公司控股股東向基金作業(yè)績承諾，基金任意年度收到的分紅低于基金實(shí)繳規(guī)模8%時(shí)，控股股東以自有資金補(bǔ)齊”等誤導(dǎo)性陳述，使投資者產(chǎn)生剛性兌付預(yù)期。

（3）未及時(shí)申請(qǐng)私募基金產(chǎn)品備案。根據(jù)中基協(xié)處分〔2024〕421號(hào)，涉案管理人作為執(zhí)行事務(wù)合伙人設(shè)立4家合伙企業(yè)對(duì)外募集資金，并對(duì)外進(jìn)行投資，相關(guān)合伙企業(yè)以投資活動(dòng)為目的，采用基金形式運(yùn)作，符合《私募投資基金監(jiān)督管理暫行辦法》第二條、第三款所列情形，屬于應(yīng)備案的私募基金產(chǎn)品。涉案管理人未及時(shí)將相關(guān)產(chǎn)品進(jìn)行備案，違反了《私募投資基金監(jiān)督管理暫行辦法》第八條關(guān)于私募基金管理人應(yīng)當(dāng)及時(shí)辦理基金備案手續(xù)的規(guī)定。基金業(yè)協(xié)會(huì)對(duì)涉案管理人作出警告的紀(jì)律處分。

On October 12, 2024, the NFRA issued the Administrative Measures for Syndicated Loan Business (“Syndicated Loan Measures”), revising provisions from the Guidelines for Syndicated Loan Business.

（1）Defining key support targets and establish a white list mechanism for financial support for high-quality economic development; proactively carrying out non-principal repayment loan renewal services and extending the renewal targets to all small and micro enterprise loans, as well as liquidity loans for medium-sized enterprises maturing before September 30, 2027;

（2）Accelerating the formation of an emergency loan renewal pool built by the government and funded by state-owned enterprises in Hainan Province;

（3）Increasing the industry's non-performing tolerance, optimizing and adjusting the assessment mechanism, implementing the due diligence and exemption system, increasing the supply of insurance products, and improving insurance coverage to support eligible enterprises in Hainan to utilize the domestic and overseas capital markets to raise funds to rebuild and grow;

（4）Supporting qualified enterprises in Hainan to raise funds by issuing small and medium-sized enterprise pooled bonds and other forms;

（5）Having set up a risk compensation fund pool by Hainan Provincial Department of Finance to implement the financial linkage policy, and launched products of “Guaranteed Loan for Resumption of Work and Production” and “Re-guarantee of Consumer Loans for Small Vehicle”;

（6）Playing the role of financing and cost reduction of Hainan Province's intelligent financial comprehensive service platform, and promoting financial guarantee institutions to continuously reduce fees and transfer benefits to customers.

The Fifteen Measures focuses on post-typhoon reconstruction and promotes high-quality economic development in Hainan Province through financial support. The policy focuses on setting up an emergency loan renewal pool for enterprises, expanding non-principal repayment loan renewal services, supporting liquidity loans for small and micro enterprises and medium-sized enterprises, as well as increasing the industry's non-performing tolerance. Overall, the policy will effectively alleviate the pressure on the liquidity of enterprises in the post-disaster period, and promote the economic recovery and long-term development.

（1）Clarifying the meaning of commercial insurance annuities, i.e. products designed by commercial insurance companies that combine the functions of pension risk management and sound accumulation of long-term funds, covering various forms such as compliant annuity insurance, endowment insurance and commercial pensions;

（2）Proposing policy guidance and regulatory requirements for promoting the development of commercial insurance annuity business;

（3）The Notice on Development of Commercial Insurance Annuities also emphasizes the optimization of the supply of personal pension products in order to enhance product diversity and the convenience of enrollment. Further, it encourages the development of new products with both pension protection and wealth management functions to meet the needs of a wider range of people, and requires insurance companies to optimize their asset allocation to support high-quality economic development;

（4）The Notice on Development of Commercial Insurance Annuities proposes the establishment of a sound statistical and regulatory system to effectively protect the legitimate rights and interests of insurance consumers.

（1）Definition Clarification: Syndicated loan transfer transactions refer to business activities where the transferring party pre-registers and transfers syndicated loans through the BCAR Center's business system. These transactions are subject to supervision by the NFRA.

（2）Business Requirements: The main parties involved in the syndicated loan transfer and transaction business include the transferor and transferee of the syndicated loan, as well as the agent bank responsible for the transfer of the syndicated loan. The participating entities shall be banking financial institutions with loan operation qualifications, or other entities recognized by the NFRA. The transferor shall ensure that the loan contract and other documents related to the subject matter of the transfer have been validly signed by all parties that has the legal right of disposition, and that there are no other rights over the subject matter of the transfer, including the debtor's right of set-off, which may result in the value of the subject matter of the transfer being impaired. The transferor may transfer part of the syndicated loan held by it, but is limited to transferring the outstanding principal together with the interest receivable in a proportionate split. If a single bank acts as the lead bank, its share of the loan after the transfer must not be less than 15% of the total syndicated financing amount, and the share distributed to other syndicate members must not be less than 30%. If there are co-lead banks or additional co-lead banks in the syndicated loan, each lead bank's share after the transfer must not be less than 10% of the syndicated financing amount, and no single bank's share should exceed 70%. In the case of grouped syndicates, each group must generally have two or more banks participating, and there shall be no more than one group with only one bank.

（3）Centralized registration: The transferor shall submit relevant materials through the business system of the BCAR Center for centralized registration before carrying out the syndicated loan transfer transaction.

（4）Risk management: The transferor and the transferee may engage third-party intermediaries to assist in carrying out relevant work, such as law firms, accounting firms, asset appraisal organizations, valuation organizations, financial consultants and other third-party intermediaries.

（1）Violation of the principle of specialized operation. Private fund managers must exclusively engage in private fund investment management activities. According to AMAC [2024] No. 411, after obtaining registration as a private fund manager in August 2022, the manager continued engaging in lending activities with other companies using its own funds. AMAC revoked the manager’s registration as a disciplinary measure.

（2）The prospectus contained misleading statements creating expectations of guaranteed returns, such as “the investee company’s controlling shareholders commit to using their own funds to supplement dividends if the fund’s annual dividend falls below 8% of its paid-up capital”.

（3）Failure to apply for private equity fund product filing in a timely manner. According to AMAC [2024] No. 421, the manager, as managing partner, established four partnerships for fundraising and investment purposes. These partnerships, operating in fund form for investment activities, fell under Articles 2 and 3 of the Interim Measures for the Supervision and Administration of Privately Offered Investment Funds requiring registration. The manager failed to file these products timely, violating Article 8 of the Interim Measures for the Supervision and Administration of Privately Offered Investment Funds. AMAC issued a warning as disciplinary action against the managers involved.