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2022年第三季度亚太地区金融服务监管政策更新

金融2022-10-15-德勤杨***

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The Deloitte Asia Pacific Financial Services Centre for Regulatory Update for Q3 2022 highlights the top six regulatory hot topics in the region. These include COVID-19 measures, governance and strategic/reputational risk, financial risk, operational and conduct risk, financial crime, and data and technology. In Australia, APRA has released its updated Corporate Plan for 2022-23, with a key priority being the preservation of the resilience of banks, insurers, and superannuation funds. APRA is also consulting on a new draft Prudential Standard, CPS 230 Operational Risk, which aims to modernize the prudential architecture, strengthen cyber resilience, and respond to outsourcing and business continuity management standards. In China Mainland, the ASIC Corporate Plan focuses on design and distribution, supervision, and enforcement.

Deloitte AsiaPacificFinancialServicesCENTREfor RegulatoryUpdateREGULATORY Q32022STRATEGY ASIAPACIFIC October2022 RegulatoryHotTopics-Topsixmosttalkedaboutthemesthisguarter Introduction FinancialProducts, Instruments&Services Systemic/CurrencySummary Stability Australia Approach 12 Updates 9 25Data&TechnologySupervisory8 ChinaMainland HongKongSAR India Updates Indonesia UpdatesTaxonomyJapan Updates 1.COVID-19MeasuresMalaysia Climate&Sustainability 2.Govermance&Strategic/Reputational RiskNewZealand 3.FinancialRisk Philippines 4.Operational&ConductRisk 6 5.FinancialCrimeSingapore FinancialRisk6.ConsumerProtection 7.Data&Technology 8.FinancialProducts,Instruments&Taiwan Services Updates 9.FinancialMarketInfrastructureThailand 10 SouthKorea Updates 10.Systemic/CurrencyStability 11.Enforcement Vietnam 12,SupervisoryApproachContacts 2022,Forinfomstion,ContactsDeloitbeToucheTohmatsuLimitec Australia(1/2) Introduction APRAandASICreleaseCorporatePlans On8August2022,APRApublisheditsupdatedCorporatePlanfor2022-23,Akeypriorityremainspreservingtheresilienceofbanks,insurersandsuperannuationfunds.Further, APRAconsultsonthedraftPrudentialStandard,CPS230Operational RiskManagement APRAisconsultingonanewdraftPrudentialStandard,CPS230OperationalRisk Summary Australia APRAwillmodernisetheprudentialarchitecture,strengthencyberresilience,respondtoStandardsonoutsourcing(CPS231)andbusinesscontinuitymanagement(CPS232), andpractices. acrossthebanking,insurance,andsuperannuationindustries.Theconsolidationand streamliningofrequirementsareintendedtobereflectiveofAPRA'sshifttowardsoutcomes-ChinaMainland itsCorporatePlanforthenextfouryears(2022-26).TheASICCorporatePlanfocuseson designanddistribution,sustainablefinance,retirementdecisionmaking,andtechnologyrisks,suchascyberriskanddigitallyenabledmisconduct.AS1Calsoconfirmedthatit continuestoconsiderlitigationasameansofenforcement,ifappropriate. financialinstitutions.ThefinalversionofCPS230isexpectedtobereleasedinearly2023,andtocomeintoforcefrom1January2024. HongKongSAR India APRACorporatePlan.(2022-23)Discussionpaper-Strengtheningoperationalriskmanagement(forPrudentialStandardCPS A51CCorporatePlan(2022-26)230_Operational_Risk_Management) APRAnotifyingregulatedentitiesaftermajordatabreachplanning Indonesia Japan On6September2022,APRAbeganconsultationsonPrudentialPracticeGuides,CPG190Malaysia Subsequenttoacyber-attackreportedbyamajorAustraliantelecommunicationentityonFinanciaiContingencyPlanningandCPG900ResolutionPlanning.Theguideswillprovide reviewandupliftcontrolsonhigh-riskprocessesandtransactionswherepossible.This clarityon,andassistregulatedentitiesinmeetingtherequirementsoftheequivalentprucentialstandardsthathavebeenproposed,i.e,CPS190FinancialContingencyPlanning NewZealand includesareasofdigitalcustomeronboarding,andsettingupfirst-timepayees.EntitiesandCPS900ResolutionPlanning.Thecorecbjectiveseftheguidanceandstandardswillbe shouldadditionallycommunicatetothelircustomersandralseawarenessonmeasuresthatminimisetheriskoffraud. toensurebetterpreparedness,andintheunlikelycaseoffailure,thecapacitytoachievePhilippines orderlyresolutionofsituatiorsthatmaylimittheviabilityofanentity.Thestandardsare APRAnews-Optusdatabreach:anupdateforAPRAregulatedentities expectedtocomeintoeffecton1January2024. Singapore Enhancementstostrategicplanningandmemberoutcomesin Submissionstotheconsultationarerequestedby6December2022. SouthKorea Superannuationcialcontingency_and resolutionplannin On1August2022,APRAproposedarangeofchangestothePrudentialStandard,SPS515Discussion_paperStrengtheningcrisispreparedness StrategicPlanningandMemberOutcomes,whichrequirestrusteestoevaluatetheir performanceindeliveringqualityoutcomestomembers,Thestandardaimstobetterensure Thailand financialprojections,ancensuringtimelyactienstakentoaddressunderperformance. Submlsslonstothediscusslonpaperarerequestedby11November2022. Vietnam Discussion_paper-Strategic.planning_and_memberoutcomes:Proposed_enhancements Contacts 2022,Forinfommstion,ContactsDeloitteToucheTohmstsuLUimitedsisPscificririancislServicesRegyUpdsteQ12022 Australia(2/2) Introduction APRAtomoderniseitsprudentialarchitectureNewremediationguidancereleased Summary On12September2022,APRAoutlineditsapproachtoachievingoneofitscorestrateg Followingatyarpublicconsultationprocess,ASIChaspublishednewremediation initiativesoutlinedintheirCorporatePlan-modernisingtheprudentialarchitecture.APRA'sguidance,RG277ConsumerRemedietion,toheipfinancialinstitutionsremediatetheircustomersquicklyandeffectively.TheguidereplacesRG256forallfutureremediations Australia theregulatoryframework*clearer,simplerandmoreadaptable,*throughaseriesofinitiatedonorafter27September2022,andappliestoAustralianfinancialservices initiativesfocusedon: •Betterregulationensuringstandardsandguidanceareeasytounderstand,easytoupninecoreprinciplesofremediationandrulesaboutproactivelyinitiatingremediations, navigate,andeasytoimplement:determiningremediationoutcomes,anddeliveringanappropriateoutcome,The9principles forconducting

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