銀監(jiān)會(huì)監(jiān)督管理措施相關(guān)規(guī)定一、背景中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)（以下簡(jiǎn)稱“銀監(jiān)會(huì)”）是國(guó)務(wù)院授權(quán)的銀行業(yè)監(jiān)督管理機(jī)構(gòu)，主要負(fù)責(zé)監(jiān)督管理金融機(jī)構(gòu)的風(fēng)險(xiǎn)和合規(guī)情況，保障金融安全和市場(chǎng)秩序。銀監(jiān)會(huì)監(jiān)管措施是銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象實(shí)施的監(jiān)督、管理、預(yù)警、處置和評(píng)估的手段，是監(jiān)管職能的具體體現(xiàn)。二、監(jiān)督措施種類1.警示函警示函是銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象發(fā)出的書面警示通知，主要是對(duì)監(jiān)管對(duì)象存在的違規(guī)行為進(jìn)行書面警告，督促其改正。監(jiān)管對(duì)象必須在指定期限內(nèi)整改，對(duì)于拒不整改或整改不到位的，銀監(jiān)會(huì)可以采取相關(guān)監(jiān)管措施。2.監(jiān)管談話監(jiān)管談話是銀監(jiān)會(huì)對(duì)銀行業(yè)監(jiān)管對(duì)象進(jìn)行的口頭告誡和督促，針對(duì)特定問題，要求監(jiān)管對(duì)象進(jìn)行整改。監(jiān)管談話重在約談，通過與監(jiān)管對(duì)象溝通交流，達(dá)成共識(shí)，進(jìn)一步厘清監(jiān)管對(duì)象風(fēng)險(xiǎn)狀況，推動(dòng)其主動(dòng)改進(jìn)和完善。3.現(xiàn)場(chǎng)檢查現(xiàn)場(chǎng)檢查是指銀監(jiān)會(huì)派駐現(xiàn)場(chǎng)督導(dǎo)組前往監(jiān)管對(duì)象現(xiàn)場(chǎng)進(jìn)行檢查的監(jiān)管措施，主要對(duì)監(jiān)管對(duì)象的業(yè)務(wù)流程、經(jīng)營(yíng)狀況、財(cái)務(wù)會(huì)計(jì)、內(nèi)部控制等方面進(jìn)行檢查，評(píng)估監(jiān)管對(duì)象的風(fēng)險(xiǎn)和合規(guī)情況，及時(shí)發(fā)現(xiàn)潛在問題，促進(jìn)監(jiān)管對(duì)象規(guī)范經(jīng)營(yíng)。4.立案調(diào)查立案調(diào)查是指銀監(jiān)會(huì)對(duì)銀行業(yè)監(jiān)管對(duì)象實(shí)施調(diào)查的監(jiān)管措施，主要針對(duì)違法違規(guī)的監(jiān)管對(duì)象，對(duì)其經(jīng)營(yíng)行為、管理制度等方面進(jìn)行全面深入地調(diào)查取證，獲取案件相關(guān)的真實(shí)性和有效性，為后續(xù)的行政處罰或刑事追究奠定基礎(chǔ)。5.行政處罰行政處罰是指銀監(jiān)會(huì)對(duì)銀行業(yè)監(jiān)管對(duì)象違法違規(guī)行為的懲罰措施，包括警告、罰款、責(zé)令改正、責(zé)令停業(yè)整頓、吊銷執(zhí)照、吊銷注冊(cè)登記等幾種形式。銀監(jiān)會(huì)將依據(jù)監(jiān)管對(duì)象違規(guī)程度、危害后果等情況，一視同仁對(duì)監(jiān)管對(duì)象作出相應(yīng)的行政處罰。三、監(jiān)管措施實(shí)施要求銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象采取監(jiān)管措施應(yīng)當(dāng)遵循以下原則：1.合法性原則銀監(jiān)會(huì)監(jiān)管措施的采取必須在法律和相關(guān)規(guī)定的范圍內(nèi)進(jìn)行，嚴(yán)格遵循程序，保障監(jiān)管對(duì)象的合法權(quán)益，防止采取措施對(duì)監(jiān)管對(duì)象造成不必要的損失和影響。2.公正性原則銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象的監(jiān)管措施必須公正、公平和客觀，采取措施要有明確的依據(jù)和合理的理由，對(duì)監(jiān)管對(duì)象進(jìn)行公開、公平的評(píng)估和審查，不應(yīng)予以歧視和不公平的對(duì)待。3.效率性原則銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象的監(jiān)管措施必須高效、穩(wěn)妥和有效，督促監(jiān)管對(duì)象及時(shí)整改違規(guī)行為，防范風(fēng)險(xiǎn)，維護(hù)市場(chǎng)秩序和金融安全。四、總結(jié)銀監(jiān)會(huì)監(jiān)管措施是銀監(jiān)會(huì)對(duì)監(jiān)管對(duì)象實(shí)施監(jiān)督管理的手段，不同于傳統(tǒng)的財(cái)務(wù)審計(jì)等監(jiān)管措施，它涵蓋了多種手段和環(huán)節(jié)，具有綜合性、專業(yè)性和系統(tǒng)性等特點(diǎn)。銀監(jiān)會(huì)將堅(jiān)持依法行政、嚴(yán)格監(jiān)管