系统重要性银行监管改革进展及对我国的启示

The Progress of Regulatory Reform on Systemically Important Bank and Implications to China

近年来,随着我国银行市场的逐步开放,大型商业银行持续开展综合经营业务,银行在金融体系中的系统重要性不断增强。银行集团的快速发展推动了银行机构与其他类型金融机构、金融市场间的组织融合和业务交叉,同时也对集团风险管理和银行监管制度带来较大冲击。金融稳定理事会、巴塞尔银行监管委员会提出的系统重要性银行评估方法和额外资本要求,以及美国、英国、欧盟对系统重要性银行的监管改革经验做法,对完善我国银行监管制度具有重要的启示意义。

In recent years, along with banking market opening gradually in China, big commercial banks contin- ued to carry out comprehensive business, and the systemically importance of banks in financial system increased con- stantly. The rapid development of banking group, gave impetus to organization mixture and business intersection be- tween banks and other financial institutions or financial markets. In this context, risk management in banking group and banking regulation faced large challenges. The assessment methodology and the additional loss absorbency require- ment for Systemically Important Banks that FSB and BCBS proposed, and the regulatory reform experience in Systemi- cally Important Banks of US,UK and EU have important implications for improving banking regulation of China.