Timely Introduction Of Bank Capital Risk Supervision Rules
cbrc
President Shang Fulin wrote in the latest issue of "seeking truth" that the CBRC resolutely implemented the decision making arrangements of the Party Central Committee and the State Council, strictly adhered to the bottom line of risk supervision, worked hard to promote the banking industry to raise the level of financial services, ensure the sustained and stable operation of the banking industry, and better support the development of the real economy.
The full text is as follows:
The central economic work conference clearly pointed out that we should soberly understand the complexity of the international situation and the major contradictions and problems facing the domestic economy, and grasp the general keynote of "steady progress".
The CBRC will resolutely implement the decisions and arrangements of the CPC Central Committee and the State Council, strictly abide by the bottom line of risk supervision, and strive to promote the banking sector to raise the level of financial services, ensure sustained and steady operation of the banking sector and better support the development of the real economy.
First, we should have a clear understanding of the complexity and severity of the situation and scientifically grasp the general keynote of "steady progress".
At present, the international economic and financial environment is in a very difficult period since 2008.
World economic growth slowed down, international trade growth slowed down, and international financial markets were turbulent.
The European debt crisis has spread from the periphery countries to the core countries and the banking industry. High unemployment and high debt may persist for a long time, and the political and economic difficulties are intertwined.
Emerging economies are facing the dual pressure of economic slowdown and inflation, and may be hit by the "big in and out" of cross-border hot money.
At present, the domestic economy continues to develop towards the direction of macro regulation and control, showing a good momentum of rapid growth, stable prices, better returns and better people's livelihood, but also faces many difficulties and challenges.
The contradictions and problems of unbalanced, uncoordinated and unsustainable economic development are still outstanding, and the downward pressure on the economy has increased.
The contradiction between overcapacity in some industries is prominent, and the operating cost of enterprises is rising.
Under the influence of macro environment, bank credit risk and liquidity risk of local government financing platform and real estate have been exposed, and the risk prevention and control situation such as cases is not optimistic.
We must soberly understand the difficulties and challenges we face, strengthen our confidence, grasp the favorable conditions inside and outside the country, strengthen risk assessment, prepare early plans, and take timely measures to enhance our ability to respond effectively.
"Steady progress" is the central keynote of this year's economic work.
The stability of banking supervision is to strictly abide by the bottom line of risks, promote the steady operation of banking industry and maintain financial stability.
To achieve "entry" in banking supervision, we must unswervingly push ahead with deepening the reform and opening up of the banking sector, enhance the level of financial services, and further promote the building of our own regulatory capacity.
Only by conscientiously carrying out the duties of "stability" and losing the opportunity to do well in the work of "entering" and achieving "steady progress" can we really accomplish the tasks entrusted to us by the party and the people.
Two, strictly abide by the bottom line of risk and ensure sustained and stable operation of the banking industry.
according to
National Conference on financial work
The spirit of adhering to the principle of actively guarding against and eliminating risks, the CBRC should continue to maintain the continuity and stability of regulatory policies, strictly guard against the exposure of key areas and key industries, and promote the sustained and stable operation of the banking industry.
Continue to strengthen credit risk prevention and control.
Credit risk is the main risk facing the banking industry.
The CBRC has always attached great importance to credit risk, and has tried hard to urge banking financial institutions to strengthen credit risk management from various aspects.
In recent years, the quality of banking assets has improved continuously, and the ability to withstand risks has increased significantly.
By the end of 2011, the non-performing loan ratio of banking financial institutions was 1.8%, and the provision coverage rate of commercial banks reached 278.9%.
This year, the CBRC will continue to require banking financial institutions to strengthen credit risk investigation in key areas and key industries, take timely and appropriate measures to deal with them, conduct prospective management of potential credit risks, improve the five level classification management of loans, fully implement various regulatory requirements of credit management, and actively use risk management tools such as stress testing to continuously enhance credit risk management capabilities.
At the same time, the CBRC will strengthen credit risk warning and early warning in various ways, and constantly promote the construction of risk monitoring information system, and strive to achieve early detection, early intervention and early disposal.
Effectively enhance liquidity risk management.
Since 2011, the liquidity pressure of banking industry has increased significantly, and the difficulty of liquidity risk management has been increasing.
At present, the CBRC is formulating new regulations on liquidity risk supervision according to the new international regulatory standards, and urges banks to improve the scientific liquidity assessment system and strictly implement the daily average assessment requirements of deposit and loan indicators.
