Liu: Ten measures to strengthen bank risk management and optimize credit structure

Speaking at the CBRC's third economic and financial briefing meeting, Mr Liu stressed that growth and risk-enhancing economic stability and relatively fast development July 17, the CBRC convened the third economic and financial situation briefing in 2009, the party secretary, Chairman Liu said to attend the meeting and address.　　Liu stressed that to continue to take the scientific development concept as the guide, and to fully implement the country's policy of "guaranteeing growth, expanding domestic demand and adjusting structure", to ensure the safe and stable operation of the banking industry and to promote steady and rapid economic development. Mr Liu comprehensively analyzed the macroeconomic and financial situation at home and abroad in the first half of 2009 years. He pointed out that this year, in the face of extremely severe and complex environment at home and abroad, the party Central Committee, the State Council to carry out the overall situation, adhere to the implementation of positive fiscal policy and moderately loose monetary policy, and constantly enrich and improve the response to the international financial crisis package, the effectiveness of various policy measures However, the foundation of sustained economic recovery is not stable, there are still many unstable, uncertain, unbalanced factors.　　The global economic and financial situation is still oscillating again and again, the road out of the crisis is heavy. Liu pointed out that China's banking industry in promoting economic stability, structural optimization has made a greater contribution.　　One is to promote regional coordination and "East and West co-ordination"; the second is to support the higher extroversion, the most serious impact of the financial crisis on the eastern coastal areas, the third is to protect the small and medium-sized enterprises and the "three rural" stable development; four, the growth of consumer credit has strongly supported the growth of domestic consumer demand; Liu stressed that the rapid expansion of China's banking lending in the first half of this year has played an important role in promoting economic stability, but the risk of the accumulation of high speed loans has also increased, and the tendency of imprudent lending and extensive in banking financial institutions has risen.　　At present, it is very urgent to guard against the new risks, such as the lack of real capital or insufficient risk, the risk of financing, the concentration of loan and the risk of real estate market. Liu asked that all banking financial institutions should strengthen risk management to further optimize the credit structure. First, we should observe the bottom line of capital adequacy ratio, maintain the stability of capital adequacy ratio at current level and ensure the quality of capital composition. The second is to strictly adhere to the bottom line of the provision of coverage, in the year must increase the allocation coverage to more than 150%. Third, we should further improve the risk management, strengthen the risk management to the banking business management constraints and guidance functions, and create a compliance credit culture. Four is to strengthen the internal and external audit oversight role, through internal and external audit to ensure the overall operation of the Bank's health compliance. Five is to strengthen the credit service customer management, strengthen customer access screening, credit early warning and credit combination analysis. Six is to insist on the principle of risk pricing, firmly establish the awareness of risk pricing, and constantly cultivate and improve the ability of risk pricing. Seven, we should adjust and perfect the incentive mechanism and guide the scientific Management behavior through the scientific incentive mechanism. Eight is to do a good job of liquidity management, and continuously improve the sensitivity of liquidity risk monitoring and the effectiveness of response measures。 Nine is to continue to adhere to the "differential treatment, there is pressure" to strengthen the state key projects, small and medium-sized enterprises, "Three rural", security housing, major scientific and technological special, energy-saving and emission reduction of credit support, strict control of the "two to one capital", overcapacity industry loans. For projects that do not conform to national industrial policy regulations, market access standards, and do not meet national EIA and emission requirements, strict restrictions on any form of additional credit will be imposed, actively promoting economic restructuring. Ten is to control the real estate loan risk, strict implementation of the "two Suites" standard, strictly according to the provisions of the implementation of housing mortgage loan first payment ratio and loan interest rate, to invest in housing to adhere to the first Kang Gaocheng number, the strict risk pricing and credit rating strictly the principle of strict implementation and the borrower 100% "interview" "Face Sign" system,　　Take effective measures to prevent "false mortgage", "false down payment" phenomenon. Shing, Deputy Secretary of the party committee of the CBRC, chaired the meeting, and Guoligen, Cai, Wang and Wang attended the committee members of the CBRC. The Chairman of the supervisory Board of the state-owned key banking institutions, the heads of various departments of the CBRC, and the heads of banking financial institutions attend the meeting at the main meeting of the CBRC. The CBRC and the head of the Banking Supervision Bureau attend the meeting in the Conference hall.