Chinas policy banks financial supervision and An.docx
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Chinas policy banks financial supervision and An.docx
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ChinaspolicybanksfinancialsupervisionandAn
China'spolicybanksfinancialsupervisionandAnalysis
Supervisionofthecompetentauthorityaccordingtothelawmeanthatourfinancialinstitutionsandtheiroperatingconditionsoffinancialsupervisionandmanagement,andmaintainanormalfinancialorderandprotecttheinterestsofdepositorsandinvestorstoprotectthefinancialsystemissafe,healthy,efficientoperation.Inthispaper,developmentbanks,regulatoryagenciesovertheyearstoacceptthesupervisionofthepracticeoftheregulatorysupervisionofpolicybanksandthepresenceofproposedimprovements.
1,regulatorsofthepolicythemainelementsofbankingsupervision
(A)Marketaccessregulation.Regulatoryagenciesaccordingtolaw,theestablishmentofpolicybanks,changeandterminationofthereviewandapproval,itsbusinessscopeandfunctionsofthepositiontobedefined.
(B)thequalificationsofseniormanagersreviewandannualappraisal.MainlyfromGermany,ability,diligence,andachievementsandtoreceiveoff-sitesupervisionofregulatorybodiessuchasthefiveaspectsofthereviewandappraisal.
(C)compliancechecks.Controlpolicybank“financialinstitutionslegalpersonlicenses”,“FinancialInstitutionsBusinessLicense”tochecksettingsorchangetheapprovalprocessiscompletethematter,whetherultra-authority,superscope,seniormanagementchangestoproceduresarecomplete,businessoperatingconditionsthelegalityofcompliance,internalcontrolsystemisperfect.
(D)thedailyoff-sitesupervision.Accordingtothepolicystatementsofthebank’sregularreport,reports,mainlyfromthefiveaspectsofthemonitoringindicators:
Loantoinvestinindex,safetyindex,liquidityindex,efficiencyindexandtotalcontrolofbusinessanalysisandmonitoringindicators.
Second,regulatoryproblemsin
Financialsupervisionofpolicybanksexistingfollowingareas:
(A)thefinancialregulationsarenotsoundandisnotacomprehensivepolicy-orientedbankslawandpolicybanksspecificallyregulatedbythelawsandregulations.OnlyinaccordancewiththecharacteristicsofpolicybankstoenactaspecificpolicyoftheBankingActinordertofundamentallysolvethequestionofthedirectionofpolicybanks.Foreignpolicybanksarethefirstlegislation,aftertheChinaConstructionBank,regardlessoftheinternationalsetupapolicybankearliertime,theUnitedStates,CanadaandGermany,ortheestablishmentoflateinJapan,SouthKorea,havedevelopedtheirownpolicybankslaw,suchastheUnitedStates,“NationalBankingAct”,“BankingLaw,”Japan’s“policyofinvestmentbankingLaw.”China’sthreepolicybankswereestablishedin1994todeterminethefunctionsofthreepolicybanks,mission,businessgoalsandobjectivesbasedprimarilyonthefoundingoftheStateCounciloftherelevantdocuments,regulatorybasisforthe“People’sBankLaw”andtherelated“Law”,“GeneralRulesonLoans”andsoon.However,withthedevelopmentofourcountryandthefinancialsituationchanges,policy-orientedbanksoperatingenvironmenthasundergonegreatchanges,anurgentneedtodevelopasoundpolicy-orientedbankinglawsandspecificpolicy-orientedbanksforfinancialsupervisionlawsorregulations,toaclearlegalstatusofpolicybanks,regulatethebusinessconductpolicy-orientedbanks,andsupervisionaccordingtolaw.
(B)off-sitesupervisionofalotofindicatorsareforreferenceandfollowthestandardsofcommercialbanksneedtobeadjustedandmodified.Regulatoryagenciesforcommercialbanksandpolicybankstomonitorreportsgenerallydividedintosevenparts,ofwhichonlyapartofdifferent1000istorequirebankstosubmitloanstoinvestinpolicyanalysis,oneistoaskcommercialbankstosubmitthecapitaladequacyratioanalysis,requiredtosubmitre-branchesoftwocorporateloansandinaccordancewithaclassificationofspentmorethantwoassetqualityconditions.Thesetofindicators,reflectingtheregulatorysupervisionofbanksonthepolicycontentandtargetswerenotinaccordancewiththeirdevelopmentsituationandinternationalpracticetobeadjustedaccordingly,butcopyingthetargetsofsupervisionofcommercialbanks.
(C)themeansofsupervisionandbackward,regulatoryqualityandefficiencyisnothigh.Inrecentyears,regulatorshavebeendevelopedwithdifferentcharacteristics,coveringthedifferentbusinessfunctionsofthemultipleversionsoffinancialregulatoryinformationsystem.However,thesesystemsandpoliciesoftheBank’sbusinessdevelopmentandaccessiontoWTO,thefinancialsupervisionofproposedstandardized,andsystematiccomparedtotherequirementstherearemanyobviousdeficienciesandproblems.Mainlyforthepolicybankisnotoperationalcharacteristicsofspeciallydevelopedmonitoringproceduresandsystems,resultinginsubstantialduplicationofeffort,efficiencyisnothigh.