Further understanding and application of new regulatory indicators such as liquidity coverage (LCR) and net stabilization fund ratio (NSFR).
We should strengthen the stability management of financing sources, accelerate the improvement of the policy, process, technology and information system support system for liquidity management, and effectively improve the level of liquidity risk management.
Efforts should be made to prevent case risks and cross market risks.
Recently, the unusual, unstable and inconsistent phenomena in the financial sector have risen.
In order to maintain the normal financial order, the CBRC has issued a number of regulatory measures against the case control, bank credit cooperation and financial services, and has strengthened the whole process management of the loan so as to ensure that the credit funds really support the development of the real economy.
At the next stage, the CBRC will continue to maintain the high pressure of case prevention and control, prevent operational risks, standardize the development of bank financial services, and guard against the risks of off balance sheet business and bank credit cooperative business.
At the same time, we should continue to give full play to the advantages of illegal fund-raising and standardize the responsibilities of leading departments of financing guarantee institutions, cooperate with local governments in strengthening clean-up and rectification, severely crack down on illegal and fund-raising activities such as illegal fund-raising, timely and properly handle risk events such as capital chain breakage, and maintain financial stability.
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Three, constantly improve the level of banking services, and strive to promote banking reform, and effectively enhance the effectiveness of regulation.
according to
Central economic work conference
The CBRC will implement the four "firmly grasp": firmly grasp the strategic basis of expanding domestic demand, urge the banking industry to accelerate the innovation of financial products, meet the reasonable financial needs, firmly grasp the solid foundation of developing the real economy, promote the reasonable growth of bank credit, supervise the real flow of credit capital into the real economy, firmly grasp the powerful driving force of accelerating reform and innovation, deepen the reform of banking system and mechanism, accelerate the pformation of financial development mode, firmly grasp the fundamental purpose of ensuring and improving people's livelihood, optimize the credit structure of banks, and increase the support for key areas and weak links.
We will raise the level of banking financial services and promote the steady and rapid development of the real economy.
The CBRC will adhere to the essential requirements of the financial services entity economy, and provide guidance, assistance and control in order to promote coordination between bank credit policies and industrial policies, and deepen financial support for weak links such as small and micro enterprises and agriculture, rural areas and farmers.
First, continue to strengthen financial services for small and micro enterprises.
The CBRC attaches great importance to the financial services of small and micro enterprises, and has issued a number of encouragement and support policies from the aspects of market access, loan to deposit ratio assessment, capital measurement, tolerance of non-performing loans, loan fees, special financial bonds issued by small and micro enterprises, and so on, and requires banks not to collect promise fees and funds management fees for small and micro enterprise loans.
By the end of 2011, the number of small business loans increased by 25.8% over the same period last year, 10.3 percentage points higher than the average growth rate of corporate loans.
The CBRC will continue to promote the differential supervision policy of small and micro enterprises, and guide banking financial institutions to speed up product and service innovation, and strengthen financial support for small and micro enterprises that meet the industrial policy, market demand and demand, and strive to achieve the growth rate of loans for small businesses not less than the average growth rate of loans, and the loan increment is no less than the "two no less than" targets of last year.
Two, we should actively increase financial support for agriculture, rural areas and farmers.
By the end of 2011, the balance of agriculture related loans reached 14 trillion and 600 billion yuan, an increase of 24.9% over the previous year, 8.8 percentage points higher than the average growth rate of loans.
A total of 726 rural banks have been set up throughout the country to achieve full coverage of basic financial services and towns.
The CBRC will continue to promote the improvement of the institutional mechanisms for agriculture related financial services, enhance the ability of banks to continue to support agriculture, and promote the "two full coverage" of financial institutions and financial services in rural areas.
We should actively foster new rural financial institutions, encourage and guide high quality principal banks to set up village banks, focus on deepening the reform of rural credit cooperatives, and raise the level of financial services for agriculture, rural areas and farmers.
The three is to vigorously promote industrial upgrading and pformation.
The CBRC will continue to guide banks' financial institutions to increase their credit reasonably and moderately, and to optimize and adjust the credit structure.
We should vigorously implement green credit, strictly grasp the policy boundaries such as industry admittance, environmental assessment and energy consumption review, strictly control the loan of "inferior industries" with "two high and one remaining" industries, promote mergers and reorganization, and promote the rationalization of industrial distribution.
