中證網訊(xun)（記者 昝秀麗）中國(guo)人民銀行條法(fa)司副司長劉曉洪21日在2021金(jin)(jin)融(rong)(rong)街論壇(tan)年會上(shang)表示，要加強金(jin)(jin)融(rong)(rong)法(fa)律體系建設(she)，并(bing)將促進金(jin)(jin)融(rong)(rong)更好(hao)服務(wu)實體經濟(ji)的(de)理(li)念(nian)充(chong)分融(rong)(rong)入各項金(jin)(jin)融(rong)(rong)立(li)法(fa)工(gong)作中。

　　一是修(xiu)改《中國人民銀(yin)行法》，完善金(jin)融(rong)(rong)(rong)宏觀(guan)調(diao)控體(ti)系(xi)，為金(jin)融(rong)(rong)(rong)服(fu)務(wu)實(shi)體(ti)經(jing)(jing)濟營造(zao)良好的貨幣金(jin)融(rong)(rong)(rong)環境(jing)。目(mu)前《中國人民銀(yin)行法（修(xiu)訂草案征求意見(jian)稿）》已將“促進(jin)金(jin)融(rong)(rong)(rong)服(fu)務(wu)實(shi)體(ti)經(jing)(jing)濟”明確寫入立(li)法目(mu)的，引導金(jin)融(rong)(rong)(rong)體(ti)系(xi)回歸服(fu)務(wu)實(shi)體(ti)經(jing)(jing)濟的根本定位，同時健全貨幣政策(ce)和宏觀(guan)審(shen)慎(shen)政策(ce)雙支柱調(diao)控框架，提升貨幣政策(ce)和信貸(dai)政策(ce)監管(guan)的有效(xiao)性，進(jin)一步增強金(jin)融(rong)(rong)(rong)宏觀(guan)調(diao)控能力，促進(jin)經(jing)(jing)濟發展。

　　二是修改(gai)《商(shang)業(ye)(ye)銀(yin)行(xing)法(fa)》，引導銀(yin)行(xing)回歸本(ben)源(yuan)、服(fu)務實體經(jing)(jing)濟。人(ren)民銀(yin)行(xing)起草的(de)(de)《商(shang)業(ye)(ye)銀(yin)行(xing)法(fa)（修改(gai)建議稿(gao)）》，擬完(wan)善分類準入和(he)差異化監管(guan)機制，引導銀(yin)行(xing)專業(ye)(ye)化、差異化發展，在適度競(jing)爭中(zhong)增加對(dui)經(jing)(jing)濟社會發展中(zhong)的(de)(de)重(zhong)(zhong)點領域和(he)薄弱環節的(de)(de)優質(zhi)金融供給。完(wan)善商(shang)業(ye)(ye)銀(yin)行(xing)業(ye)(ye)務經(jing)(jing)營規則，明確區域性商(shang)業(ye)(ye)銀(yin)行(xing)的(de)(de)本(ben)地化經(jing)(jing)營要求。尊重(zhong)(zhong)商(shang)業(ye)(ye)銀(yin)行(xing)自主經(jing)(jing)營權和(he)市場主體地位，減(jian)少不必要的(de)(de)行(xing)政(zheng)干(gan)預(yu)，增強服(fu)務實體經(jing)(jing)濟能力。

　　三是健全審慎監(jian)(jian)管(guan)(guan)(guan)基本制度，規(gui)范(fan)金融(rong)(rong)業(ye)務活動，為金融(rong)(rong)服務實體經濟創造良好(hao)的金融(rong)(rong)秩(zhi)序。下(xia)一步，需要加快出(chu)臺(tai)《地(di)方金融(rong)(rong)監(jian)(jian)督管(guan)(guan)(guan)理條例》等法(fa)規(gui)，明確界(jie)定地(di)方金融(rong)(rong)組織的范(fan)圍以(yi)及中(zhong)央與地(di)方金融(rong)(rong)監(jian)(jian)管(guan)(guan)(guan)職責分工，壓實地(di)方政府(fu)屬地(di)監(jian)(jian)管(guan)(guan)(guan)與風險處置責任。規(gui)范(fan)小貸(dai)公(gong)司、典當(dang)行等企業(ye)經營活動，鼓勵引導各(ge)類民(min)間資金和民(min)間借貸(dai)活動依法(fa)合規(gui)運作。

