CBRC issued new rules to deal with loan irregularities and interbank liquidity risk

BCC Beijing November 2 News According to the Chinese voice of the "Yang News" 9:36 report, the CBRC's latest statistics show that by the end of September, China's commercial banks non-performing loan balance and non-performing loan rate continue to maintain a "double drop". But the risks of rapid credit growth are also piling up. The CBRC recently issued "Guidelines on liquidity risk management of commercial banks" and "interim measures for the administration of personal loans", to deal with individual loan violation risks and interbank liquidity risk.　　Related situation connect CCTV reporter Sun Ying.　　Moderator: On the one hand, the rapid growth of credit, on the other hand, market people have been thinking that new loans have not fully entered the real economy, how the regulator to correct the flow of loans Journalist: In fact, some of the new loans illegally entered the stock market, without the fear of entering the real economy is not without basis, the CBRC inspection found that many banks have personal loan funds into the securities trading account and other trading accounts phenomenon, the problem of serious areas of the number of illegal loans and the amount of the proportion of 10%. Therefore, the CBRC "interim measures for the management of personal loans," the draft made clear that the individual loans must be clearly used for loans, and banks should adhere to the interview, face sign system, to prevent "fake mortgage", counterfeit other people's nominal loans and other illegal operations.　　At the same time, personal loan funds should be taken by the lender "entrusted to pay" in principle, that is, direct funds to the transaction object account to ensure the quality of loans. Moderator: What is the performance of liquidity risk accumulation in commercial banks at present?　　How will the CBRC respond? Reporter: The CBRC data show that at the end of September, the proportion of liquidity below the stipulated red Line 25% of the number of institutions rose to 363, including urban commercial banks, financial companies, rural cooperative financial institutions, and so on, compared to the beginning of the year 197, the average liquidity ratio of substandard institutions is only 16.3%. The CBRC issued the "Commercial Bank Liquidity risk Management Guidelines" to guide commercial banks to fully pay attention to and strive to maintain liquidity adequacy, from November 1, 2009 onwards, the banking sector should be at least quarterly regular stress tests. Banks are required to establish and improve the liquidity risk management system, contingency plans and prudent issuance of medium and long-term loans. At present, commercial banks set aside coverage of 144.1%, up 27.7% from the beginning of the year, the CBRC requested to reach 150% at the end of the year.