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Administrative Measures for the Loan Loss Reserves of Commercial Banks [Effective]
商业银行贷款损失准备管理办法 [现行有效]
【法宝引证码】

 

Order of the China Banking Regulatory Commission 

中国银行业监督管理委员会令


(No.4 [2011])
 
(2011年第4号)


The Administrative Measures for the Loan Loss Reserves of Commercial Banks, as deliberated and adopted at the 110th chairman's executive meeting of the China Banking Regulatory Commission, are hereby promulgated, and shall come into force on January 1, 2012.
 
《商业银行贷款损失准备管理办法》已经中国银行业监督管理委员会第110次主席办公会议审议通过。现予公布,自2012年1月1日起施行。

Chairman: Liu Mingkang
 
主席 刘明康

July 27, 2011
 
二○一一年七月二十七日

Administrative Measures for the Loan Loss Reserves of Commercial Banks
 
商业银行贷款损失准备管理办法

 
Chapter I General Provisions 第一章 总则

 
Article 1 To improve prudential supervision, make commercial banks more dynamic and forward-looking in setting aside loan loss reserves, improve their ability to mitigate risks, and enhance their steady and stable operation, these Measures are formulated pursuant to the Banking Supervision Law of the People's Republic of China and the Law of the People's Republic of China on Commercial Banks.   第一条 为加强审慎监管,提升商业银行贷款损失准备的动态性和前瞻性,增强商业银行风险防范能力,促进商业银行稳健运行,根据《中华人民共和国银行业监督管理法》和《中华人民共和国商业银行法》,制定本办法。

 
Article 2 These Measures apply to commercial banks lawfully formed within the territory of the People's Republic of China, including Chinese-funded banks, exclusively foreign-funded banks and Sino-foreign joint-stock banks.   第二条 本办法适用于中华人民共和国境内依法设立的商业银行,包括中资银行、外商独资银行和中外合资银行。

 
Article 3 For the purpose of these Measures, the term “loan loss reserves” refers to the reserve funds set aside by a commercial bank categorized as a loan risk mitigation cost, not including general risk reserves set aside during profit distribution.   第三条 本办法所称贷款损失准备是指商业银行在成本中列支、用以抵御贷款风险的准备金,不包括在利润分配中计提的一般风险准备。

 
Article 4 The China Banking Regulatory Commission (“CBRC”) and its local offices (hereinafter referred to as “banking regulatory authorities”) shall oversee and regulate the loan loss reserves of commercial banks according to these Measures.   第四条 中国银行业监督管理委员会及其派出机构(以下简称银行业监管机构)根据本办法对商业银行贷款损失准备实施监督管理。

 
Article 5 The loan loss reserves of commercial banks may not be lower than the regulatory standards as set forth by the banking regulatory authorities.   第五条 商业银行贷款损失准备不得低于银行业监管机构设定的监管标准。

 
Chapter II Regulatory Standards 第二章 监管标准

 
Article 6 The banking regulatory authorities shall set up a loan provision ratio and a provision coverage ratio to evaluate whether the loan loss reserves of commercial banks are sufficient.

Loan provision ratio refers to the ratio of loan loss reserves against the balance of loans; while provision coverage ratio refers to the ratio of loan loss reserves against the balance of non-performing loans.

   第六条 银行业监管机构设置贷款拨备率和拨备覆盖率指标考核商业银行贷款损失准备的充足性。

贷款拨备率为贷款损失准备与各项贷款余额之比;拨备覆盖率为贷款损失准备与不良贷款余额之比。


 
Article 7 The basic standard for loan provision ratio is 2.5%, and that for provision coverage ratio is 150%, the higher of which is the regulatory standard for the loan loss reserves of commercial banks.   第七条 贷款拨备率基本标准为2.5%,拨备覆盖率基本标准为150%。该两项标准中的较高者为商业银行贷款损失准备的监管标准。

 
Article 8 The banking regulatory authorities shall adjust the regulatory standard for the loan loss reserves of commercial banks according to factors such as economic cycle, macroeconomic policies, industrial policies, overall discrepancy in loan classification of commercial banks, and developing trends in loan losses.
......
   第八条 银行业监管机构依据经济周期、宏观经济政策、产业政策、商业银行整体贷款分类偏离度、贷款损失变化趋势等因素对商业银行贷款损失准备监管标准进行动态调整。
......

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