Chairman''s Statement
About the CBRC
Ⅰ. Our mandates, objectives missions
Ⅱ. Our philosophy, approach criteria
Ⅲ. Code of conduct
Ⅳ. Management
Ⅴ. International Advisory Council IAC
Ⅵ. Organizational structure
Part One Economic Banking Developments
Ⅰ. Macroeconomic and financial environment
Ⅱ. Latest developments of China''s banking sector
Part Two Banking Reform and Development
Ⅰ. Reform and transformation of the banking sector
Ⅱ. Latest developments in the opening-up of the banking sector
Ⅲ. Financial innovation Thematic Column 1: Introduction of private
capital into the banking sector
Part Three Improvement of Financial Services for Real Economy
Ⅰ. Supporting key areas
Ⅱ. Enhancing financial services for SMEs
Ⅲ.Improving rural financial servicesThematic Column 2: "Three
Major Projects" launched
Ⅳ. Promoting balanced regional development
Part Four Prudential Supervision
Ⅰ. Corporate governance and internal controls
Ⅱ. Capital regulation Thematic Column 3: Capital Rules for
Commercial Banks Provisional
Ⅲ. Credit risk supervision
Ⅳ. Liquidity risk supervision
Ⅴ. Operational risk supervision
Ⅵ. IT risk supervision
VⅡ. Market risk supervision
VⅢ. Country risk supervision
IⅩ. Reputational risk supervision
Ⅹ. Credit guarantee activities
Ⅺ. Anti-illegal fund-raising
Part Five Improvement of Regulatory Framework and Supervisory
Capacity
Ⅰ. Improving legal framework
Ⅱ. Supervisory approaches
Ⅲ.Supervisory cooperation and coordination
Ⅳ. Organizational development
Part Six Banking Consumer Protection and Education
Ⅰ. Development of the banking consumer protection regulatory
framework
Ⅱ. Bringing into full play banking institutions'' responsibilities
on consumer protection
Ⅲ.Consumer protection endeavors
Part Seven Strengthening Transparency and Market Discipline
Ⅰ. Enhancing information disclosure
Ⅱ. Improving transparency of the banking sector
Ⅲ. Strengthening market discipline
Part Eight Social Responsibility
Ⅰ. Promoting supervisory guidance
Ⅱ. Securing quality financial services during public holidays
Ⅲ. Boosting sustainable development of student loan undertakings
Ⅳ. Supporting charity and poverty-stricken areas
Ⅴ. Helping disaster relief and post-disaster reconstruction
Part Nine Outlook
Ⅰ. Economic and financial outlook
Ⅱ. Supervisory focuses in 2013
Ⅲ. Mid- to long-term plan and outlook of banking supervision
Thematic Column 4: The banking sector''s "Twelfth Five-Year Plan"
Part Ten Appendixes
Appendix 1: Responsibility description of the CBRC departments and
local offices
Appendix 2: Financial management activities of the CBRC
Appendix 3: Rules and regulatory documents issued in 2012
Appendix 4: MOUs and EOLs with overseas regulators
Appendix 5: Significant regulatory and supervisory events in 2012
Appendix 6: Terminology
Appendix 7 Statistics
Appendix 7-1: Total assets of banking institutions 2003-2012
Appendix 7-2: Total liabilities of banking institutions 2003-2012
Appendix 7-3: Total owner''s equity of banking institutions
2003-2012
Appendix 7-4: Total deposits and loans of banking institutions
2003-2012
Appendix 7-5: Profit after tax of banking institutions 2007-2012
Appendix 7-6: Returns of banking institutions 2007-2012
Appendix 7-7: NPLs of banking institutions 2010-2012
Appendix 7-8: Liquidity ratio of banking institutions 2007-2012
Appendix 7-9: NPLs, asset impairment provisions and provisioning
coverage ratio of commercial banks 2007-2012
Appendix 7-10: NPLs of commercial banks 2012
Appendix 7-11: Distribution of NPLs of commercial banks by industry
2012
Appendix 7-12: Distribution of NPLs of commercial banks by region
2012
Appendix 7-13: CAR of commercial banks 2010-2012
Appendix 7-14: CBRC on-site examinations 2003-2012
Appendix 7-15: Number of legal entities and staff of banking
institutions As of end-2012
Boxes
Box 1: New international standards for banking regulatory regime --
the third edition of "Core Principle for Effective Banking
Supervision"
Box 2: Trust companies contributed to social wealth management
Box 3: Banks accelerated transformation of operational and
management pattern
Box 4: Interest rate liberalization
Box 5: The CBRC launched the international affairs working
mechanism for Chinese banking institutions
Box 6: Further opening-up of mainland China''s banking industry to
Hong Kong and Macau
Box 7: Accelerated Cross-Strait banking expansion and strengthened
supervisory cooperation
Box 8: Wealth management products
Box 9: Development of village and township banks
Box 10: Banking industry made significant achievements in
supporting the development of Xinjiang, Tibet and Northeast China
Box 1i: Non-performing loans of commercial banks
Box 12: Warding off external risk contagion
Box 13: The CBRC established the Banking Information Technology
Supervision Department
Box 14: Summary of key on-site examinations in 2012
Box 15: Inspection on the five-category loan classification
Box 16: The 10th IAC Meeting
Box 17: Global Supervisory College for the BOC and the BoCOM
Box 18: Cross-border cooperation on foreign bank supervision
Box 19: Implementation of the CPC Central Politburo''s "Eight
Provisions"
Box 20: Establishment of the CBRC Banking Consumer Protection
Department
Box 21: Modifying the Administrative Rules on Service Charges of
Commercial Banks
Charts
Chart 1: Total assets and liabilities of banking institutions
2003-2012
Chart 2: Market share by assets of banking institutions
2003-2012
Chart 3: Deposits, loans loan-to-deposit ratio 2003-2012
Chart 4: Number and percentage of banks meeting the CAR requirement
2003-2012
Chart 5: NPL balance and ratio of commercial banks 2007-2012
Chart 6: Asset impairment provisions and provisioning coverage
ratio of commercial banks 2007-2012
Chart 7: Income structure of banking institutions 2012
Chart 8: Liquidity condition of banking institutions Dec 2011 to
Dec 2012
Chart 9: Expenses of the CBRC in 2012
Tables
Table 1: Foreign banking establishments in China As of end-2012
Table 2: Foreign bank operations in China 2006-2012
Table 3: Annualized CAR requirements during the transitional period