China securities network news according to the China Banking Regulatory Commission News on May 8, recently, in order to guide commercial banks to standardize the management of collateral, effectively prevent and resolve credit risks, and more effectively serve the real economy, china Banking Regulatory Commission (CBRC) issued the guidelines on the management of commercial bank securities (hereinafter referred to as the guidelines).
The management of pledged goods in commercial banks is an important part of the comprehensive risk management system. The formulation of “guidelines” can guide commercial banks to strengthen the construction of related systems of securities, clarify Post responsibilities, improve information systems, and standardize the business processes of securities management; At the same time, classify, evaluate, concentration management, stress testing, etc. put forward clear requirements, which is conducive to commercial banks to strengthen the risk management of collateral.
There are 7 chapters and 48 articles in the guidelines, which emphasize that commercial banks should follow the principles of legality, effectiveness, prudence and subordination, improve the organizational structure of collateral management, strengthen the classification of collateral, valuation of collateral, risk management of key links such as the setting of the pledge rate, and standardize the business processes such as investigation and evaluation of the pledge, the establishment of the pledge, the management of the duration, and the return and disposal of the pledge.
The implementation of the guidelines is helpful to improve the risk mitigation effect of collateral, control the residual risks of mortgage transactions, and guide commercial banks to balance the relationship between mortgage loans and credit loans, improve financial services for the real economy.
China securities network news according to the China Banking Regulatory Commission News on May 8, recently, in order to guide commercial banks to standardize the management of collateral, effectively prevent and resolve credit risks, and more effectively serve the real economy, china Banking Regulatory Commission (CBRC) issued guidelines on the management of commercial bank securities (the following