论文部分内容阅读
尚福林中国银监会主席——尚福林8月24日在第十二届全国人民代表大会常务委员会第十六次会议上,就《中华人民共和国商业银行法修正案(草案)》作说明时表示,考虑到《商业银行法》全面修改涉及面广、问题复杂,短期内难以完成,在当前经济下行压力较大情况下,作为稳增长的一项具体措施,先就取消存贷比监管指标尽快修改商业银行法,具有积极意义。存贷比指标只考虑存款和贷款两项,覆盖面不够,且未区别存款和贷款的期限、质量、稳定性等因素,难以全面反映商业银行的流动性风险状况。
Shang Fulin Chairman of China Banking Regulatory Commission - Shang Fulin On August 24 at the twelfth session of the Standing Committee of the National People’s Congress Standing Committee on the “People’s Republic of China Commercial Bank Law Amendment (Draft)” for explanation, Taking into account the comprehensive revision of the “Commercial Bank Law” involves a wide range of issues is complex and difficult to complete in the short term, under the current economic downturn greater pressure, as a concrete measure to stabilize growth, first cancel the loan and deposit ratio regulatory indicators as soon as possible to amend Commercial Bank Law, has a positive meaning. The loan-to-deposit ratio indicator only considers two items of deposits and loans, and the coverage is not enough. It is difficult to fully reflect the liquidity risk status of commercial banks due to factors such as the duration, quality and stability of deposits and loans.