Wen Finance (69) ｜ Where is your money safer?

After some village and township banks have successively appeared in thunderstorms, the attention of storeders' attention to funding security has risen rapidly.

On September 9, the central bank's official website released the important bank of my country's systematic systems identified by the People's Bank of China and the China Banking Regulatory Commission, and a total of 19 banks entered the list.

It is identified that the systemic bank is an international practice. Since the People's Bank of China and the China Banking Regulatory Commission announced the "System Important Bank Evaluation Measures" in December 2020, this is the second time that the important bank evaluation of the system of system is launched.

These 19 banks can be regarded as an important guidance to ensure the security of capital.

【one】

Although the number remains unchanged, from the perspective of the release time and bit change, there are still many highlights worthy of attention.

The list of important banks selected by the system is based on the "System Important Bank Evaluation Measures" jointly released by the People's Bank of China and the China Banking Regulatory Commission in December 2020 (hereinafter referred to as the "Evaluation Measures").

The "Evaluation Measures" clarifies the purpose of the evaluation, that is, identify the important banks of the system of systems in my country, and release the list each year. According to the list, the systemic -important banks are differentiated to supervise the stability of financial stability. It can be seen that preventing financial risks is the primary goal of systemic banks. System importance banks use quantitative evaluation index to calculate the system importance score of participating banks, and then make supervision judgments based on other quantitative and qualitative information. Later, it was announced after strict evaluation process.

Judging from the time announced this year, it was more than a month earlier than the first announcement on October 15, 2021. The reason why it is obviously related to some village and towns' mines early, the central bank aims to remind the public to pay attention to financial risks and guide the public to conduct rational risk assessment. In addition, this year's international situation is changing, and banks and even banks entering the list are also important for the prevention of financial risks.

【two】

In 2022, there were 19 my country's systematic importance banks, including 6 commercial banks, 9 joint -stock commercial banks, and 4 urban commercial banks. According to the importance of system importance, they scored from low to high into five groups.

There are nine groups in the first group, 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;

3 groups, including CITIC Bank, China Postal Savings Bank, SPD Bank;

The third group, including the Bank of Communications, China Merchants Bank, and Industrial Bank;

4 groups in the fourth group, including Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China;

The fifth group has not entered.

Compared with the 19th bank list announced in 2021, the biggest change is: the first set of lists increased from 8 to 9, and China Minsheng Bank from the previous second group of "surrender" to the first group of the first group The second set of lists was reduced from the previous four to three. In addition, in the first group, China Everbright Bank surpassed Ping An Bank.

Why has Minsheng Bank adjusted this time? While announced the list of 19 domestic system important banks for the first time, the People's Bank of China and the China Banking Regulatory Commission issued the "System Important Bank Additional Supervision Regulations (Trial)" (hereinafter referred to as the "Administrative Regulations"). Higher capital and leverage requirements. According to the provisions of the "Additional Supervision", the system importance banks are divided into five groups. The rate is 50%of the additional capital, 0.125%, 0.25%, 0.375%, 0.5%, and 0.75%. In other words, Minsheng Bank applies to the requirements of the first group in terms of capital and leverage requirements.

【three】

Judging from the list announced for two consecutive years, there are the following characteristics.

"Building farmers in workers" is still the ceiling of domestic banks, although this is different from the sequence of "workers and peasants" often said in the industry. In fact, Industrial and Commercial Bank of China in terms of asset scale and total profit are all worthy of the title of "universe bank". In addition, the Bank of China is international in the field of urban construction, and the Agricultural Bank of China is far ahead in the coverage of service outlets. In view of its asset scale and resource endowment, and even compliance management and historical accumulation, it is an indispensable for ordinary urban commercial banks and joint -stock commercial banks. The four major state -owned banks are still the Dinghai God needle of the Chinese banking industry.

Taking the Agricultural Bank of China as an example, the Ministry of Finance is its second largest shareholder and has a profital assessment requirement. In addition to industry management, the People's Bank of China, commonly known as the "central mother", has higher requirements for its social responsibility and other aspects.

The Bank of Communications, China Merchants Bank, and Industrial Bank are the first echelons of joint -stock commercial banks. These three banks have developed from regional banks, and their business is all over the country and overseas. Marketization is particularly distinctive in terms of service. It is expected that in the future, it will encounter challenges launched by CITIC, Postal Savings and SPD. The latter will encounter the impact of "promotion" for people's livelihood and Everbright Bank.

Ping An, Huaxia, Ningbo, Guangfa, Jiangsu, Shanghai, and Beijing can be regarded as an excellent representative of the city commercial bank and have certain advantages in specific areas. These banks also face the catch -up of banks such as Hangzhou, Nanjing, Chengdu.

There is a list of 19 systematic and important banks in hand. Wherever the money is stored, you can do it, instead of being blinded by the seductiveness of the momentum.

Source ｜ Jingbao APP

Reporter: Hu Wen

Figure: Xu Qingdong

Edit: Chen Zhangwei

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