银监会主席刘明康日前表示,今年银监会将重新评估银行执照的发放,并对银行设立分行的申请进行严格审批,同时,银监会还将对过去几年的银行贷款进行全面检查。刘明康表示,今年的执照发放会非常严格,对中小银行的执照也将进行重新评估。抗通胀、保持物价稳定已成为监管当局的首要监管任务,包括此次年内第四次调高存款准备金率等政策出台,都显示了监管层收缩流动性的决心。而这些政策的出台或多或少会银监会主席刘明康日前表示,今年银监会将重新评估银行执照的发放,并对银行设立分行的申请进行严格审批,同时,银监会还将对过去几年的银行贷款进行全面检查。刘明康表示,今年的执照发放会非常严格,对中小银行的执照也将进行重新评估。抗通胀、保持物价稳定已成为监管当局的首要监管任务,包括此次年内第四次调高存款准备金率等政策出台,都显示了监管层收缩流动性的决心。而这些政策的出台或多或少会给银行板块及市场资金面带来一定压力。年初,银监会下发《商业银行杠杆率监管指引(征求意见稿)》,建议杠杆率要求为不得低于4%。该征求意见稿同时要求各商业银行从2012年1月1日开始实施,系统重要性银行在2013年底前达标,非系统重要性银行在2016年底前达标。这表明,中国的银行业监管机构将正式引入杠杆率监管机制,未来将根据经济形势和银行风险状况的变化对杠杆率监管要求进行调整。英大证券分析师李海燕表示,杠杆率的计算方法为核心资本净额除以调整后的表内外资产余额。4%的规定一方面能为商业银行的发展预留空间,另一方面又能给部分没有达到要求的股份制银行一定的压力,促其降低杠杆化程度,实现稳健经营。 China Banking Regulatory Commission Chairman Liu Mingkang recently said that this year the CBRC will reevaluate the issuance of bank licenses and strictly approve the bank’s application for establishing branches. At the same time, the CBRC will conduct a comprehensive inspection of bank loans in the past few years. Liu Mingkang said that this year’s licensing will be very strict, small and medium-sized banks will also be re-assessed the license. Fighting inflation and maintaining price stability have become the primary regulatory tasks for supervisors. Including the fourth such policy of raising the deposit reserve ratio during the year has shown the determination of regulators to tighten their liquidity. And these policies more or less promulgated the China Banking Regulatory Commission Chairman Liu Mingkang recently said that this year the CBRC will re-evaluate the issuance of bank licenses and banks to set up branches to strictly examine and approve the application, at the same time, the CBRC will also bank loans over the past few years Conduct a comprehensive inspection. Liu Mingkang said that this year’s licensing will be very strict, small and medium-sized banks will also be re-assessed the license. Fighting inflation and maintaining price stability have become the primary regulatory tasks for supervisors. Including the fourth such policy of raising the deposit reserve ratio during the year has shown the determination of regulators to tighten their liquidity. The introduction of these policies more or less will bring some pressure on the banking sector and market funds. At the beginning of the year, the CBRC issued the Guidance on Regulation of Leverage Ratio of Commercial Banks (Draft for Comment), recommending that the leverage requirement be not less than 4%. The draft of the draft also requires all commercial banks to be implemented from January 1, 2012, while systemically important banks will reach the standards before the end of 2013 and non-systemically important banks will reach the standards before the end of 2016. This shows that China’s banking regulator will formally introduce the leverage ratio supervision mechanism and will adjust the regulatory requirements for leverage ratio in the future based on changes in the economic situation and the bank’s risk profile. Li Haiyan, a securities analyst at Yingda Securities, said the leverage ratio is calculated as the net amount of core capital divided by the adjusted balance sheet both inside and outside the balance. On the one hand, the 4% stipulation can reserve space for the development of commercial banks and on the other hand, it can also exert some pressure on joint-stock banks that have not met the requirements to urge them to reduce leverage and achieve steady operation.