Just now, the Central Bank and the CBRC announced!

On September 9th, the day before the Mid -Autumn Festival, the Central Bank and the China Banking Regulatory Commission released a list of important banks in my country in 2022. The domestic system important banks with more than 2 trillion yuan of banks and total assets were selected.

In fact, as early as December 3, 2020, the Central Bank and the CBRC issued the "System Important Bank Evaluation Measures", mainly to improve the regulatory framework of my country's systematic financial institutions and establish a systemic bank evaluation and identification mechanism. Essence Under this mechanism, the important bank of my country's system is identified, and the list is issued every year. The system importance banks are differentiated according to the list to effectively maintain financial stability.

my country's system important bank list is released

19 banks this year were shortlisted

In order to strengthen macro -prudential management and strengthen system importance bank supervision, in accordance with the "System Important Bank Evaluation Measures", the People's Bank of China and the Bank of China Insurance Supervision and Administration Commission have carried out the evaluation of the my country System Important Bank in 2022 to identify 19 domestic systems. Important banks, including 6 State Commercial Banks, 9 joint -stock commercial banks, and 4 urban commercial banks.

According to the system importance, scores from low to high into five groups: the first group of 9, including China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Guangfa Bank, Bank of Jiangsu, Bank of Shanghai, Bank of Beijing; There are 3 groups in the second group, including CITIC Bank, China Postal Savings Bank, and Pudong Development Bank; the third group of 3, including Bank of Communications, China Merchants Bank, and Industrial Bank; Banks, Agricultural Bank of China; no banks enter the fifth group.

In the next step, the People's Bank of China and the Bank of China Insurance Supervision and Administration will continue to do a good job of systematic bank additional supervision in accordance with the requirements of the "System Important Bank Additional Supervision Regulations (Trial)", and enhance macro -prudential management and micro -prudential supervision joint efforts. , Promote the stable operation and healthy development of the system.

Publish a list of important banks every year

Perform differentiated supervision and effectively maintain financial stability

In fact, as early as December 3, 2020, the Central Bank and the CBRC released the "System Important Bank Evaluation Measures" (hereinafter referred to as the "Evaluation Measures"). Regulatory framework, establish a system importance bank evaluation and identification mechanism.

As one of the "Guiding Opinions on Improving the Supervision of System Heades", the "Evaluation Measures" is the basis for the identification of my country's systemic banks, and it is also the basis for my country's systemic banks. Requires and implement the basis of early correction mechanism.

The main content of the "Evaluation Measures" is to clarify the purpose of the evaluation. Identify the important banks of systems in my country, issue a list every year, and conduct differentiated supervision of system importance banks according to the list to effectively maintain financial stability. The second is to determine the evaluation method. Calculate the system importance score of the banking bank with quantitative evaluation indicators, and then make supervision judgments based on other quantitative and qualitative information. The third is to clarify the evaluation process. Determine the scope of participating banks every year, collect the data from the banks for calculation, propose the initial list of the system importance banks, combine the supervision judgment, and make necessary adjustments to the initial list.

The person in charge of the relevant departments of the Central Bank and the Banking Regulatory Commission responded to the reporter's question on the "Evaluation Measures for System Important Banks", and also mentioned the background of the "Evaluation Measures". High degree, strong correlation with other financial institutions. Once a problem occurs, it may have strong contagiousness on the financial system, and it may also have a great impact on the macroeconomic operation. Therefore, since the international financial crisis, strengthening the supervision and prevention of "big but not down" of systemic financial institutions has become an important part of the global financial supervision reform.

In November 2018, with the consent of the Party Central Committee and the State Council, the People's Bank of China, the CBRC, and the Securities Regulatory Commission jointly issued the "Guiding Opinions on Improving the Supervision of System Important Financial Institutions", which clarified the evaluation and identification, additional supervision, and additional supervision of the importance of my country's systemic important financial institutions in China The overall institutional framework of resume disposal. Considering that the banking industry occupies an important position in my country's financial system, four banks including ICBC, Agricultural Bank, Bank of China, and Construction Bank have been selected as a global system important bank list. Subsequent release system importance banks and implementation of additional supervision requirements laid the foundation.

From the perspective of the evaluation method, the "Evaluation Measures" clarify the evaluation methods, evaluation scope, evaluation process and work division of labor in my country's systemic importance banks. Important Bank's evaluation index system. During the specific evaluation, the data submitted template and data filling in the bank will be sent to the participating banks, collecting the participating bank data and conducting evaluation.

The assessment process is: First, the system importance score of the bank with quantitative evaluation indicators is used to calculate the bank's system importance, and the banks with a score of 100 points are included in the initial list of the system importance bank. Then make supervision judgments based on other quantitative and qualitative information, and comprehensively evaluate the system importance of participating banks. The final list of the system important bank was determined by the State Council's Financial Stability Development Committee, and was jointly released by the People's Bank of China and the Banking Commission. On the basis of the above documents, in order to improve the regulatory framework of the importance of my country's systemic importance and clarify the additional regulatory requirements of system importance banks, on October 15, 2021, the Central Bank and the China Banking Regulatory Commission also issued the "System Important Bank Additional Regulatory Regulations (Trial)" Essence The "Administrative Regulations" draws on the practical experience of international financial supervision, fully consider the actual situation of the banking industry in my country, help improve my country's macro -prudential policy framework, supplement the shortcomings of the bank supervision system of the system, and maintain the stability of the financial system.

The main contents of the "Administrative Regulations" include: First, to clarify the requirements of additional regulatory indicators, including additional capital and additional leverage. The second is to clarify the requirements of recovery and disposal plans. System importance banks should formulate the group level recovery plan and disposal planning suggestions, and submit the crisis management team led by the People's Bank of China for review in accordance with regulations. The third is to clarify the requirements of prudent supervision, including information reporting and disclosure, risk data plus and risk reports, corporate governance requirements, etc. The People's Bank of China and the Bank of China Insurance Supervision and Administration Commission can prompt the risk to the systemic importance banks in a timely manner based on monitoring and analysis and pressure test results to urge systemic financial risks.

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