Latest Banking Business Inspection Guidelines

Author: Cai Esheng
Publisher:
Publish Date: 2004-05-01
Features: Currently, in the process of reforming and listing commercial banks in China, the urgent issue is how to reduce the ratio of non-performing assets and improve capital adequacy. When it comes to non-performing assets of banks, most people think of non-performing loans. In fact, non-performing loans are only a part of a bank's overall risk. In recent years, in the practice of supervising banks, we have noticed that factors affecting a bank's overall risk are multifaceted. When monitoring and assessing a bank's overall risk, in addition to focusing on the risks brought by traditional credit assets, the risks arising from non-credit assets, off-balance-sheet business, cross-business between banking and securities, cross-business between banking and insurance, financial derivatives business, and other areas should not be overlooked. As commercial banking business in China diversifies, the scope of bank risk is also constantly changing. Encouragingly, China's banking regulatory authorities have noticed this change and are taking effective measures to urge commercial banks to strengthen risk management in these areas. Based on these considerations, colleagues who have long been engaged in bank supervision have compiled this New Banking Business Inspection Guide for reference by industry professionals in the banking sector. This book focuses on the urgent issue of non-performing assets in modern commercial banks and provides a comprehensive discussion on inspections of real estate credit business, auto consumer loan business, and cross-business between banks and insurance, among others.