www射-国产免费一级-欧美福利-亚洲成人福利-成人一区在线观看-亚州成人

  Home>News Center>Bizchina
       
 

New banking risk system lauded
By Zhang Dingmin (China Daily)
Updated: 2004-02-24 14:30

Chinese experts on February 23 lauded banking regulators' new system designed to evaluate risks at joint-stock commercial banks, but stressed that an improved operating mechanism is the final solution to risk prevention.

The China Banking Regulatory Commission (CBRC) unveiled the risk rating system for the nation's 11 joint-stock commercial banks on February 22, covering key areas like capital adequacy, asset quality, management performance and profitability.

The system, the first of its kind in China, contains measures to evaluate key indicators both on a qualitative and quantative basis, and provides differentiated regulatory treatment to banks with different ratings.

"It's very detailed, and covers all the major areas that should be covered," said He Minhua, vice-president of China Chengxin International Credit Rating Co Ltd, a major rating firm in the Chinese market. "I think it's workable," she added.

Niu Li, a senior analyst with the State Information Centre, said the new system is a further step by the banking watchdog to tackle financial risks, a big obstacle plaguing the Chinese banking sector.

"Financial reform just has to stop lagging behind, or it will be difficult for banks to survive," he said.

The local market is scheduled to be fully opened up to foreign banks by the end of 2006 as part of China's World Trade Organization commitments.

The risk rating system, the results of which the CBRC said will be included in qualification requirements for senior bank executives, is expected to play a role in rationalizing lending decisions, and subsequently bringing down non-performing loan ratios, analysts said.

Chinese Premier Wen Jiabao told the nation's financial regulators earlier this month that an expansion in bank loans last year had fuelled over-investment in some industries like cement and steel.

Major reasons behind the banks' blind lending behaviour include a desire to grab a bigger market share despite high costs and risks, and inadequate oversight on lending decisions, Wen said.

The new rating system gives greater weight to the capital adequacy ratio, which requires banks to be careful when granting new loans that will bring down the ratio.

Still, Wang said:"What is at the root (of risk prevention) is not technique or criteria. We need to really see a new operating mechanism at those banks."

A number of joint-stock commercial banks are already listed on the stock market or have ushered in foreign investors, both moves aimed at bringing about a more commercially based operating mechanism.

Earlier this year, the CBRC expressed support to foreign investors buying stakes in the joint-stock commercial banks as a way of accelerating their reform.

With a shorter history than the four largest State-owned banks, they are among the healthiest of the Chinese banking sector.

The 11 lenders reported an average non-performing loan ratio of 7.92 per cent at the end of last year, in comparison with 20.36 for the four State-owned lenders.

Their outstanding volume of non-performing loans was 187.7 billion yuan (US$22.6 billion) at the end of last year.

Seven of them have a capital adequacy ratio above the minimal regulatory requirement of 8 per cent.

Yet the vast majority of China's banking institutions, including 112 city commercial banks and more than 30,000 rural credit co-operatives, fail to meet that requirement.

Some analysts challenged the CBRC's decision of publicizing the rating results for the time being.

The CBRC said it would only make public the results of relevant departments, and will decide when to start publishing the ratings later.

"Because it's a tentative regulation, it's likely that it needs some further improvements," He Minghua said.

The ratings would be helpful to regulators, but He said it should not be the regulators but independent rating companies that publish bank ratings for the public.

"We need a more market-oriented way to do that," she said. "If the rating is done by an independent rating company, it will better serve the public."



 
  Story Tools  
   
  Related Stories  
   
New law justifies banking watchdog
Manufacturers, Exporters, Wholesalers - Global trade starts here.

 

Advertisement
         
主站蜘蛛池模板: 激情丝袜美女视频二区 | 久草新视频 | 手机看片在线精品观看 | 亚洲系列在线 | 97视频在线观看免费视频 | 亚州中文 | 成人高清视频在线观看 | 一级毛片真人免费播放视频 | 女人叉开腿让男人捅 | 性欧美欧美之巨大69 | 欧美一区二区三区不卡免费 | 亚洲免费在线观看视频 | 久久夜色精品国产亚洲 | 亚洲精品推荐 | 国产亚洲精品成人婷婷久久小说 | 黄色成人在线网站 | 日本作爱 | 亚洲精品一区二三区在线观看 | 91日韩精品天海翼在线观看 | 国产一级特黄aa级特黄裸毛片 | 日本一区二区高清不卡 | 色爽爽爽爽爽爽爽爽 | 在线观看日韩www视频免费 | 亚洲毛片在线看 | 免费国产综合视频在线看 | 老鸭窝 国产 精品 91 | 国产欧美久久久精品 | 97视频在线看 | 男人添女人下面免费毛片 | 国产一区亚洲二区 | 久草资源在线播放 | 目韩一区二区三区系列片丶 | 草草视频免费在线观看 | 日韩欧美一区二区三区不卡视频 | 久久在视频 | 香港激情黄三级在线视频 | 国产精品人成 | 一区二区三区视频在线观看 | 欧美精品99久久久久久人 | 亚洲国产精品久久久久 | 日本精品三级 |