Third,theproposedregulatory
Inmyopinion,tobuildonthepolicy-orientedbanksscience,andefficientregulatorysystem,sothatpolicy-orientedbankscarryingoutthe“itisnecessarytoguardagainstfinancialrisks,butalsotosupporteconomicgrowth,”animportantprinciple,givefullplaytotheroleofmonetarypolicyshouldbefocusedonfromthetoimprovethefollowingareas:
(A)expeditiouslyenacta“policyoftheBankingAct”andthespecificpolicy-orientedbankstomonitortherelevantlaws,regulations,sothatpolicy-orientedbankfinancialsupervisionlegalizedandstandardized.“ThenewBaselII”toacountry’sfinancialregulatorylawasaneffectivefinancialregulatoryinfrastructure,andrequestedtheregulatoryauthoritiesinaccordancewithregulationsrequiredbylawtoexercisesupervisionoverthefinancialindustryandconstantlyimprovethestandardizationofsupervisionandtransparency.Forthefinanciallegalsystemisnotperfect,inparticular,isnotacompletepolicyoftheBankingActandcorrespondingregulations,istroubledbyChina’sregulatorsandregulatorsofthemajorproblems.Therefore,anurgentneedtoexpeditethedevelopmentoffinancialsupervisionandlegalsystem,theimplementationofsupervisionaccordingtolaw.Intheformulationoflegislation,onepolicybankaccordingtothedifferentcharacteristicsandscopeofbusiness,respectively,fordifferentpolicybankregulationsorlaws,acleardefinitionofpolicybanks,nature,functionsandtasks,organizationalmodels,businessscopeandbasicbusinessrules,andtherelationshipbetweencommercialbanks,financialaccounting,supervisionandmanagementandlegalliability.Second,istoimprovethepolicy-orientedbanksinfinancialsupervisionandregulationsystem,whichrendersmonitoringinstitutionalization,standardization,inordertoensurethehealthydevelopmentofpolicy-orientedbanks.
(B)formulatingthemonitoringindicatorsand,fromacompliance-basedregulationtowardsrisk-basedsupervision.Regulatoryauthoritiesaccordingtonationalstrategiesandannualeconomicdevelopmentplan,toconsiderthreepolicybanksandfinancingsourcesofcapitalsize,businessscope,businessobjectivesandoperationalfeatures,namely,todesignappropriatepolicybankoperationsandmanagementofspecializedmonitoringindicatorsandcontent,shouldinsistoncomplianceandrisksimultaneously,inordertorisk-basedguidelines.BecauseChina’spolicybankstostrictlyfollowthestateenactedlawsandregulationstocarryoutbusiness,establishedarelativelyperfectandcompletetheloanprocessandrules.DevelopmentBank,inviewoflongtermloans,mostlyin5-10years,someupto20years,supportedbyindustriessuchaspower,railwayprojects,theborrower’slegalsystemischanging.Proposaltoregulatethesectorinaccordancewithnationalmacro-economicpolicyandcentralbankmonetarypolicy,combinedwiththedevelopmentinrecentyears,developmentbanks,first,thatthepresenttwocorporateloansandotherindicatorsre-evaluation,reviseandimprovethesavingsandprofitandplanstocompleteanumberofothermonitoringindicators;twopolicybankstoincreasethetimelyimplementationofnationalmacroeconomicpoliciesandindustrialpolicies,creditorientationisreasonable,theinternalcontrolsystemcaneffectivelypreventandcontrolcreditrisk,toensurethesecurityofthenationalcreditfunds,theloantermstructureandthestructuralsourcesoffundingmatch,howtocontrolfinancialrisks,capitaladequacyratioandriskcapitaladequacyratiothatmeetsinternationallyacceptedstandardsandsoon.
(C)strengthenthesupervisionofstafftraining,updatingregulatoryphilosophy,whichrendersmonitoringandservices,combinedwithguidance.InApril2003,theBankingSupervisionCommissionhasformallyestablishedandsetupaspecialregulatorysupervisionofpolicybanks.TheestablishmentoftheCBRC,inordertoimprovetheefficiencyoffinancialregulationandcontrol,strengtheningbanksupervisionprovidestheinstitutionalframework.Next,theneedtostrengthenthemonitoringofpersonneltraining,auditoftheauditingprofessioncanbetakentoaforeignbankregulatoryauthoritiestopursuefurtherstudiesorpolicy-orientedbanksattendantoperationsandotherformsoffinancialregulatorstoimprovetheknowledgeandpracticalabilitytoenableregulatorstounderstandbusiness-relatedandpolicy-orientedbanksmacroeconomicpolicies,industryknowledge,legal,andmachineandotherbasicknowledge.Isalsoavailablefromthevariouspolicy-orientedbanksarefamiliarwithselectingagroupofbusinessandauditexperiencewithhigh-qualitypersonneltoaugmentthemonitoringte
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