与2018年资管新规颁布时相比，资产管理业务外部环境和自身情况都发生了巨大且深刻的变化，资产管理业务的转型升级仍未到位，历史遗留的深层次问题在下行周期不断暴露，资产管理业务在防范金融风险、服务实体经济、提高投资回报等方面的功能没有得到充分发挥

此前62号文鼓励AMC参与中小金融机构改革化险，拓宽了AMC收购中小银行的资产范围，由三类拓宽至五类；此次发文进一步将该政策的适用范围延伸至大行和股份行

【本文为财新数据通用户专享内容导读】更多精华内容还有：大家保险拟定新舵手；4月焦炭价格先跌后涨；阿根廷通胀迅速攀升；以美元计中国4月进出口同比转正；日本4月外汇储备环比下降140亿美元；香港市场试图吸引沙特资金以重振股市

【本文为财新数据通用户专享内容导读】更多精华内容还有：大家保险拟定新舵手；4月焦炭价格先跌后涨；阿根廷通胀迅速攀升；以美元计中国4月进出口同比转正；日本4月外汇储备环比下降140亿美元；香港市场试图吸引沙特资金以重振股市

4月30日，组织部门在上海保交所宣布了新任董事长，任春生卸任；同日，任春生搭乘飞机从上海回到北京后，随即失联

• In early April 2024, China's financial regulators issued an initiative under the market interest rate pricing self-discipline mechanism to prohibit banks from using manual interest compensation as a means to attract high-interest deposits and maintain order in the deposit market. Banks were required to conduct self-inspections and rectify any non-compliance by the end of April 2024.
• The rate self-discipline mechanism, established in September 2013 and guided by the People's Bank of China, has played a significant role in coordinating market pricing and advancing interest rate market reforms. This initiative marks its first formal issuance in over a decade, reflecting a firm regulatory stance against practices that circumvent deposit rate controls.
• Manual interest compensation was originally intended to correct operational errors but had been exploited by some banks under competitive pressure to offer higher than regulated deposit rates, particularly to major corporate clients. This practice was seen as contributing to inefficient capital utilization and financial risks, prompting zero tolerance from regulators aiming to curb these activities.

【本文系数据通用户提前专享】监管部门对银行手工补息、高息揽储零容忍，剑指企业资金空转；短期整治之后，还有待经济转型升级、有效需求恢复、社会预期改善

监管部门对银行手工补息、高息揽储零容忍，剑指企业资金空转；短期整治之后，还有待经济转型升级、有效需求恢复、社会预期改善

新增“资产质量迁徙情况、处置前不良贷款形成率、担保增信类互联网贷款业务在代偿赔付前的逾期贷款形成率”三个考核指标；鼓励拓宽自营渠道，加强合作机构管理

• In 2023, the growth rate of retail loans in the banking sector slowed due to a decline in personal housing mortgage loans, traditionally a major component of retail lending. By the end of Q3 2023, the year-over-year growth rate of domestic retail loans was 6.85%, a decrease of 32 basis points from the same period in 2022.
• The balance of personal housing loans nationwide by the end of 2023 was ¥38.17 trillion, marking a year-over-year decrease of 1.6% and the first negative growth since 1997. Major banks reported similar trends with a collective reduction in mortgage loan balances amounting to ¥5166.26 billion, or a decline of 1.95%.
• Amidst these challenges, banks have shifted focus towards consumer loans targeting high-quality customer groups and personal business loans aimed at individual entrepreneurs and rural households, seeing these as areas with potential for growth despite existing financing difficulties for these groups.

【本文系数据通用户提前专享】信用卡业务挣扎转型，消费贷和个人经营贷成为银行零售贷款转型的新赛道，但难以弥补按揭贷款下滑的缺口，且不良率有抬升的趋势。零售业务究竟是希望还是负累？

信用卡业务挣扎转型，消费贷和个人经营贷成为银行零售贷款转型的新赛道，但难以弥补按揭贷款下滑的缺口，且不良率有抬升的趋势。零售业务究竟是希望还是负累？

将黄金积存产品以及国债、代销理财产品纳入简化提取范围；银行可以应第一顺序继承人要求，提供已故存款人死亡后以及死亡前6个月内的账户交易明细

老龄人口增长迅速，养老金财富储备压力山大；对于养老金融产品、养老金融服务、养老产业的金融服务，都需要做一些长期安排，这是应对人口老龄化的一个重要解决方案

财新传媒举办首届中国养老产业论坛，携手政策监管层、健康养老机构、金融机构、行业协会人士与知名专家学者，就养老金融、养老产业等话题建言献策