The Chinese regulatory department plans to divide commercial banks into three grades to match different capital regulatory programs.
According to the website of the China Banking Regulatory Commission's website on Saturday (February 18), the China Banking and Insurance Regulatory Commission in accordance with the People's Bank of China to carry out the revision of the capital management measures (trial) of the People's Bank of China to publicly solicit opinions from the society.
The focus of revised includes: build a differentiated capital regulatory system, comprehensively revise risk -weighted asset measurement rules, ensure the applicability and prudentiality of risk weights, strengthen supervision and inspection, and improve information disclosure standards.
Specifically to build a differentiated capital regulatory system, the opinion draft proposes that according to the business scale and risk differences between banks, it is divided into three grade banks to match different capital regulatory programs.Among them, banks with larger scale or many cross -border business are classified as the first grade, and international rules of capital supervision are marked.The third gear is a commercial bank with a scale of less than 10 billion yuan (RMB and about S $ 1.947 billion), which further simplifies capital measurement and guides to focus on serving counties and small and micro.
The opinion draft states that differentiated capital supervision does not reduce capital requirements. Under the premise of maintaining the overall stability of the banking industry, it stimulates the financial water role of small and medium -sized banks and reduce the cost of bank compliance.
Next, the CBRC will further modify and improve the capital management measures (drafts for comments) and implement the implementation in a timely manner in accordance with the feedback from all walks of life from all walks of life.
