问题银行的识别及处理

Guidelines for Identifying and Dealing with Weak Banks

问题银行是一个全球现象,监管部门需要做好准备及时对其进行处理。在总结各国实践经验的基础上,巴塞尔委员会于2002年发布了《应对问题银行的监管指引》。2007年至2009年的金融危机后,全球金融市场和监管格局发生了重大变化,巴塞尔委员会于2013年成立工作组对该指引进行修订。2015年7月,巴塞尔委员会发布《问题银行的识别及处理指引》,新的指引包括问题识别、纠正措施、处置技术、退出策略等内容,为监管部门识别及处理问题银行提供了一套较为完整的工具。

Weak banks are a worldwide phenomenon. Supervisors should be ready to deal with them in a timely manner. In 2002, the Basel Committee released Supervisory Guidance on Dealing with Weak Banks, based on the experiences and circumstances of various countries. Global financial markets and the global regulatory landscape are now significantly different than they were in 2002 as a consequence of, and in response to, the 2007- 2009 financial crises. The Basel Committee therefore set up a Task Force in July 2013 to update the 2002 guidance and published the final Guidelines for ldentifying andDealing with WeakBanks in July 2015. This report provides a toolkit offering practical guidelines in the areas of problem identification, corrective action, resolution techniques and exit strategies for identifying and dealing with weak banks.