The State Administration of Financial Supervision and Administration recently released the "Capital Management Measures for Commercial Banks" (hereinafter referred to as the "Capital Measures"). The relevant person in charge of the State Administration of Financial Supervision and Administration stated that in order to comprehensively strengthen financial supervision, the State Administration of Financial Supervision and Administration has revised the "Capital Management Measures for Commercial Banks (Trial)" (hereinafter referred to as the "Capital Measures"), further improving the capital supervision rules for commercial banks, promoting banks to strengthen risk management levels, and improving the quality and efficiency of serving the real economy, forming the "Capital Measures", It will be officially implemented from January 1, 2024. The relevant person in charge of the State Administration of Financial Supervision and Administration of China stated that over the past decade since the implementation of the original Capital Measures, the capital supervision system has strengthened the capital constraint mechanism of banks, enhanced the stability of bank operations and the ability to serve the real economy, and also created favorable conditions for China's financial industry to expand its opening up to the outside world. In recent years, with the development and changes of China's economic and financial situation and the risk characteristics of commercial banks, capital regulation has faced some new problems, and it is necessary to adjust according to the new situation. At the same time, there have been significant changes in international regulatory rules. At the end of 2017, the Basel Committee released the "Basel III Reform Final Plan" as the minimum standard for global banking capital regulation. As a member of the Basel Committee, China needs to implement relevant regulatory standards as required and undergo an international assessment of regulatory consistency. Based on the actual situation of China's banking industry and the latest achievements of international regulatory reform, the State Administration of Financial Supervision and Administration of China has revised the original Capital Measures, which is conducive to promoting banks to continuously improve their risk management level and guiding them to better serve the real economy. The above-mentioned person in charge said that the Capital Measures comprehensively improve the capital regulatory system, consisting of the main text and 25 annexes, totaling about 350000 words. The main focus of the text is to highlight the overall, principled, and institutional requirements. The attachment details various requirements in the main text, clarifying specific measurement rules, technical standards, regulatory measures, information disclosure content, etc. From the specific content of building a differentiated capital supervision system, the Capital Measures propose requirements from five aspects: building a differentiated capital supervision system, comprehensively revising risk weighted asset measurement rules, ensuring the applicability and prudence of risk weights, strengthening supervision and inspection, and improving information disclosure standards. Among them, the construction of a differentiated capital regulatory system has received widespread attention from the market. According to the Capital Measures, commercial banks are divided into three levels based on their size and complexity of business, matching different capital supervision plans. Among them, banks with larger scale or more cross-border business are classified as the first tier, and are subject to international capital regulation rules; Banks with smaller scale and less cross-border business are included in the second tier, and relatively simplified regulatory rules are implemented; The third tier is mainly for smaller and non cross-border banks, further simplifying capital measurement requirements and guiding them to focus on county-level and small and micro financial services. The relevant person in charge of the State Administration of Financial Supervision and Administration stated that differentiated capital regulation does not lower capital requirements, while maintaining the overall stability of the banking industry, stimulating the financial vitality of small and medium-sized banks and reducing bank compliance costs. Risk weighting is the cornerstone of maintaining capital regulatory prudence. above-mentioned
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：people.cn
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