At the same time, we should actively support the upgrading of export industrial structure through effective credit leverage.
The four is to ensure the demand for funds in key areas of the country.
The CBRC will continue to urge the banking financial institutions to actively cooperate with the implementation of the state's industrial policies and key projects, and ensure that the capital requirements for projects such as water conservancy, railways, major equipment and other projects under construction have been approved.
We will vigorously support key industries and major projects identified in the 12th Five-Year plan, and strengthen financial support for key emerging industries such as strategic emerging industries, energy conservation, environmental protection, technological innovation and modern service industries.
We will continue to support the development of the western region, the rise of the central region and the revitalization of the old industrial base in the northeast.
The CBRC will further strengthen financial consumer protection, urge banking financial institutions to establish a scientific, reasonable, open and pparent charging system, clarify pricing strategies, principles and procedures, and strictly prohibit illegal behaviors such as false promises, bundling sales and arbitrary charges.
We should deepen the reform of banking system and mechanism and accelerate the pformation of development mode.
In recent years, China's banking sector reform has achieved remarkable results. The CBRC will continue to push the banking sector to deepen its reform, accelerate the pformation of development mode, enhance its core competitiveness, and continuously enhance its financial services capabilities.
One is to promote the effectiveness of corporate governance.
We should further improve shareholders' rights to perform their duties according to law, fulfill the obligations of the board of directors, and actively implement the system of "fiduciary duty" and "custody responsibility", and urge banking financial institutions to establish a scientific and efficient mechanism for decision-making, execution, supervision and checks and balances.
Two is to urge banks to improve and strengthen risk management.
We should establish and improve a risk management system with full coverage, build an effective risk preference framework, strengthen risk prevention and disposal of key areas and key industries, and improve the foresight and effectiveness of potential risk management.
Three is to promote the reform of bank performance appraisal mechanism.
Reasonably reduce the scale assessment weight, link the salary incentive with the long-term risk responsibility, and establish the salary mechanism which embodies the concept of sustainable development.
Four is to guide the banking industry differential competition and characteristic development.
We should constantly clarify the market positioning and business models, cultivate and develop comparative advantages, form distinctive service and market brands, effectively change the situation of homogenization competition, and enhance the core competitiveness.
Five, we should continue to promote the opening up of banking industry.
We should deepen cooperation between Chinese banks and overseas strategic investors and guide foreign banks' rational distribution in China.
To promote the scientific development of overseas business by Chinese banking financial institutions and strengthen country risk prevention.
We should strengthen the supervision capability and enhance the effectiveness of supervision.
The CBRC will continue to improve the prudential regulatory policy framework, push forward the implementation of the new regulatory standards, improve the regulatory system and mechanism, strengthen the supervision team building, strengthen supervision and execution, and enhance the effectiveness of supervision.
First, we should improve the prudent regulatory policy framework and push forward the implementation of new regulatory standards.
In line with China's national conditions, we must steadily implement the new international regulatory standards, and timely introduce regulatory rules for capital and liquidity risks of commercial banks.
Study the implementation of differentiated management system of capital management, promote banks to establish stable, high-quality and diversified capital replenishment mechanism, and more effective liquidity risk management system.
The two is to further improve the regulatory system and mechanism.
We should improve the medium and long-term plan for improving the effectiveness of banking supervision, and decompose, refine and implement all aspects of supervision capacity building.
We should promote market access, off-site supervision and on-site inspection to support each other, verify each other and promote each other.
We should strengthen coordination and coordination between functional supervision and institutional supervision, improve functional supervision means and tools, and constantly improve the level of supervision professionalism.
The three is to strengthen supervision and execution.
We should constantly enhance the independence, pertinence and foresight of supervision, and carry out effective supervision and intervention according to the risk level of banks, and try to rectify the occurrence and accumulation of unprudent situations from the source.
We should strengthen the post evaluation of regulatory policies, promote coordination with relevant departments, and continuously improve the effectiveness of regulatory policies.
Four, we must vigorously strengthen the supervision team building.
We should improve the organizational structure of supervision and deepen the reform of the cadre and personnel system.
In line with the new situation and new requirements, we should do well the ideological and political work of cadres and workers and strengthen the education of the socialist core value system.
We should vigorously train a team of supervisory talents with international vision and enhance the professionalism of supervision.
We should advocate a solid and rigorous supervision style and build a good banking supervision culture.
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