专业银行词汇教案.ppt

1. Restructuring and transforming state-owned commercial banks restructure balance sheets establish corporate governance transform operational mechanisms invite strategic investors list in stock market make them internationally competitive financial institutions 2. new joint-equity banks 3. rural institutions 4. new intermediary services: international settlement bankcards personal banking financial consulting IV. increased openness of the banking sector 1. the increasing presence of foreign banks 2. gradually giving foreign banks national treatment (liberalizing banking sector) 3. introducing (foreign) strategic investors V. strengthened banking supervision 1. a comprehensive risk monitoring and warning system 2. a risk-based five-category loan classification system 3. replenish to raise commercial banks capital adequacy ratio 4.responsibility for supervising the securities sector has been transferred from the PBC to SSRC 5. requiring problem institutions to restructure in a limited time and subjection the insolvent ones to liquidation procedure 6. giving fit-and-proper tests and intensifying the enforcement of penalties on offenders 7. setting up asset management companies to take over and dispose of part of non-performing loans of commercial banks 8. developing a nationwide credit reporting system covering individual and institutional credit information 9. implementing core principles (Basel II) 10. establishment of an association of bankers to tighten self-discipline 11. facilitating market discipline: transparency and information disclosure VI. prospects for banking sector development 1. new challenges: strengthen corporate governance and internal controls, develop management information systems, improve information disclosure, establish a deposit insurance system 2. new opportunities: further interest rate liberalization (risk pricing) freer cross-border capital movement greater exchange rate flexibility increased foreign presence progress in financial