2013-CHINA BANKING REGULATORY COMMISSION-Annual Report-中国银行业监督管理委员会2013年报

内容简介

    《China Banking Regulatory Commission 2013 annual report》（以下简称《年报》）全面公布了2013年银行业相关数据、银监会发布的各项监管政策，以及银监会在银行业监管方面取得的成效。同时，对2014年银监会监管重点进行了介绍。《年报》的发布对银行业2014年的发展有一定的指导意义。

目录

Contents
Chairman's Statement
about the CBRC
Our history and development
Our mandates, objectives & missions
Our philosophy, approach & criteria
Management
International Advisory Council (IAC)
Organizational structure
Part One Economic & Banking Developments
Macroeconomic and financial environment
Latest development of China's banking sector
Part Two Banking Reform and Development
Reform and transformation of the banking sector
Latest developments in the opening-up of the banking sector
Financial innovation
Part Three Supporting Economic Restructuring, Transformation and Upgrading
Tapping the idle capital while making good use of incremental capital
Supporting key areas and industries
Promoting green credit and addressing overcapacity
Financial services for Micro and Small Enterprises (MSEs)
Financial services in rural areas
Thematic Column 1: CBRC continued to expand the "Three Major Projects"
to support agro-related services
The development of consumer finance
China (Shanghai) Pilot Free Trade Zone and development of the banking sector
Supporting enterprises to "go global"
Balanced regional development
Part Four Prudential Supervision
Macro-prudential supervision
Corporate governance and internal controls
Capital regulation
Thematic Column 2: Chinese-version basel III passed international assessment
Credit risk supervision
Liquidity risk supervision
Operational risk supervision
IT risk supervision
Market risk supervision
Country risk supervision
Reputational risk supervision
Part Five Banking Consumer Protection and Education
Development of the banking consumer protection regulatory framework
Efforts made by banking institutions to fulfill their responsibilities
Financial knowledge publicity
Strengthening public education
Strengthening research on banking consumer protection
Part Six Improvement of Regulatory framework and Supervisory Capability
Supervisory thinking
Improving legal framework
Supervisory approaches
Supervisory cooperation and coordination
Organizational development
Part Seven Strengthening Transparency and Market Discipline
Enhancing information disclosure
Improving transparency of the banking sector
Strengthening market discipline
Part Eight Social Responsibility
Promoting institutional development and supervisory guidance
Securing quality financial services during public holidays
Supporting disaster relief and post-disaster reconstruction
Supporting charity and poverty-stricken areas
Enhancing labor development and caring for employees' growth
Part Nine Outlook
Economic and financial outlook
Supervisory focuses in 2014
Mid- to long-term plan and outlook of banking supervision
Part Ten Appen

摘要与插图

  The CBRC will allow finance companies to issue financial bonds in due course
  Mr. LI Jianhua, Director General of the CBRC Non-banking Financial Institutions Supervision Department said that there were 174 finance companies in China by the end of October, with on- and off-balance sheet assets of RMB4.14 trillion, when attending the 2013 annual conference of the finance companies of corporate groups on November 28. Going forward, Finance companies meeting supervisory requirements will be allowed to extend their financial services to cover the downstream and upstream sectors along their groups’ industrial chains. The CBRC will vigorously support the business innovation of finance companies, and allow them to issue financial debts in due course.
  NPL ratio standing at 0.11 percent
  According to LI, by the end of October this year, the shareholders' equity of China's finance companies reached RMB350 billion, over 9 times the capital strength in 2003, with an average CAR of 28 percent and NPL ratio of 0.11 percent. 141 finance companies enjoyed zero bad assets. As of end-2012, finance companies served over 350,000 group affiliates, among which 746 were listed companies.
  LI also expressed that, in order to reform finance companies, the CBRC will defend the risk bottom line, optimize regulatory approaches, improve supervisory efficiency and promote the stable, compliant, innovative and disciplinary development of finance companies. Firstly, more emphasis will be laid on risk control and prevention to prevent systemic and regional risks; secondly, more focus will be dedicated to compliance management by raising incompliant costs.
  Innovating services for real economy
  Finance companies have shifted their business from the simple "deposit-taking, loan-making and settlement" into comprehensive financial services covering centralized capital management, investment and wealth management as well as financial advisory. Last year, finance companies handled RMB199.6 billion settlement deals worthy of RMB280 trillion for group affiliates, and foreign exchange business including settlement, sales and trade that they’ve dealt was worth RMB220 billion.
  LI pointed out that there are also problems with finance companies including: the lower capital concentration for the industry in general, with capital concentration of some newly established finance companies to be improved; continuous migration into off-balance sheet business with compliance of entrusted business to be further enhanced; over-emphasis on investment and financing by some companies thus deviating from their own functional positioning; management level, technical strength and professionals' quality still to be improved.
  The CBRC required finance companies to take root in real economy, and optimize financial resources for their groups' core business and key industries