The CBRC does not directly intervene in the disputes between banks and customers, but supervises the bank's business, such as the compliance of deposits and loans, business access, risk assessment and tips. The CBRC has the right to punish commercial banks according to relevant laws and regulations, which is different from self-regulatory organizations such as banking associations.
Question 2: What kind of institution does the CBRC belong to? China Banking Regulatory Commission (CBRC) is a national institution responsible for supervising banks. At present, it belongs to the nature of public institutions. However, after the financial work conference was held at the end of last year, it was decided to include it in the sequence of civil servants. However, since its birth in 2003, it has been a * * * institution.
China Banking Regulatory Commission (CBRC) is separated from China People's Bank (PBOC), which is sometimes confusing. But you can understand that PBOC is responsible for the stability of the whole financial system, including banks, and CBRC is responsible for the micro-aspects of banking supervision, including banking business and the appointment of senior executives. You can only go to their website to see the specific division of functions.
Question 3: What does CBRC mean? China Banking Regulatory Commission (hereinafter referred to as: China Banking Regulatory Commission or CBRC; English: China Banking Regulatory Commission was established on April 25th, 2003, and it is a ministerial organization directly under the State Council.
According to the authorization of the State Council, we shall uniformly supervise and manage banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions, and safeguard the lawful and steady operation of the banking industry. [ 1]
Question 4: What does the CBRC do? The full name of CBRC is China Banking Regulatory Commission (CBRC).
The purpose of the CBRC's supervision work:
Protect the interests of depositors and consumers through prudent and effective supervision; Enhance market confidence through prudent and effective supervision; Enhance the public's understanding of modern finance through publicity and education work and relevant information disclosure; Strive to reduce financial crimes.
The main responsibilities of the CBRC:
To formulate and promulgate rules and regulations for the supervision and management of banking financial institutions and their business activities in accordance with laws and administrative regulations;
To examine and approve the establishment, alteration, termination and business scope of banking financial institutions in accordance with the conditions and procedures prescribed by laws and administrative regulations;
Qualifications of directors and senior managers of banking financial institutions;
Formulating prudent operating rules of banking financial institutions in accordance with laws and administrative regulations;
To supervise the business activities and risk status of banking financial institutions off-site, establish the supervision and management information system of banking financial institutions, and analyze and evaluate the risk status of banking financial institutions;
Conduct on-site inspections on the business activities and risk status of banking financial institutions, formulate on-site inspection procedures, and standardize on-site inspection behaviors;
Implement consolidated supervision of banking financial institutions;
Establish a banking emergency handling system in conjunction with relevant departments, formulate a banking emergency handling plan, clarify the handling institutions and personnel and their responsibilities, handling measures and handling procedures, and timely and effectively handle banking emergencies;
Responsible for compiling statistical data and statements of banking financial institutions nationwide in a unified way, and publishing them in accordance with relevant state regulations; Guide and supervise the activities of banking self-regulatory organizations;
Carry out international exchanges and cooperation activities related to banking supervision and management;
Take over or promote the reorganization of banking financial institutions that have or may have a credit crisis that seriously affects the legitimate rights and interests of depositors and other customers;
Revocation of banking financial institutions that operate illegally and are poorly managed;
Inquire about the accounts of banking financial institutions, their staff and related actors suspected of financial violations; An application for freezing a judicial organ suspected of transferring or concealing illegal funds;
Prohibit the unauthorized establishment of banking financial institutions or illegal business activities of banking financial institutions;
Responsible for the daily management of the board of supervisors of state-owned key banking financial institutions;
To undertake other tasks assigned by the State Council.
The main work experience followed by the CBRC's supervision work
We must adhere to the supervision of legal persons and attach importance to grasping, preventing and resolving the overall risks of financial institutions;
We must adhere to the content of risk-oriented supervision, strive to improve the level of financial supervision and improve the methods and means of supervision;
We must attach importance to promoting the formation of risk internal control mechanism of financial institutions and the continuous improvement of internal control effect;
We must gradually improve the transparency of supervision in accordance with international standards and requirements.
Question 5: What do the central bank and the CBRC do? The central bank formulates national economic and financial policies, and the CBRC supervises the credit behavior of banks and approves the establishment of banks. At the macro level of the central bank, the China Banking Regulatory Commission (CBRC) is on the lookout, one is the decision maker, and the other is the implementation and concrete defender of the decision. ...
Question 6: What unit is the Banking Regulatory Bureau? The banking regulatory bureau refers to the branch established by the China Banking Regulatory Commission to supervise the banking industry.
Question 7: How many offices does the Banking Regulatory Bureau have? What are they? Banking regulatory bureaus
Office (Party Committee Office)
Organize and coordinate the daily work of the Bureau; Responsible for official document review, drafting relevant comprehensive documents and materials, and organizing important meetings; Responsible for confidential, secretarial, documents, * *, confidentiality, foreign affairs, information integration, news propaganda and other work.
Policy and regulation department
According to the authorization of China Banking Regulatory Commission, formulate detailed rules for the implementation of relevant laws and regulations on the supervision of banking financial institutions; Review normative documents, standardize regulatory behavior, and implement administrative punishment; Disclosure of violations of banking financial institutions and the results of administrative punishment; To undertake administrative reconsideration and administrative litigation within its jurisdiction; Undertake the research work of policies and regulations; Responsible for disposing of banking financial institutions and illegal business activities of banking financial institutions established without authorization within the jurisdiction; Cooperate with relevant departments to deal with illegal fund-raising activities.
