# financial stability
Latest news and articles about financial stability
Total: 8 articles found
PBOC Governor Pledges Continued Targeted Easing and Stronger Counter‑Cyclical Tools to Support Growth
PBOC Governor Pan Gongsheng told an expert forum the bank will maintain an "appropriately loose" monetary stance and expand counter‑cyclical and cross‑cycle measures to support the economy. The bank has already adjusted structural tools and intends to balance targeted easing with financial‑stability safeguards.
Bank of England to Model an 'AI Shock' and Weigh It in Bank Stress Tests
The Bank of England will run a scenario exercise to assess how a rapid, disruptive wave of AI adoption could trigger widespread unemployment and business failures and is considering including the findings in bank stress tests. The exercise aims to quantify credit and capital risks from a potential surge in household and corporate defaults, while forcing banks and regulators to confront difficult modelling and policy choices.
Beijing Tightens Disclosure Rules for Private Funds, Bans Performance Forecasts and Return Guarantees
China’s securities regulator has issued new measures to tighten disclosure and curb misleading marketing by private funds, banning performance forecasts and guarantees of principal or minimum returns. The rules, effective September 1, 2026, strengthen custodial review, reporting obligations and enforcement powers, and are likely to raise compliance costs while improving investor protection and market credibility.
China Tightens Noose on Tokenised Assets: Domestic Ban on RWA Tokenisation and Offshore Clampdown on RMB Stablecoins
China has tightened crypto regulation by banning onshore tokenisation of real-world assets and forbidding domestic parties from issuing RMB-pegged stablecoins overseas. The twin actions aim to curb disguised fundraising, clarify legal ties between tokens and underlying assets, block cross-border regulatory arbitrage, and steer activity into sanctioned, supervised channels.
Shanghai Lawmaker Calls for Citywide AI Governance — From Mandatory Watermarks to a Content‑Safety Detection Hub
A Shanghai deputy and securities technologist, Zhan Tingting, has called for a Shanghai‑specific, citywide AI governance system combining a municipal content‑safety detection centre, mandatory non‑removable digital watermarks for AIGC, new local AI laws including protections for minors, and shared tools to detect AI‑enabled financial manipulation. The proposals aim to balance rapid AI adoption with data security, market integrity and public resilience.
China’s Small Banks Raise Deposit Stakes: Rural Lenders Lead a Wave of Short‑Term, High‑Threshold CDs
Regional and rural commercial banks in China have aggressively issued short‑term, large‑denomination certificates of deposit and modestly raised one‑to‑three‑year time deposit rates to attract funds ahead of the spring lending season. These moves contrast with state banks’ retrenchment from long‑dated high‑coupon deposits and reflect margin pressure and fierce local competition for deposits.
China’s Small Banks Raise Deposit Rates in Targeted Push for Funds — A Sign of Funding Strain, Not a Market Reprieve
Several Chinese small and rural banks have raised deposit rates selectively — by up to about 20 basis points — using time-limited or high-minimum products to attract funding at the start of 2026. The moves reflect year-beginning funding drives and competitive pressures on institutions with weaker deposit franchises, not a broad reversal of the downtrend in deposit pricing.
Beijing Lowers Down‑Payment Floor for Commercial Property to 30% — A Targeted Stimulus for a Stalled Market
China's central bank and national financial regulator have lowered the minimum down payment for commercial property purchases to 30%, allowing provincial regulators to set higher city‑level floors. The measure aims to ease inventory pressures in the commercial sector but faces limits given structural demand weakness and potential risk to bank balance sheets.