中證網訊（記者 歐陽劍環）銀保監會網站9月22日消息，為加強商業銀行風險監管，完善商業銀行同質同類比較和差異化監管，合理分配監管資源，促進商業銀行可持續健康發展，近日，銀保監會發布《商業銀行監管評級辦法》（以下簡稱《辦法》）。

　　《辦法》共五章二十七(qi)條，包括總(zong)則、評(ping)(ping)(ping)(ping)級(ji)(ji)要(yao)素與評(ping)(ping)(ping)(ping)級(ji)(ji)方法、評(ping)(ping)(ping)(ping)級(ji)(ji)程序、評(ping)(ping)(ping)(ping)級(ji)(ji)結(jie)(jie)果(guo)(guo)運(yun)用(yong)、附則，從總(zong)體(ti)上(shang)對(dui)銀(yin)行(xing)(xing)(xing)(xing)機(ji)(ji)構(gou)(gou)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)工(gong)作(zuo)(zuo)進行(xing)(xing)(xing)(xing)規范(fan)(fan)，完(wan)善(shan)(shan)銀(yin)行(xing)(xing)(xing)(xing)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)制(zhi)度(du)，充分發(fa)揮監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)在非現(xian)場(chang)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)中(zhong)的核(he)心作(zuo)(zuo)用(yong)和(he)(he)(he)對(dui)銀(yin)行(xing)(xing)(xing)(xing)風險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)的導向(xiang)作(zuo)(zuo)用(yong)。一(yi)是(shi)建立(li)統(tong)(tong)一(yi)協(xie)調(diao)的監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)工(gong)作(zuo)(zuo)機(ji)(ji)制(zhi)，增(zeng)強(qiang)規范(fan)(fan)性(xing)(xing)(xing)和(he)(he)(he)客觀性(xing)(xing)(xing)。完(wan)善(shan)(shan)銀(yin)行(xing)(xing)(xing)(xing)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)程序，進行(xing)(xing)(xing)(xing)統(tong)(tong)一(yi)管(guan)(guan)(guan)(guan)理(li)(li)，明確(que)操作(zuo)(zuo)要(yao)求，增(zeng)強(qiang)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)工(gong)作(zuo)(zuo)的嚴肅(su)性(xing)(xing)(xing)、規范(fan)(fan)性(xing)(xing)(xing)。利用(yong)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)信息系統(tong)(tong)開展評(ping)(ping)(ping)(ping)級(ji)(ji)工(gong)作(zuo)(zuo)，加(jia)強(qiang)評(ping)(ping)(ping)(ping)級(ji)(ji)流程跟蹤和(he)(he)(he)管(guan)(guan)(guan)(guan)理(li)(li)，提(ti)升(sheng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)效率和(he)(he)(he)準確(que)性(xing)(xing)(xing)。二是(shi)完(wan)善(shan)(shan)評(ping)(ping)(ping)(ping)級(ji)(ji)內容和(he)(he)(he)方法，提(ti)高靈活度(du)和(he)(he)(he)適應性(xing)(xing)(xing)。堅持(chi)“風險(xian)(xian)(xian)為本(ben)”原則，優化(hua)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)要(yao)素體(ti)系，在傳統(tong)(tong)“CAMELS+”評(ping)(ping)(ping)(ping)級(ji)(ji)體(ti)系基礎上(shang)，突出公司(si)治理(li)(li)、數據治理(li)(li)等的重要(yao)性(xing)(xing)(xing)，并專設機(ji)(ji)構(gou)(gou)差異化(hua)要(yao)素，充分反(fan)映監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)重點和(he)(he)(he)不同類型銀(yin)行(xing)(xing)(xing)(xing)機(ji)(ji)構(gou)(gou)風險(xian)(xian)(xian)特征。建立(li)評(ping)(ping)(ping)(ping)級(ji)(ji)結(jie)(jie)果(guo)(guo)級(ji)(ji)別限(xian)制(zhi)和(he)(he)(he)動態調(diao)整(zheng)機(ji)(ji)制(zhi)，確(que)保(bao)對(dui)銀(yin)行(xing)(xing)(xing)(xing)風險(xian)(xian)(xian)具有重要(yao)影(ying)響的突發(fa)事(shi)件(jian)和(he)(he)(he)不利因素得到及(ji)時(shi)、合理(li)(li)反(fan)映。三是(shi)加(jia)強(qiang)評(ping)(ping)(ping)(ping)級(ji)(ji)結(jie)(jie)果(guo)(guo)運(yun)用(yong)，切實提(ti)升(sheng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)效能(neng)。強(qiang)調(diao)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)結(jie)(jie)果(guo)(guo)是(shi)綜合衡(heng)量銀(yin)行(xing)(xing)(xing)(xing)經(jing)營狀(zhuang)況、風險(xian)(xian)(xian)程度(du)和(he)(he)(he)管(guan)(guan)(guan)(guan)理(li)(li)能(neng)力的主(zhu)要(yao)依(yi)據，監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)機(ji)(ji)構(gou)(gou)應當根據銀(yin)行(xing)(xing)(xing)(xing)評(ping)(ping)(ping)(ping)級(ji)(ji)情況，科學制(zhi)定監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)規劃，合理(li)(li)配置監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)資源。明確(que)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)機(ji)(ji)構(gou)(gou)可(ke)以根據監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)(ping)(ping)(ping)級(ji)(ji)結(jie)(jie)果(guo)(guo)，依(yi)法采取相(xiang)應監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)措施(shi)和(he)(he)(he)行(xing)(xing)(xing)(xing)動，注重“早(zao)期介入”，努(nu)力實現(xian)風險(xian)(xian)(xian)早(zao)發(fa)現(xian)、早(zao)介入、早(zao)處置，防止風險(xian)(xian)(xian)苗頭和(he)(he)(he)隱(yin)患演變為嚴重問題。

　　《辦法》的(de)(de)發布(bu)和(he)實(shi)施，進一步完善(shan)(shan)了(le)商(shang)業銀行(xing)(xing)(xing)監(jian)管(guan)規則，為加(jia)強商(shang)業銀行(xing)(xing)(xing)非現場監(jian)管(guan)、發揮監(jian)管(guan)評級(ji)的(de)(de)重要作用提供(gong)了(le)制度保障，有(you)利(li)(li)于合理分(fen)配監(jian)管(guan)資(zi)源、增強監(jian)管(guan)能力(li)，有(you)利(li)(li)于引導銀行(xing)(xing)(xing)完善(shan)(shan)風險(xian)(xian)防控、筑牢(lao)全面風險(xian)(xian)管(guan)理體系(xi)，有(you)利(li)(li)于完善(shan)(shan)金融風險(xian)(xian)預警和(he)處(chu)置(zhi)機制，守住不發生(sheng)系(xi)統性金融風險(xian)(xian)底線，維護金融穩(wen)定和(he)國家金融安全。