China Banking Regulatory Commission to promote change: City firms decentralized regulatory system to accelerate the construction of trust | CBRC | Trust Regulations
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Following the 2014 Commission institutional reform, recently, line 3 will be the China Banking Regulatory Commission also launched an unprecedented reform, this is the first large-scale CBRC regulatory structure adjustment and transformation since its inception in 2003.
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The reform, the CBRC will adjust the original 27 departments to 22 departments,oakley occhiali da vista, the regulators from the 11 to 17., and strengthen supervision and functional supervision Opus Dei, which established the first city commercial bank supervision department, supervision and management of trust Ministry of inclusive finance banking work unit.
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Prior to this,nike air jordan homme, the industry has long appealed to the City firm, the trust industry's professional supervision.
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According to publicly available data, as of the end of 2014, total assets of banking institutions reached 168.16 trillion yuan, equivalent to six times the end of 2003. Among them, the total assets of city commercial banks reached 18.08 trillion yuan, accounting for banking institutions ratio rose to 10.8%.
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Non-bank institutions, at the end of 2014,woolrich outlet, the trust assets under management of 68 trust companies reached 13.98 trillion yuan.
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In the industry view, only the newly established several specialized regulatory point of view, the CBRC original ecological regulatory and supervisory model is undergoing significant changes.
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It is understood that the CBRC structural reforms, with a one-month transition period to the orderly schema changes. During the transitional period, in accordance with the existing division of labor departments,?ugg bottes femmes, continue to fulfill the communication and contact the relevant ministries, the admissibility of market access issues and other duties. CBRC side said.
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City firm specializing in regulatory
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According to the CBRC side he said that the focus of the reform of the regulatory framework is clear cut decentralization of administrative authority, a clear risk of regulatory body functions, and strengthen the things ex post regulation.
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It is understood that after the reform is completed,adidas gazelle femme, the CBRC bear only policy banks, five lines, joint-stock banks and other national institutions the main responsibility for risk monitoring, and for the city firm and other local agencies, the CBRC retaining only the new construction, market exit, reorganization and restructuring and batch adjudication of bankruptcy reorganization, the remaining market access and regulatory body delegated responsibility for all parts of the banking regulatory bureau.
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Related documents are gradually implement the reform down the local bureau may not be in so much adjustment, but still need to sort out some of the declaration, inspection and other matters of process will take some time to adapt. However,christian louboutin paris, at present, the relevant declaration or approved work items are normal. A source close to the local banking regulatory bureau, said he said.
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CBRC original regulatory framework, regulatory and city commercial joint-stock banks belonging to banking supervision together two. The structural reforms, the city is separated from the two firms out of banking supervision, set up a separate city commercial bank supervision department, solely for city commercial banks, urban credit cooperatives and private bank supervisory duties.
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According to the CBRC aspects of the data show that as of the end of December 2014, total assets of city commercial banks reached 18.08 trillion yuan, an increase of 19.1%, far exceeding the 7.4% for large banks, 16.3% joint-stock banks, assets accounting the proportion of nationwide banking financial institutions rose to 10.8%.
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The third quarter of 2014, the China Banking Regulatory Commission has approved the five pilot private banks, namely Tianjin Jincheng Bank, Public Bank micro Qianhai, Civil and Commercial Bank of Wenzhou, Zhejiang Commercial Bank network, Shanghai Huarui banks.
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After January 27,emilio pucci occhiali da sole, 2015, by the JuneYao and Metersbonwe launched Huarui main banks to obtain approval of the opening of the Shanghai Banking Regulatory Bureau, became the micro congregation's Bank of China approved the first batch of the second opening of the private banks .
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It is noteworthy that, banks and micro Huarui Public Bank are approved by the local banking regulatory bureau opened, the CBRC made only after approval is granted, the pilot ideas supervision of private banks focus on structural reforms and the decentralization of administrative power match.
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This reform, opening approval, the regulatory body concerning the private bank will be further clear commitment by the local banking regulatory bureau, preparation and approval by the CBRC to exit reorganization. The sources said.
