記者12月3日從央行(xing)官網獲悉，為完(wan)善我國(guo)系統重(zhong)要性(xing)金融(rong)機構監管框架(jia)，建立系統重(zhong)要性(xing)銀(yin)行(xing)評估與識別(bie)機制(zhi)(zhi)，人(ren)民銀(yin)行(xing)、銀(yin)保(bao)監會聯合發布《系統重(zhong)要性(xing)銀(yin)行(xing)評估辦法(fa)》（以下(xia)簡稱《評估辦法(fa)》）。業內人(ren)士指出(chu)，該辦法(fa)的正式(shi)出(chu)臺，標志著我國(guo)在建設現代(dai)中(zhong)央銀(yin)行(xing)制(zhi)(zhi)度(du)和完(wan)善現代(dai)金融(rong)監管體系的道路上(shang)同(tong)時前進了一步。

　　據悉(xi)，本次發布《評估辦(ban)法》是(shi)完善(shan)我國系(xi)統重要性銀行監管框架的基礎。附加監管規(gui)定正在內部征(zheng)求(qiu)意見(jian)過程中，成熟后(hou)將對外公(gong)開(kai)征(zheng)求(qiu)意見(jian)，人民銀行、銀保(bao)監會(hui)還將發布系(xi)統重要性銀行名(ming)單。

　　《評估辦法》的制定體現了(le)金(jin)融監(jian)管與國(guo)際接軌的原則。人民銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)保監(jian)會有關部門(men)負責人表示，國(guo)際金(jin)融危機(ji)(ji)后(hou)，強化對系(xi)(xi)統(tong)重(zhong)(zhong)(zhong)要(yao)性金(jin)融機(ji)(ji)構(gou)的監(jian)管、防范(fan)“大而(er)不(bu)能倒”問題成為全球范(fan)圍內金(jin)融監(jian)管改革的重(zhong)(zhong)(zhong)要(yao)內容。考慮到銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業在我國(guo)金(jin)融體系(xi)(xi)占有重(zhong)(zhong)(zhong)要(yao)地位，工商銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、農業銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、中國(guo)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、建設(she)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)等4家銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)均已入選全球系(xi)(xi)統(tong)重(zhong)(zhong)(zhong)要(yao)性銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)名(ming)單，此次《評估辦法》的發布為后(hou)續發布系(xi)(xi)統(tong)重(zhong)(zhong)(zhong)要(yao)性銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)名(ming)單、實施附加監(jian)管要(yao)求奠(dian)定基(ji)礎。

　　具體來看，《評(ping)(ping)(ping)估辦(ban)法》主(zhu)要內(nei)容包(bao)括(kuo)：明確評(ping)(ping)(ping)估目的，即識(shi)別(bie)出我國系(xi)統(tong)(tong)重要性(xing)銀(yin)(yin)行(xing)(xing)(xing)，每年(nian)發布(bu)名(ming)單(dan)，根據名(ming)單(dan)對系(xi)統(tong)(tong)重要性(xing)銀(yin)(yin)行(xing)(xing)(xing)進(jin)行(xing)(xing)(xing)差異化監(jian)管(guan)(guan)(guan)，切實維護金(jin)融穩(wen)定(ding)(ding)。確定(ding)(ding)評(ping)(ping)(ping)估方法，采用定(ding)(ding)量評(ping)(ping)(ping)估指標計算(suan)參(can)評(ping)(ping)(ping)銀(yin)(yin)行(xing)(xing)(xing)的系(xi)統(tong)(tong)重要性(xing)得分(fen)，再(zai)結合其他定(ding)(ding)量和定(ding)(ding)性(xing)信息作(zuo)出監(jian)管(guan)(guan)(guan)判斷。明確評(ping)(ping)(ping)估流程，每年(nian)確定(ding)(ding)參(can)評(ping)(ping)(ping)銀(yin)(yin)行(xing)(xing)(xing)范(fan)圍，收集參(can)評(ping)(ping)(ping)銀(yin)(yin)行(xing)(xing)(xing)數(shu)據進(jin)行(xing)(xing)(xing)測算(suan)，提出系(xi)統(tong)(tong)重要性(xing)銀(yin)(yin)行(xing)(xing)(xing)初始名(ming)單(dan)，結合監(jian)管(guan)(guan)(guan)判斷，對初始名(ming)單(dan)進(jin)行(xing)(xing)(xing)必要調整，經國務院金(jin)融穩(wen)定(ding)(ding)發展委(wei)員會(hui)確定(ding)(ding)后發布(bu)。

　　人(ren)民(min)銀(yin)行、銀(yin)保(bao)監(jian)會有關部(bu)門負責人(ren)表(biao)示，《評估辦法》發布后，人(ren)民(min)銀(yin)行將會同銀(yin)保(bao)監(jian)會制定(ding)系統(tong)(tong)重(zhong)要(yao)(yao)性(xing)(xing)(xing)銀(yin)行附(fu)加監(jian)管要(yao)(yao)求。擬從(cong)附(fu)加資本、杠桿率、大(da)額風險暴(bao)露、公(gong)司治(zhi)理、恢復處置計劃、信息披露和數據報(bao)送等方面對系統(tong)(tong)重(zhong)要(yao)(yao)性(xing)(xing)(xing)銀(yin)行提出監(jian)管要(yao)(yao)求，還將建(jian)立(li)早期(qi)糾正機制，推動(dong)系統(tong)(tong)重(zhong)要(yao)(yao)性(xing)(xing)(xing)銀(yin)行降低(di)復雜性(xing)(xing)(xing)和系統(tong)(tong)性(xing)(xing)(xing)風險，建(jian)立(li)健全資本內在約束(shu)機制，提升銀(yin)行抵御風險和吸收損失的能(neng)力，提高(gao)自救能(neng)力，防(fang)范“大(da)而不能(neng)倒”風險。

　　“在制(zhi)定和(he)實(shi)(shi)施(shi)附加(jia)監管(guan)要求時，人(ren)民銀行(xing)、銀保監會將充(chong)分考慮(lv)宏觀經濟(ji)形勢(shi)、銀行(xing)資本補充(chong)需求和(he)服(fu)務實(shi)(shi)體經濟(ji)等因素，合(he)理安(an)排出臺時機。針對不(bu)同組別和(he)類(lei)型(xing)的(de)系統重(zhong)要性(xing)銀行(xing)，根據(ju)經營特點和(he)系統性(xing)風險表現，分類(lei)施(shi)策，匹配差異(yi)化的(de)附加(jia)監管(guan)實(shi)(shi)施(shi)方案，設置合(he)理的(de)過渡期安(an)排，確保政策影響(xiang)中性(xing)，穩妥有序實(shi)(shi)施(shi)。”上(shang)述負(fu)責人(ren)強(qiang)調。