Transcript 银行业评级方法概述
中国银行业监督管理委员会 China Banking Regulatory Commission Speech at the 1st Pan-Asian Regulatory Summit Dr. YAN Qingmin Director-General China Banking Regulatory Commission 中国银行业监督管理委员会 China Banking Regulatory Commission Main Contents 1 2 3 • A sustained and stable development in China’s banking sector • A risk-based and consolidated supervision with strong controls and transparency • Both banks and the regulator shall make efforts to improve capabilities to deal with crisis 中国银行业监督管理委员会 China Banking Regulatory Commission A sustained and stable development in China’s banking sector By the end of June this year: 一级分行 • CAR 11.1%, core CAR 9% 中国银行业监督管理委员会 China Banking Regulatory Commission • Total assets reached 87.2 trillion RMB, • NPLs ratio 1.3%, provisioning coverage ratio 186% • 226.98 billion RMB net profits, of which 14.9% from fee-based business •ROE 19%, ROA 1.1% 中国银行业监督管理委员会 China Banking Regulatory Commission CBRC: A risk-based and consolidated supervision with strong controls and transparency Combine RuleBased Supervision with Principlebased Supervision Combine InstitutionalBased Supervision with Businessbased Supervision Combine Macrosupervision with Microsupervision 中国银行业监督管理委员会 China Banking Regulatory Commission Joint efforts to improve capabilities to deal with crisis Common equity and retained earnings no less than 75% of Tier-1 capital Large exposure requirement for single client and group clients Banks 0.5% countercyclical capital buffer to address credit expansion Another 2% capital buffer for all the banks and 1% additional capital for SIFIs 中国银行业监督管理委员会 China Banking Regulatory Commission Joint efforts to improve capabilities to deal with crisis (Cont’d) China Banking Regulatory Commission Re-install the market confidence by reacting counter-cyclically Closely monitor those industries with active speculative activities •10 measures to promote the stable economic development •Enhance the cross-border supervisory coordination and information exchange Require the bank to limit the loan-tovalue of loans to developers, strictly comply with the policies targeting loans to second and more homes Address the pro-cyclical activities Issue the supervisory guidelines regarding the compensation packages in commercial banks Signal the risks in the designing and marketing of wealth management products Set the principle of ‘buyers pay for his own decision and sellers are responsible for risk disclosure’ 中国银行业监督管理委员会 China Banking Regulatory Commission Thanks!