China Banking Regulatory Commission 2013 Annual

Chairman's Statement About the CBRC Our history and development Our mandates, objectives & missions Our philosophy, approach & criteria Management International Advisory Council (IAC) Organizational structure Part One Economic & Banking Developments Macroeconomic and financial environment Latest development of China's banking sector Part Two Banking Reform and Development Reform and transformation of the banking sector Latest developments in the opening-up of the banking sector Financial innovation Part Three Supporting Economic Restructuring, Transformation and Upgrading Tapping the idle capital while making good use of incremental capital Supporting key areas and industries Promoting green credit and addressing overcapacity Financial services for Micro and Small Enterprises (MSEs) Financial services in rural areas Thematic Column 1: CBRC continued to expand the "Three Major Projects" to support agro-related services The development of consumer finance China (Shanghai) Pilot Free Trade Zone and development of the banking sector Supporting enterprises to "go global" Balanced regional development Part Four Prudential Supervision Macro-prudential supervision Corporate governance and internal controls Capital regulation Thematic Column 2: Chinese-version Basel III passed international assessment Credit risk supervision Liquidity risk supervision Operational risk supervision IT risk supervision Market risk supervision Country risk supervision Reputational risk supervision Part Five Banking Consumer Protection and Education Development of the banking consumer protection regulatory framework Efforts made by banking institutions to fulfill their responsibilities Financial knowledge publicity Strengthening public education Strengthening research on banking consumer protection Part Six Improvement of Regulatory Framework and Supervisory Capability Supervisory thinking Improving legal framework Supervisory approaches Supervisory cooperation and coordination Organizational development Part Seven Strengthening Transparency and Market Discipline Enhancing information disclosure Improving transparency of the banking sector Strengthening market discipline Part Eight Social Responsibility Promoting institutional development and supervisory guidance Securing quality financial services during public holidays Supporting disaster relief and post-disaster reconstruction Supporting charity and poverty-stricken areas Enhancing labor development and caring for employees' growth Part Nine Outlook Economic and financial outlook Supervisory focuses in 2014 Mid- to long-term plan and outlook of banking supervision 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 2013 Appendix 4: MOUs and EOLs with overseas regulators Appendix 5: Significant regulatory and supervisory events in 2013 Appendix 6: Terminology Part Eleven Statistics Appendix 1: Total assets of banking institutions (2003--2013) Appendix 2: Total liabilities of banking institutions (2003--2013) Appendix 3: Total owner's equity of banking institutions (2003--2013) Appendix 4: Total deposits and loans of banking institutions (2003--2013) Appendix 5: Profit after tax of banking institutions (2007--2013) Appendix 6: Returns of banking institutions （2007--2013） Appendix 7: NPLs of banking institutions (2010--2013) Appendix 8: Liquidity ratio of banking institutions (2007--2013) Appendix 9: NPLs, asset impairment provisions and provisioning coverage ratio of commercial banks (2007--2013)