　　四是健(jian)(jian)(jian)全(quan)平(ping)臺企(qi)(qi)業(ye)(ye)金(jin)融(rong)(rong)監管(guan)(guan)(guan)法律制(zhi)度(du)，規(gui)范平(ping)臺經(jing)(jing)(jing)濟(ji)競爭秩序(xu)。中央經(jing)(jing)(jing)濟(ji)工(gong)作會議(yi)提(ti)出要強化(hua)(hua)反(fan)壟(long)斷(duan)(duan)和防止(zhi)(zhi)資(zi)本(ben)無(wu)(wu)序(xu)擴(kuo)張(zhang)，金(jin)融(rong)(rong)創新必(bi)須在(zai)(zai)審慎監管(guan)(guan)(guan)的前提(ti)下(xia)進(jin)行(xing)(xing)。但相(xiang)關監管(guan)(guan)(guan)法律制(zhi)度(du)尚顯(xian)薄(bo)弱，對強化(hua)(hua)反(fan)壟(long)斷(duan)(duan)和防止(zhi)(zhi)資(zi)本(ben)無(wu)(wu)序(xu)擴(kuo)張(zhang)的支(zhi)(zhi)(zhi)撐作用不(bu)足。金(jin)融(rong)(rong)管(guan)(guan)(guan)理部門(men)正在(zai)(zai)持續彌補該領域監管(guan)(guan)(guan)制(zhi)度(du)短板(ban)，堅持金(jin)融(rong)(rong)持牌經(jing)(jing)(jing)營原則(ze)，按照(zhao)業(ye)(ye)務(wu)實質將平(ping)臺企(qi)(qi)業(ye)(ye)各(ge)類金(jin)融(rong)(rong)業(ye)(ye)務(wu)納入(ru)監管(guan)(guan)(guan)。在(zai)(zai)完(wan)善(shan)征(zheng)信、綜合經(jing)(jing)(jing)營金(jin)融(rong)(rong)業(ye)(ye)務(wu)、互聯網存貸(dai)款等(deng)制(zhi)度(du)基礎(chu)上，今年(nian)1月公開(kai)征(zheng)求意見(jian)的《非銀行(xing)(xing)支(zhi)(zhi)(zhi)付(fu)機構(gou)(gou)條例（征(zheng)求意見(jian)稿）》，擬規(gui)范非銀行(xing)(xing)支(zhi)(zhi)(zhi)付(fu)機構(gou)(gou)行(xing)(xing)為，引導非銀行(xing)(xing)支(zhi)(zhi)(zhi)付(fu)機構(gou)(gou)注重(zhong)產品創新和用戶(hu)服(fu)務(wu)，促進(jin)支(zhi)(zhi)(zhi)付(fu)服(fu)務(wu)市場(chang)健(jian)(jian)(jian)康發(fa)展。下(xia)一(yi)步，仍需(xu)規(gui)范健(jian)(jian)(jian)全(quan)金(jin)融(rong)(rong)業(ye)(ye)務(wu)相(xiang)關制(zhi)度(du)，嚴(yan)格落實審慎監管(guan)(guan)(guan)要求，完(wan)善(shan)公司治理，強化(hua)(hua)金(jin)融(rong)(rong)消費(fei)者保(bao)護。深入(ru)研究數據(ju)治理、平(ping)臺經(jing)(jing)(jing)濟(ji)反(fan)壟(long)斷(duan)(duan)、個人信息保(bao)護等(deng)問題，健(jian)(jian)(jian)全(quan)制(zhi)度(du)規(gui)則(ze)，推動平(ping)臺企(qi)(qi)業(ye)(ye)金(jin)融(rong)(rong)業(ye)(ye)務(wu)規(gui)范發(fa)展。