商业银行资本充足率管理办法（英文版）VIP专享VIP免费

商业银行资本充足率管理办法MeasuresfortheManagementofCapitalAdequacyRatiosofCommercialBanks（PromulgatedandimplementedbyOrderNo.2[2004]ofChinaBankingRegulatoryCommissionandamendedaccordingtotheDecisionofChinaBankingRegulatoryCommissiononRevisingtheMeasuresfortheManagementofCapitalAdequacyRatiosofCommercialBanksasadoptedatthe55thchairmen'smeetingofChinaBankingRegulatoryCommissiononDecember28,2006）ChapterIGeneralProvisionsArticle1Inordertostrengthenthesupervisionoverthecapitaladequacyratiosofcommercialbanks,promotethesafetyandstabilityofcommercialbanks,thepresentMeasuresareformulatedinaccordancewiththeBankingSupervisionLawofthePeople'sRepublicofChina,theLawofthePeople'sRepublicofChinaonCommercialBanks,theAdministrativeRegulationsofthePeople'sRepublicofChinaonForeign-fundedFinancialInstitutionsandotherrelevantlawsandregulations.Article2ThepresentMeasuresshallbeapplicabletothecommercialbanksestablishedwithintheterritoryofthePeople'sRepublicofChina,includingChinese-fundedbanks,whollyforeign-fundedbanksandSino-foreignequityjointbanks.Article3Theterm"capitaladequacyratio"asmentionedinthepresentMeasuresreferstotheratiobetweenthecapital,whichisheldbyacommercialbankandmeetstherequirementsofthePresentMeasures,andtherisk-weightedassetsofthecommercialbank.The"corecapitaladequacyratioofacommercialbank"referstotheratiobetweenthecorecapital,whichisheldbythecommercialbankandmeetstherequirementsofthepresentMeasures,andtherisk-weightedassetsofthecommercialbank.Article4Thecalculationofthecapitaladequacyratioofacommercialbankshallbebasedonprovisionforloanlossandotherlosses.Article5Thecapitalofacommercialbankshallpreventcreditriskandmarketrisk.Article6Acommercialbankshallsimultaneouslycalculatetheunconsolidatedcapitaladequacyratioandtheconsolidatedcapitaladequacyratio.Article7Thecapitaladequacyratioshallnotbelowerthan8%,thecorecapitaladequacyratioshallnotbelowerthan4%.Article8ChinaBankingRegulatoryCommission（hereinafterreferredtoastheCBRC）shallconductsupervisionandinspectionoverthecapitaladequacyratiosandthecapitalmanagementstatusofcommercialbanks.Article9ThecommercialbanksshalldisclosetheinformationrelatedtocapitaladequacyratiosinaccordancewiththepresentMeasures.ChapterIICalculationofCapitalAdequacyRatiosArticle10Whencalculatingtheconsolidatedcapitaladequacyratio,acommercialbankshalllistthefollowinginstitutionsintotheconsolidationscope:（1）Thefinancialinstitutionswithmorethanhalfoftheirequitycapitalownedbythecommercialbank,including:（a）Afinancialinstitutionwithmorethanhalfofitsequitycapitaldirectlyownedbythecommercialbank;（b）Afinancialinstitutionwithmorethanhalfofitsequitycapitalownedbyitswholly-fundedsubsidiary;（c）Afinancialinstitutionwithmorethanhalfofitsequitycapitalownedbythecommercialbankanditswholly-fundedsubsidiary.（2）Afinancialinstitutionwithatleasthalfofitsequitycapitalnotownedbythecommercialbankshallbelistedintotheconsolidationscopeifthecommercialbank:（a）holdsmorethanhalfofitsvotingrightsbyconcludingagreementswithotherinvestors;（b）hasthepowertocontrolthefinancialaffairsandoperatingpoliciesofthisinstitutionaccordingtothearticlesofassociationoragreement;（c）hasthepowertoappointordismissmostofthemembersintheboardofdirectorsorthesimilarpowerfulinstitutionofthisfinancialinstitution;or（d）holdsmorethanhalfofthevotingrightsintheboardofdirectorsorthesimilarpowerfulinstitu...