cciia.org.cn 2022-12-5 8:15:48 人(ren)民(min)網-人(ren)民(min)日報
本報北京12月4日電 (記者歐陽潔)為進一(yi)步加強商(shang)業(ye)(ye)(ye)銀行表(biao)外(wai)業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)險管(guan)(guan)(guan)理,銀保監會對《商(shang)業(ye)(ye)(ye)銀行表(biao)外(wai)業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)險管(guan)(guan)(guan)理指引(yin)》進行了全(quan)面修訂(ding),形成(cheng)了《商(shang)業(ye)(ye)(ye)銀行表(biao)外(wai)業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)險管(guan)(guan)(guan)理辦法(fa)》(以(yi)下簡稱《辦法(fa)》)。《辦法(fa)》要(yao)求(qiu)商(shang)業(ye)(ye)(ye)銀行應將(jiang)表(biao)外(wai)業(ye)(ye)(ye)務(wu)(wu)(wu)納入全(quan)面風(feng)險管(guan)(guan)(guan)理體(ti)系,準(zhun)確識別各類(lei)表(biao)外(wai)業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)險,并根據業(ye)(ye)(ye)務(wu)(wu)(wu)種類(lei)和風(feng)險特(te)征實(shi)行差異化管(guan)(guan)(guan)理。
《辦(ban)法》將表外(wai)(wai)業(ye)(ye)(ye)務(wu)(wu)劃分為(wei)擔(dan)(dan)保(bao)承(cheng)諾(nuo)類(lei)、代(dai)(dai)理投融(rong)資服(fu)務(wu)(wu)類(lei)、中(zhong)介服(fu)務(wu)(wu)類(lei)、其(qi)他類(lei)四(si)大類(lei),對(dui)不同類(lei)型(xing)的(de)表外(wai)(wai)業(ye)(ye)(ye)務(wu)(wu)提(ti)出了差(cha)異化的(de)監管和管理要求。對(dui)銀行(xing)承(cheng)擔(dan)(dan)信(xin)用(yong)風(feng)(feng)(feng)(feng)險(xian)的(de)擔(dan)(dan)保(bao)承(cheng)諾(nuo)類(lei)業(ye)(ye)(ye)務(wu)(wu),重點(dian)監管信(xin)用(yong)風(feng)(feng)(feng)(feng)險(xian),關注統一授信(xin)執行(xing)、表外(wai)(wai)業(ye)(ye)(ye)務(wu)(wu)信(xin)用(yong)風(feng)(feng)(feng)(feng)險(xian)轉(zhuan)換系數、表外(wai)(wai)業(ye)(ye)(ye)務(wu)(wu)墊款等情(qing)況。對(dui)代(dai)(dai)理投融(rong)資服(fu)務(wu)(wu)類(lei)、中(zhong)介服(fu)務(wu)(wu)類(lei)業(ye)(ye)(ye)務(wu)(wu),重點(dian)監管操作風(feng)(feng)(feng)(feng)險(xian)、聲譽(yu)風(feng)(feng)(feng)(feng)險(xian),關注業(ye)(ye)(ye)務(wu)(wu)操作規范、客戶投訴、金融(rong)消(xiao)費者保(bao)護等情(qing)況。
《辦法》要(yao)求(qiu)商業(ye)銀行按(an)照實質重(zhong)于(yu)形(xing)式(shi)原則和(he)(he)穿透原則,準確識別、評估和(he)(he)緩(huan)釋各類表外業(ye)務(wu)(wu)風(feng)險(xian)(xian),針對相關資(zi)產(chan)的風(feng)險(xian)(xian)分類和(he)(he)減值準備計(ji)提(ti)、風(feng)險(xian)(xian)加權資(zi)產(chan)計(ji)量和(he)(he)資(zi)本計(ji)提(ti)、相關風(feng)險(xian)(xian)準備金(jin)計(ji)提(ti)等方面提(ti)出(chu)明確要(yao)求(qiu)。同(tong)時(shi)要(yao)求(qiu)銀行對表外業(ye)務(wu)(wu)情況(kuang)進行信(xin)息(xi)披露。信(xin)息(xi)披露的內容包(bao)括但(dan)不限于(yu)各類表外業(ye)務(wu)(wu)的規模、結構(gou)、風(feng)險(xian)(xian)狀況(kuang)等。
日期:2022-12-5 8:15:48 | 關閉 |
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