State-owned bank supervision office 1
Responsible for the supervision of the branches of China Bank and China Construction Bank within its jurisdiction.
State-owned Bank Supervision Division II
Responsible for the supervision of branches of Industrial and Commercial Bank, Agricultural Bank and Bank of Communications within its jurisdiction.
Joint-stock bank supervision office
Responsible for the supervision of the branches of joint-stock banks within their jurisdiction.
City commercial bank supervision Chu
Responsible for the supervision of commercial banks in corporate cities and commercial banks in unincorporated cities within their jurisdiction.
Office of supervision of foreign-funded financial institutions and non-bank financial institutions
Responsible for the supervision of foreign-funded banks and non-bank financial institutions (except securities, futures and insurance) within the jurisdiction.
Policy-oriented financial institution supervision office
Responsible for the supervision of branches of China Development Bank, Agricultural Development Bank and asset management companies within their jurisdiction.
Postal savings bank supervision office
Rural small and medium-sized financial institutions supervision yichu
Responsible for the supervision of rural credit cooperatives and rural commercial banks within their respective jurisdictions.
Rural small and medium-sized financial institutions supervise Chu Er.
Responsible for the supervision of new rural financial institutions such as village banks within their jurisdiction.
Information technology supervision office
Responsible for information technology risk supervision of banking financial institutions within its jurisdiction, and provide daily equipment maintenance and network operation management for all kinds of supervision information systems and our system.
Statistical information office
Responsible for collecting and summarizing economic and financial information within its jurisdiction, using statistical data for research and analysis, and submitting relevant statistical information to the CBRC in a timely manner; To provide information consulting services to local * * * and banking financial institutions within its jurisdiction; Disclosing statistical information of the banking industry within its jurisdiction according to authorization; Undertake overall supervision.
Financial accounting office
To be responsible for the management of the financial accounting work of the bureau system and the preparation of the annual budget and final accounts of the bureau system; Responsible for the basic construction of the bureau system and the management of fixed assets; To undertake the management of bank accounting rules and regulations and the coordination of accounting affairs; Responsible for the financial and accounting work of the bureau; Responsible for the financial audit of the banking supervision sub-bureau within its jurisdiction.
Personnel Department (Party Committee Organization Department)
Responsible for cadre management, labor wages, organization establishment, staff training, party organization construction and education management in party member.
Supervision Office (Discipline Inspection Commission Office)
Responsible for the discipline inspection and administrative supervision of the party in this Council; Investigate and deal with violations of state laws and regulations and party discipline by party organizations and party member cadres according to law and discipline; Accepting the reports, complaints and appeals of the monitored objects; To undertake the systematic project of building a clean and honest government; Responsible for the economic responsibility audit of the main leading cadres of the internal departments of the bureau and the banking supervision branch within its jurisdiction.
Party Committee supervision office
As the daily office of the party Committee's inspection work, it is responsible for the inspection of branches in the system by the bureau party Committee.
Organ Party Committee (Propaganda Department of Party Committee)
Responsible for the party, league and trade union work of the bureau and the system; Responsible for the party's ideological construction and propaganda work in this bureau; Responsible for the systematic ideological and political work and spiritual civilization construction of this Council.
Logistics service center
Responsible for administrative services, logistics support, property management, office supplies procurement, security, fire protection and other work; Responsible for the management of vehicles and drivers of the bureau; Responsible for the reception work of the bureau.
Question 8: There are several departments of China Banking Regulatory Commission, namely General Office (Party Committee Office), Policy and Regulation Department (Research Bureau), Banking Supervision Department (responsible for supervising state-owned commercial banks), Banking Supervision Department (responsible for supervising joint-stock commercial banks, city commercial banks and urban cooperative credit cooperatives), Banking Supervision Department (responsible for supervising foreign banks) and Banking Supervision Department (responsible for supervising asset management companies). Policy banks and Postal Savings Bank) Supervision Department of non-bank financial institutions (responsible for the supervision of trust and investment companies, finance companies, financial leasing companies and other non-bank financial institutions) Cooperation Financial Supervision Department (responsible for the supervision of rural credit cooperatives and rural commercial banks) Business Innovation Supervision Cooperation Department Banking Case Inspection Bureau (Bank Secrecy Bureau) Statistics Department Financial Accounting Department International Department (Hong Kong, Macao and Taiwan Affairs Office) Supervision Bureau (Discipline Inspection Commission) Personnel Department (Party Committee Organization Department) Propaganda Department (.
Question 9: Are the People's Bank of China and the Banking Regulatory Bureau a unit? What are their functions? What is the nature of CBRC? It is a temporary institution directly under the Library Bureau and set up by a few functional departments of the central bank. How to supervise the central valve? The central bank is mainly responsible for macro supervision and management, including the annual credit amount of financial institutions (banks, securities companies, etc.). ), deposit and loan interest rates, and formulate relevant financial policies. The CBRC mainly visits banks to conduct on-site inspections, which is a micro-level supervision and management.
Question 10: which institutions are the CSRC, CBRC and CIRC in charge of respectively? They are all directly affiliated institutions of the State Council, and they are all ministerial-level institutions.
The composition of the State Council is ancient and complicated. You can go to Xinhuanet to find out.