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人行、銀保監發佈全國系統重要性銀行名單 共19家
中國人民銀行、中國銀行保險監督管理委員會根據《系統重要性銀行評估辦法》,基於2020年數據,評估認定了19家國內系統重要性銀行,包括6家國有商業銀行、9家股份制商業銀行和4家城市商業銀行。按系統重要性得分從低到高分爲五組:第一組8家,包括平安銀行(000001.SZ)、中國光大銀行(06818.HK)(601818.SH)、華夏銀行(600015.SH)、廣發銀行、寧波銀行(002142.SZ)、上海銀行(601229.SH)、江蘇銀行(600919.SH)、北京銀行(601169.SH)。 第二組4家,包括浦發銀行(600000.SH)、中信銀行(00998.HK)(601998.HK)、民生銀行(01988.HK)(600016.SH)、郵政儲蓄銀行(01658.HK)(601658.SH);第三組3家,包括交通銀行(03328.HK)(601328.SH)、招商銀行(03968.HK)(600036.SH)、興業銀行(601166.SH);第四組4家,包括工商銀行(01398.HK)(601398.SH)、中國銀行(03988.HK)(601988.SH)、建設銀行(00939.HK)(601939.SH)、農業銀行(01288.HK)(601288.SH);第五組暫無銀行進入。 據《系統重要性銀行附加監管規定(試行)》,系統重要性銀行分爲五組,第一組到第五組的銀行分別適用0.25%、0.5%、0.75%、1%和1.5%的附加資本要求。若銀行同時被認定爲系統重要性銀行和全球系統重要性銀行,附加資本要求不疊加,採用二者孰高原則確定。 首次進入系統重要性銀行名單的銀行,應當根據自身經營特點、風險和管理狀況,按照人民銀行、銀保監會的要求,制定集團層面的恢復計劃和處置計劃建議,並於下一年度8月31日前提交危機管理小組審查。如銀行在面臨資本不足或流動性困難時可以採取的措施及具體執行方案,包括補充流動性、資產出售、補充資本、暫停或限制分紅、壓縮經營成本等。
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