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近日,銀監會印發《中國銀監會關于銀行業風險防控工作的指導意見》,在全國范圍內進一步加強銀行業風險防控工作,切實處置一批重點風險點,消除一批風險隱患,嚴守不發生系統性風險底線。
Chinese 100 yuan banknotes are seen in a counting machine while a clerk counts them at a branch of a commercial bank in Beijing, in this March 30, 2016 file picture. [Photo/Agencies]
China will enhance risk control throughout the banking sector to eliminate financial risks in major fields, the country's top banking regulator announced Monday.
銀監會10日宣布,將在全國范圍內進一步加強銀行業風險防控工作,消除重點領域金融風險。
《指導意見》明確了銀行業風險防控的重點領域,既包括信用風險(credit risks)、流動性風險(liquidity risks)、房地產領域風險(risks in the real estate sector)、地方政府債務違約風險(local government debt default risks)等傳統領域風險,又包括債券波動風險(bond risks)、交叉金融產品風險(risks of cross-market financial products)、互聯網金融風險(internet finance risks)、外部沖擊風險(risks of external impact)等非傳統領域風險,基本涵蓋了銀行業風險的主要類別。
《指導意見》指出,銀行業金融機構要嚴格落實信貸及類信貸資產的分類標準和操作流程(implement the classification standard and operating process of credit assets),真實、準確和動態地反映資產風險狀況;加強統一授信(unified credit granting)、統一管理(unified management),嚴格不同層級的審批權限;加強授信風險審查,有效甄別高風險客戶,防范多頭授信、過度授信、給“僵尸企業”(zombie enterprises)授信、給“空殼企業”(shell companies)授信、財務欺詐等風險。
常見金融詞匯表達
信譽風險 reputational risk
風險評級 risk rating
到期不還貸 default on a loan
資不抵債 insolvency; be insolvent
亞洲金融危機 Asian financial crisis (1997-98)
投資(貸款)組合 investment (loan) portfolio
外匯儲備充足 sufficient foreign exchange reserves
中國金融業問題 problems with financial sector in China
儲蓄比例過高 the excessively large proportion of savings in the money supply
國有企業產負債率過高 high leverage ratio of the state-owned enterprises,
國有獨資商業銀行不良資產比例過高 high ratio of non-performing loans of the state commercial banks
少數中小存款金融機構不能支付到期債務 insolvency of a handful of small and medium-sized financial institutions
不良貸款 non-performing loans
防范和化解金融風險 address financial risks
(中國日報網英語點津 馬文英)
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