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
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• 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!