How to write the three arbitrage self-inspection report of the banking regulatory bureau? Below, I have compiled the three arbitrage self-inspection report of the banking regulatory bureau for everyone. Welcome to read the reference!
The China Banking Regulatory Commission pointed out that regulatory arbitrage is the arbitrage behavior of banking financial institutions to obtain income by violating regulatory system or regulatory requirements.
The inspection of regulatory arbitrage mainly includes: first, in order to avoid the arbitrage of regulatory indicators, we should check the indicators to avoid credit risk, capital adequacy ratio and liquidity risk; Second, in order to avoid arbitrage in violation of regulatory policies, we should investigate arbitrage in violation of macro-control policies, arbitrage in violation of risk management policies, arbitrage in unfair competition, and arbitrage that increases the financing cost of enterprises.
Specifically, the CBRC requires that in terms of credit risk indicators, it is necessary to check whether there are unclean or false statements that illegally transfer non-performing assets through various asset management plans, and artificially adjust the regulatory indicators; Whether it violates the regulatory provisions or accounting standards, and covers up non-performing loans by means of restructuring loans, false revitalization, bridge loan, loan collection, loan conversion, etc.
In terms of capital adequacy ratio indicators, it is important to check whether to provide credit enhancement for peers through violations, or to set up targeted asset management plans and limited partnership equity financing through channel parties; Whether to release the financial assets from the off-balance sheet in violation of regulations by selling and repurchasing or setting up a property right trust with repurchase agreement for the assets on the off-balance sheet; Whether there is a situation of buying and selling the same bill assets in different periods to reduce the occupation of risky assets; Whether there are situations such as depositing interbank funds with relatively high risk weight into the central bank at the end of the inspection period, immediately turning back at the end of the inspection period, artificially adjusting accounting statements and asset risk weight, etc.
In terms of avoiding liquidity risk indicators, it is necessary to check whether there is a loan scale that is inflated by ticket deposits; Whether there is a change from interbank deposits to general deposits; Whether there is illegal fund pool wealth management business, the maturity of wealth management products is seriously mismatched, and graded wealth management products are issued; Whether there is a transaction between wealth management products and consignment products, regulating liquidity and hiding liquidity risks.
In addition, the CBRC also requires inspection: whether to evade credit scale control through mutual transactions between wealth management business and self-operated business; Whether the off-balance sheet wealth management business is illegal, and the non-standardization is changed into standardization through artificial adjustment; Whether there are requirements to break through the concentration of group customers such as multi-head account opening, multi-head lending and multi-head mutual insurance; Whether there is any situation that the profit is adjusted through the reclassification of bond investment, and the bond investment is not accurately valued or insufficiently accrued.
In order to avoid arbitrage in violation of regulatory policies, the CBRC requires to check whether credit funds are invested in real estate through construction or other industries. Two heights and one left? Industry field; Whether through inter-bank business and wealth management business or split into small loans. , to real estate and? Two heights and one left? Providing financing in other industries; Is it necessary to artificially adjust the standard form of enterprises and complete loans for small and micro enterprises? Not less than three? Target; Whether to open a letter of credit in violation of regulations, sign a tripartite resale contract, etc.
It is worth noting that the CBRC also requires inspection? Clear stocks and real debts? That is, whether it violates the implementation of the new budget law and the relevant requirements of the State Council on local government debt management, and provides financing through industrial funds and entrusted loans to enlarge government debt, and invests in non-standard assets through industrial funds.
The 2065438+200765438+20071October 10 self-inspection report of the Banking Regulatory Bureau revealed at the 2065438+2007 National Banking Supervision and Management Work Conference held by the China Banking Regulatory Commission that regulatory arbitrage, idling arbitrage and related arbitrage will be carried out this year. Three arbitrage? Special governance, seriously investigate and deal with a number of violations of laws and regulations, so that investigation can truly become a regulatory sword.
The China Banking Regulatory Commission said that in 20 16, the establishment of private banks and consumer finance companies was normalized, the pilot project of investment and loan linkage was smoothly promoted, the market-oriented debt-to-equity swap was officially launched, the shareholding system reform of financial asset management companies was fully implemented, and the wealth management and trust registration systems were continuously improved. Credit risk management and control in key areas has been strengthened, keeping the bottom line of no systemic risk.
The data shows that by the end of 20 16 and 12, the balance of assets of banking financial institutions was 226.3 trillion yuan, a year-on-year increase of15.8%; The annual net profit was 2 trillion yuan, a year-on-year increase of 4%; At the end of February, the NPL ratio of commercial banks was 1.8 1%, the provision coverage ratio was 175.5%, the asset profit rate was 0.99%, the capital profit rate was 13.2%, and the capital adequacy ratio was 13.3%.
At the same time, the China Banking Regulatory Commission said that the risk of non-performing loans should be strictly controlled. Find out the risk base, refine the classification of credit assets, and increase the investigation of potential risks. ? Change where there are risks, where there are risks hidden, and where there are risks spread. .
On March 28th, the China Banking Regulatory Commission issued "About Banking Development? Illegal, illegal, illegal? Notice of special treatment of behavior (No.45 document), three violations? Fingers? Violation of financial laws, regulatory rules and internal regulations? In order to eliminate the blind spot of risk management and control, create a bank compliance culture and ensure? Do not cross the regulatory bottom line, do not step on the regulatory red line, and do not touch the illegal high-voltage line? .
On March 29th, China Banking Regulatory Commission issued "About Banking Development? Regulatory arbitrage, idling arbitrage and related arbitrage? Notice on Special Governance (No.46) mainly aims at the problems of high leverage, multiple nesting, long chain and multiple arbitrage in cross-market and cross-industry financial products such as interbank, investment and wealth management business.
It is understood that the CBRC requires that for cross-cutting wealth management products, the general principle is that whoever comes with funds will bear the management responsibility, and whoever is responsible for the risk will be investigated; The corresponding regulatory agencies should also bear the regulatory responsibility.
For the asset management plan with its own funds, the CBRC requires banking financial institutions to effectively assume the main responsibility of risk management and control, and cannot transfer their own risk management responsibilities such as project investigation, risk review and post-investment inspection to? Channel mechanism? .
? The banking industry should manage its own employees, its own business and its own funds. ? The CBRC stressed that it is especially necessary to establish a firewall between the banking system and the capital market, bond market, insurance market and foreign exchange market, and it is not allowed to provide guarantees for the issuance of various bonds or bills. It is forbidden to list non-licensed financial institutions as counterparties for inter-bank cooperation.
After comparison, the CBRC is in? Three violations and three arbitrage? Both parties demand to check whether loans are issued for false purposes for stock investment; What's the use? Sell+buy back+buy out at maturity? 、? Fake buyouts, fake selling? Adjust the credit index by trading methods such as additional repurchase commitments; Whether there are acts such as converting bill assets into asset management plans by third-party institutions, replacing discount with investment, adjusting accounting statements at will, and reducing capital withdrawal. It can be seen that loan misappropriation and bill puffiness have become the most common illegal operations in the banking industry.