這是用戶在 2024-8-23 10:24 為 https://ccob.my/about/ 保存的雙語快照頁面，由 沉浸式翻譯 提供雙語支持。了解如何保存？
ccob_logo_en
CCOB Task Force


About Us 關於我們

The Consumer Credit Oversight Board Task Force (CCOB Task Force) was set up in July 2021 and is led by the Ministry of Finance (MOF), Bank Negara Malaysia (BNM) and the Securities Commission Malaysia (SC) to drive the enactment of the CCA. This effort is undertaken in close collaboration with the Ministry of Domestic Trade and Consumer Affairs (KPDNHEP), the Ministry of Housing and Local Government (KPKT), the Ministry of Entrepreneur and Cooperatives Development (KUSKOP) and Malaysia Co-operative Societies Commission (SKM).
消費者信貸監督委員會工作小組（CCOB工作小組）於2021年7月成立，由財政部（MOF）、馬來西亞國家銀行（BNM）和馬來西亞證券委員會（SC）領導，旨在推動頒布CCA。這項工作是與國內貿易和消費者事務部（KPDNHEP）、住房和地方政府部（KPKT）、企業家和合作社發展部（KUSKOP）以及馬來西亞合作社委員會（SKM）密切合作進行的）。

What are the functions of CCOB?
CCOB有哪些功能？

The establishment of the CCOB is intended to regulate non-bank credit providers and credit service providers.
CCOB的成立旨在規範非銀行信貸提供者和信貸服務提供者。

Enactment of the CCA CCA的頒布

The enactment of the Consumer Credit law is to ensure fair treatment of borrowers. Currently, there are multiple laws governing consumer credit activities and there are fragmented regulatory and supervisory frameworks and varying level of protection accorded to consumers.
消費信貸法的製定是為了確保借款人得到公平對待。目前，監管消費信貸活動的法律有多種，監管框架分散，對消費者的保護程度也各不相同。


Fair lending practices 公平借貸實踐
Impose minimum standards of conduct on all consumer credit providers
對所有消費信貸提供者實行最低行為標準
Policy coherence & coordination
政策一致性和協調
Setting up of a Council for Consumer Credit, an inter-agency platform in Phase I & II
建立消費者信貸委員會，第一和第二階段的跨機構平台
Phased Approach 分階段方法

The transformation of the consumer credit regulatory landscape will be completed in phases. This approach was taken to facilitate a smooth transition and minimise any unintended disruptions in the consumer credit industry while enabling the CCOB to enhance its capability and capacity to assume greater responsibilities over time. The phased approach is further explained below:
消費信貸監理格局的轉變將分階段完成。採取這種方法是為了促進平穩過渡並最大限度地減少消費信貸行業的任何意外中斷，同時使 CCOB 能夠增強其能力和能力，隨著時間的推移承擔更大的責任。分階段法進一步解釋如下：

Phase 1 (upon enactment of CCA; 2023-2024)
第一階段（CCA 頒布後；2023-2024 年）
  • Existing ministries and agencies i.e., BNM, SC, SKM, KPDNHEP, and KPKT will continue to serve as the RSAs for their respective sectors under Phase 1;
    現有的部會和機構，即 BNM、SC、SKM、KPDNHEP 和 KPKT 將繼續在第一階段擔任各自部門的 RSA；
  • The CCOB will be the competent authority overseeing credit providers and credit service providers that are currently unregulated by any authority;
    CCOB 將成為監管目前不受任何機構監管的信貸提供者和信貸服務提供者的主管機關；
  • The CCA will have enabling provisions for the CCOB to issue guidelines which could be similarly adopted and enforced by the relevant RSAs on its regulated entities;
    CCA 將為 CCOB 制定授權條款，以發布指南，相關 RSA 可以對其受監管實體同樣採用和執行這些指南；
  • The Hire-Purchase Act (HPA) will be amended or repealed with the relevant provisions to be included into the CCA. KPDNHEP, as a RSA, will continue to oversee the activities of non-bank hire-purchase companies, repossession agents and credit sales providers;
    《租購法》（HPA）將被修訂或廢除，相關條款將納入 CCA。 KPDNHEP 作為 RSA，將繼續監督非銀行分期付款公司、收回代理商和信貸銷售提供者的活動；
  • The CCA will facilitate Islamic credit business by non-bank credit providers by including provisions to ensure that such credit providers and its product offerings comply with Shariah principles. KPKT’s regulatory ambit will be expanded to include Islamic financing activities and Islamic pawnbroking activities which are not governed under the Islamic Financial Services Act (Act 759) and the Cooperative Societies Act 1993 (Act 502), while KPDNHEP will oversee non-bank Islamic hire-purchase business.
    CCA 將透過納入確保此類信貸提供者及其產品符合伊斯蘭教法原則的規定，促進非銀行信貸提供者的伊斯蘭信貸業務。 KPKT 的監管範圍將擴大到包括不受《伊斯蘭金融服務法》（第759 號法案）和《1993 年合作社法》（第502 號法案）管轄的伊斯蘭融資活動和伊斯蘭典當活動，而KPDNHEP 將監督非銀行伊斯蘭僱傭活動。
  • The existing moneylenders’ and pawnbrokers’ licences obtained under the Moneylenders Act and Pawnbrokers Act respectively, as well as permits issued to individuals for repossession of goods under Hire-Purchase Act, will remain valid with the enactment of the CCA in Phase 1; and
    分別根據《放債人法》和《當鋪法》獲得的現有放債人和典當商執照，以及根據《租購法》向個人收回貨物頒發的許可證，將在第一階段 CCA 頒布後繼續有效；和
  • Consumer credit activities by banks will remain under the oversight of BNM.
    銀行的消費信貸活動仍將受到國家銀行的監管。

Phase 2 (2025-2029) 第二階段（2025-2029）
The regulatory functions in respect of consumer credit activities under KPDNHEP and KPKT will be transferred to CCOB, while BNM, SC and SKM will continue to act as the RSAs for the entities under their respective purview. The Moneylenders Act, Pawnbrokers Act as well as provisions relating to credit sales transactions under the Consumer Protection Act will be repealed and all relevant provisions will be retained and subsumed under the amended CCA.
KPDNHEP 和 KPKT 下的消費信貸活動監管職能將移交給 CCOB，而 BNM、SC 和 SKM 將繼續擔任各自職權範圍內實體的 RSA。 《放債人法》、《當鋪法》以及《消費者保護法》中有關賒銷交易的規定將被廢除，所有相關規定將保留並納入修訂後的 CCA 中。

Phase 3 (2030 onwards) 第三階段（2030年起）
It is envisioned that in the next 5 to 10 years, the financial industry’s regulatory architecture in Malaysia will evolve towards the Twin Peaks model of financial regulation; whereby it separates financial regulation into two broad functions: market conduct regulation (which includes credit consumer protection) and prudential regulation.
預計未來5至10年，馬來西亞金融業的監理架構將朝著雙峰金融監理模式發展；它將金融監理分為兩大功能：市場行為監理（包括信貸消費者保護）和審慎監理。

ccob-chart1