宏观审慎评估及监管评级对完善存款保险风险评级的启示

Improving the Deposit Insurance Risk Rating by Macro-prudential Assessment and Supervision Rating

随着《存款保险条例》的出台,存款保险保费差别费率也必将推出,如何确定不同投保机构费率,顺利实施差别费率制度,必将依托对投保机构的风险评级。银监会对银行业机构监管评级已实施多年,2014年通过完善相关指标体系,最终形成《商业银行监管评级内部指引》。近期,人民银行为进一步完善宏观审慎政策框架,发挥逆周期调节作用,适应资产多元化的趋势,对银行业金融机构引入"宏观审慎评估体系"(简称MPA)。通过对二者比较分析,将对完善存款保险风险评级具有重要启示意义。

With the creation of the Deposit Insurance Regulations,the deposit insurance risk differential rate will launch,how to determine the different insurance agency rate,smooth implementation system of differential cost rate,will be relying on the risk rating of insured institutions.At present,the banking institutions regulatory rating by Chinas banking supervision committee has been implemented for many years.The Commercial Bank Supervision Rating Internal Guidelines was eventually form by perfecting the relevant index system in 2014.At the same time in the near future,the Peoples Bank of China in order to further improve macro- prudential policy framework,play a role of reverse cycle adjustment,to adapt to the trend of diversification,the banking financial institutions into Macro- Prudential Assessment System(MPA).Based on the comparative analysis,to improve the deposit insurance risk rating has important significance.