中国银行业监督管理委员会2013年报 英文版

Part One Economic ＆ Banking Developments 1

Macroeconomic and financial environment 2

Latest development of China's banking sector 6

Part Two Banking Reform and Development 11

Reform and transformation of the banking sector 12

Latest developments in the opening-up of the banking sector 21

Financial innovation 24

Part Three Supporting Economic Restructuring,Transformation and Upgrading 31

Tapping the idle capital while making good use of incremental capital 32

Supporting key areas and industries 35

Promoting green credit and addressing overcapacity 37

Financial services for Micro and Small Enterprises(MSEs) 40

Financial services in rural areas 42

Thematic Column 1:CBRC continued to expand the"Three Major Projects" to support agro-related services 43

The development of consumer finance 45

China(Shanghai)Pilot Free Trade Zone and development of the banking sector 48

Supporting enterprises to"go global" 51

Balanced regional development 52

Part Four Prudential Supervision 57

Macro-prudential supervision 58

Corporate governance and internal controls 61

Capital regulation 62

Thematic Column 2:Chinese-version Basel Ill passed international assessment 64

Credit risk supervision 64

Liquidity risk supervision 71

Operational risk supervision 74

IT risk supervision 76

Market risk supervision 77

Country risk supervision 77

Reputational risk supervision 78

Part Five Banking Consumer Protection and Education 81

Development of the banking consumer protection regulatory framework 82

Efforts made by banking institutions to fulfill their responsibilities 83

Financial knowledge publicity 85

Strengthening public education 87

Strengthening research on banking consumer protection 89

Part Six Improvement of Regulatory Framework and Supervisory Capability 91

Supervisory thinking 92

Improving legal framework 95

Supervisory approaches 96

Supervisory cooperation and coordination 103

Organizational development 105

Part Seven Strengthening Transparency and Market Discipline 115

Enhancing information disclosure 116

Improving transparency of the banking sector 117

Strengthening market discipline 117

Part Eight Social Responsibility 121

Promoting institutional development and supervisory guidance 122

Securing quality financial services during public holidays 122

Supporting disaster relief and post-disaster reconstruction 123

Supporting charity and poverty-stricken areas 124

Enhancing labor development and caring for employees'growth 124

Part Nine Outlook 127

Economic and financial outlook 128

Supervisory focuses in 2014 128

Mid-to long-term plan and outlook of banking supervision 133

Part Ten Appendixes 137

Appendix 1:Responsibility description of the CBRC departments and local offices 138

Appendix 2:Financial management activities of the CBRC 144

Appendix 3:Rules and regulatory documents issued in 2013 145

Appendix 4:MOUs and EOLs with overseas regulators 147

Appendix 5:Significant regulatory and supervisory events in 2013 150

Appendix 6:Terminology 159

Part Eleven Statistics 163

Appendix 1:Total assets of banking institutions(2003—2013) 164

Appendix 2:Total liabilities of banking institutions(2003—2013) 165

Appendix 3:Total owner's equity of banking institutions(2003—2013) 166

Appendix 4:Total deposits and loans of banking institutions(2003—2013) 167

Appendix 5:Profit after tax of banking institutions(2007—2013) 167

Appendix 6:Returns of banking institutions(2007—2013) 168

Appendix 7:NPLs of banking institutions(2010—2013) 168

Appendix 8:Liquidity ratio of banking institutions(2007—2013) 168

Appendix 9:NPLs,asset impairment provisions and provisioning coverage ratio of commercial banks(2007—2013) 169

Appendix 10:NPLs of commercial banks(2013) 169

Appendix 11:Distribution of NPLs of commercial banks by industry(2013) 170

Appendix 12:Distribution of NPLs of commercial banks by region(2013) 171

Appendix 13:CAR of commercial banks(2010—2013) 172

Appendix 14:CBRC on-site examinations(2003—2013) 172

Appendix 15:Number of legal entities and staff of banking institutions(As of end-2013) 173