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According to the reporter, before, such as Tianjin Jincheng Bank butt local banking regulatory bureau regulators are corporate banking supervision department, the only one within their jurisdiction Bohai Bank joint-stock banks and city commercial banks only one Bank of Tianjin is also attributable to the premises supervision.
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But for most of the local banking regulatory bureau, the basic are also dedicated one, that city commercial banks to carry out supervision of the Management Services City firm, urban credit cooperatives within their jurisdiction.
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There is no clear change in feel, there before the City firm of Management Services. However, this change in the regulatory framework conducive to further clarify the issue where different regulatory powers vested in the bank, increasing the regulatory powers of the local banking regulatory bureau, improve regulatory efficiency. A city in North China, said the firm's executives said.
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In the opinion of the executive, cross-city commercial operation is still no sign of relaxation, the City firm's future direction or sink more regional financial services and deepen.
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Li Fuan, director of the Trust or any
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The CBRC architecture reform, the Bank is also an important part of the unit. After the reform, the original non-silver portion of the trust from the Supervision Department, solely on the trust industry, financial institutions regulatory responsibilities. CBRC will trust again after nearly 12 years into the regulatory system, the first independent supervision.
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A source close to the CBRC to the financial weekly, told reporters after the director of the Trust may by now AfDB as Li Fuan, director, meanwhile, is now deputy director of the non-silver Hsu Wen will also be transferred to the trust unit. Hsu Li Fuan and were transferred last year to the Department of the CBRC AfDB, Hsu trust in the non-silver portion of the tube to work.
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In recent years the trust have been expanding, but the support given regulatory level is not much, and trust laws and regulations lag, become obstacles to the industry forward. After the CBRC set single unit trust, establish the system would be more effective to promote, and will further strengthen and consolidate the functions of the trust property. A southern Trust executives said the financial weekly reporters.
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Previously, non-silver portion while six regulatory agencies, including trust companies, financial leasing companies, auto finance companies, money brokers, consumer finance companies, finance companies and the like. Initial management of assets of various types of institutions are not large,occhiali da sole police, but in recent years of development, the trust assets soared, the scale has been second only to the bank, ranked second.
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Statistics, as of the end of the third quarter of 2014, non-silver portion totaling 19.77 trillion in assets under management, including trust assets (including its own assets and trust assets) amounted to 13.27 trillion, accounting for about 67%.
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Trust is not only the industry has matured, has continued to expand its size to form a great social influence,parajumpers harraseeket jacka, though not entirely par with the bank, but its role has not be ignored.
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Trust transition into the critical period, according to the annual meeting to convey trust industry this year, the institution-building trust regulators will be the main event. Trust independent supervision system construction will be more effectively promoted. The senior said.
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CBRC Chairman Yang Assistant to mention a series of regulations to be built trust in the trust industry, the annual speech last year, including in advancing the trust rating of new regulations, safeguard trust fund rules, the trust property hierarchy, as well as due diligence guidelines trust, trust Brokers responsibility guidelines, the establishment of subsidiaries and other management practices.
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In addition, the CBRC structural reform with a one-month transition period, the current specific regulatory elements in the trust department is still under discussion. One possible change is that the original CBRC straight or trust company will be decentralized local administration bureau. The source said.
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CBRC also said the reform program, a focus of the reform that is to build the new decentralization will always be only legal entity, market exit, reorganization and restructuring and bankruptcy reorganization approval, other market access to the local banking regulatory authority delegated Board by the registered seat of the agency assume the main responsibility for risk supervision.
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Currently,basket louboutin, the trust company that is under the direct supervision of the CBRC are: CITIC Trust, Credit Trust, the Trust trade, COFCO Trust, Great Britain Trust, Huaxin Xin care, child care and other Jingu Xin, were registered in Beijing, if the above changes, that the regulatory body change for the Beijing Banking Regulatory Bureau.
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According to the latest data Trust Industry Association data show that as of the end of 2014, the scale of trust assets to the trust management industry 13.98 trillion yuan, compared with 10.91 trillion yuan at the end of 2013 an increase of 28.14%.
