The fragmented trend of globalization coupled with the pressure to reconstruct emergency response mechanisms is becoming the core challenge for corporate strategic decision-making.

Three driving factors for the evolution of regulatory environment

In 2025, the global financial industry will face unprecedented policy changes, mainly driven by three forces:

Super election cycle: a wave of elections covering 76 economies, especially the November US election, may reshape the international financial governance framework

Geopolitical economic game: The trade friction between China and the United States continues to escalate, and tariff measures may cover goods worth over $500 billion

Risk superposition effect: The geopolitical risk index of the Middle East and Eastern Europe increased by 37% compared to the previous year, coupled with inflation stickiness (the global CPI center remained at 4.2%), forcing financial institutions to deeply intervene in national economic security strategies

In this context, the resilience management capability of cross-border operating institutions has become a core competitive element, and upgrading the risk prevention and control system is urgently needed.

Strategies to address the intensification of regulatory differentiation

Trend observation: Basel Accord 3.1 reform shows significant regional differences, with the implementation progress of the European Union lagging behind the Asia Pacific region by 8 months. The United States adopts a differentiated path in digital asset regulation (with ongoing jurisdictional disputes between the SEC and CFTC)

Practical advice:

1. Establish a three-dimensional monitoring matrix: political direction (weight 40%), regulatory dynamics (35%), technological innovation (25%)

2. Develop multi scenario inference models and preset a library of policy change response plans

3. Build a global local dual track compliance architecture to balance the local regulatory conflicts faced by 83% of multinational corporations

Upgrade of systematic risk prevention and control

Regulatory focus shifts: Third party supplier risk exposure (institutions with a technology dependency of over 60% are listed as key review targets), penetration regulation of non bank institutions (shadow banking system covering 48% of global financial assets)

Typical case: The CrowdStrike incident caused 12 multinational banks' payment systems to crash, resulting in direct losses exceeding $320 million

Implementation points:

■ Draw a technology supplier map, with backup solutions configured for key nodes

Implement transparency improvement project in the field of private equity credit, establish dynamic risk warning indicators (including 8 categories and 32 sub indicators)

Improve the climate stress testing model to cover the 11 core elements recommended by TCFD

New dimensions of consumer rights protection

Regulatory paradigm shift: UK Consumer Responsibility Act creates' appropriate outcome 'standard, 27 regulatory agencies plan to introduce similar mechanism

Key areas:

-Inclusive finance compliance rate: requires services to cover over 90% of credit gap groups

-Anti fraud technology upgrade: biometric verification coverage needs to reach 75%, abnormal transaction interception response time<15 seconds

Execution plan:

▶  Establish a customer profile hierarchical system (6-level classification)

▶  Deploying an intelligent teaching system, reaching over 5 million customers annually

▶  Develop anti money laundering/counter-terrorism financing monitoring model 2.0 version, reducing false alarm rate to 2.3%

Direction of governance architecture reconstruction

Regulatory warning: 89% of institutions exposed to banking crisis in 2023 have lagging risk mitigation measures

Compliance upgrade path:

1. Increase the duration of board risk supervision by 40% and introduce a third-party evaluation mechanism

2. Deploy RegTech solutions and increase data collection frequency to T+1

3. Build a flexible governance framework, with a 100% allocation rate for key positions in AB roles

Strategic response suggestions

1. Establish a regulatory sandbox response mechanism, and the first batch of pilot institutions can receive a 12-month policy adaptation period

2. Develop a regulatory expectation management system that covers 82 key compliance indicators

3. Prepare a white paper on risk resilience index and incorporate it into the Moody's/S&P rating system

（Writer：Galli）