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In 2014, 68 trust companies achieved a total operating income of 95.495 billion yuan, 83.26 billion yuan compared with the end of 2013 an increase of 14.69%, total profit of 64.23 billion yuan over the end of 2013 an increase of 56.861 billion yuan 12.96%. However, compared to 30.42 percent and 28.82 percent of the total profit in 2013 revenue growth levels, corresponding to an increase of the trust industry in 2014 decreased significantly.
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2014 mainly due to decline in the trust industry operating performance are the two trust assets growth continued to slow, incremental benefit contribution decline; the second is the trust rate of return show a downward trend, while reducing the amount of the price began to fall, the Trust value of paid contributions decline. Trust Industry Association that regard, the trust industry restructuring and development of the required content-type growth has not been the final shape, new business growth has not only under heavy volume, nor put price, which is the development of the trust industry in transition enormous challenges on the road.
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P2P regulation further clarified
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For P2P industry, the CBRC single set inclusive finance the working part is more like a surprise.
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Before,adidas high top homme, many have called for, and we wish to establish a separate regulatory supervision net loan, but in fact, compared to the bank trust, P2P industry is still small scale, more likely,scarpe hogan uomo, as a financial product innovation, rather than a non-bank financial institutions. Who had participated in the recent symposium P2P company has said he said.
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According to net loan home data show incomplete statistics, by the end of 2014, net loan operations platform has reached 1575 by the end of 2014, China net loan industry in total volume of more than 382.9 billion yuan.
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Since early 2014, the State Council has clearly P2P centralized CBRC, the CBRC has repeatedly expounded P2P regulatory framework of foreign ideas.
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Wherein, in September 2014, Wang Yan Xiu, director of the CBRC regulatory innovation had clearly put forward ten principles P2P net loan industry regulation, including the construction of a pool of money that can not be, can not provide guarantees, escrow funds and other red line.
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New Economy in China at the annual meeting January 14, 2015, and again stressed that Wang Yan Xiu, P2P credit intermediaries, to guard against illegal touch, financial fraud, illegal fund-raising these bottom line. In terms of legitimate business, if it involves illegal, asymmetric information, agency should bear the corresponding legal responsibility.
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As far as I understand,nike air max ltd homme, in fact, the rules has been basically formed, just more cautious, still watching the market. At present, the China Banking Regulatory Commission has conducted a reform,nike air max femme, particularly some of the new departments and regulatory rulemaking appear, regulatory rules need for coordination between different departments,scarpe hogan uomo, and the eventual need to get an overall grasp of the State Council level. The letter represents the rich CEO Wang Zhengyu said.
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So far, the regulators did not have the relevant regulatory rules specific P2P floor. In addition to regulatory leaked, P2P industry regulation also seeking self-discipline.
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December 2014, Beijing net loan industry association set up, in the form of industry self-regulation proposed product registration, information transparency, managed funds and other criteria. Previously, Shenzhen, Shanghai and other places have also set up similar to the net loan industry organizations.
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Wang Zhengyu opinion in the first half of 2015, the central bank's Internet banking overall regulatory framework will come out, then,hogan interactive, landing P2P regulatory rules will fall into place.
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In the new framework of the China Banking Regulatory Commission, the new Ministry of inclusive finance work, the banking sector will take the lead to promote inclusive finance work, covering of net loans, small loans, supervision and coordination of the financing guarantee institutions.
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This means that the unit will not only P2P inclusive financial supervision inclusion,cinture calvin klein, including more than two former CBRC office small business, regulatory services Management Services, the Ministry of Finance guarantee small loans associations and the Ministry of Rural Financial newly established companies content.
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January 30, 2015, China Association of Microfinance in Beijing by the China Banking Regulatory Commission in charge of the establishment of sector participants include high CBRC, the central bank, Ministry of Civil Affairs, the State Council Legislative Affairs Office, more than 10 ministries, industry associations established specifications in case rare.
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Undoubtedly, the CBRC will become the main promoter of the national inclusive finance strategies.
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According to the people-oriented supervision, strengthen banking Inclusive Finance Ministry to work in small and micro, rural and other weak links services and small loans, net loan,nike occhiali da sole, regulatory coordination financial burden and other non-licensees catch total responsibility. CBRC side said.
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