境外媒体看监管（四）
发布时间：2022-02-04 10:57:10来源：金融街15号
境外媒体看监管
2021年，境外媒体持续高度关注银行业保险业监管工作成效以及政策动态，进行了多角度的新闻报道。按惯例，我们精选了部分内容，春节期间与您分享。
01
中国版银保机构“生前遗嘱”落地，强调“自救为本”防范道德风险
（路透社2021-6-9）
China'sbankingandinsurancewatchdogissuedrulesonWednesdayrequiringsizablebanksandinsurerstopreparerecoveryplansintheunlikelyeventthattheyrunintofinancialtrouble,astheregulatorseekstostrengthenthesafetynetofthecountry’sfinancialsector.
Thegoalforsuchplans,whicharecommonlyknownas“livingwills”forfinancialinstitutionsinsomedevelopedeconomies,istomakesureChina'sfinancialinstitutionsdon’tendupneedingcostlybailoutsinthewakeofriskeventswithoutcontingencyplans,andtomaintainfinancialstability,thewatchdogsaid.
Banks,ruralcreditcooperativeandotherdeposit-takinginstitutionswithconsolidatedassetsathomeandabroadofnolessthan300billionyuan($46.96billion)shouldpreparesuchrecoveryandresolutionplans,theChina'sBankingandInsuranceRegulatoryCommission(CBIRG)saidinastatementonitswebsite.
Insurerswithnolessthan200billionyuanoftotalon-bookassetsathomeandabroadshouldalsopreparesuchplans,itadded.
Theregulatoraddedthateligiblefinancialinstitutionsshouldfirstmakeuseoftheirownassetsandaskforhelpfromtheirownshareholdersbeforeturningtothegovernmentforsupportwhenrunningintotrouble.
"Theyshouldpreventaggressivebehaviourtoshouldertoomuchrisks,andpreventthemoralhazardofover-relyingonpublicrescuesandsupport,”accordingtothestatement.
Agraceperiodwillbegivenfortheimplementationoftherules,theCBIRGsaid,withoutstatingspecificdeadlines.
02
中国警示金融衍生品风险
（彭博社2021-6-10）
China’stopbankingregulatorwarnedretailinvestorstoavoidfinancialderivatives,steppingupabidtocurbrisksamidrisingvolatilityinglobalcommodities.
Investorsthatspeculateincurrency,goldorothercommodityfuturesaresettopaythesameheavypriceasthosebettingthatpropertypriceswillneverfall,saidGuoShuqing,chairmanoftheChinaBankingandInsuranceRegulatoryCommission.
Speculationinderivativesbyordinarypeople“istantamounttodisguisedgambling,andtheiroutcomeoflossesispreordained,”hesaidattheLujiazuiforuminShanghaionThursday.
Withglobalcommoditiesrisingtorecords,Chinesegovernmentofficialsaretryingtotemperpricesandreducesomeofthespeculativefroth.Waryofinflatingassetbubbles,thePeople’sBankofChinahasalsobeenrestrictingtheflowofmoneytotheeconomysincelastyear,albeitgraduallytoavoidderailinggrowth.
GuodefendedChina’smacroeconomicresponseduringthepandemic.Criticismthatitamountedtoaninadequatecontributiontoglobalgrowthisbasedon“prejudiceormisunderstanding,”Guosaid.Thepolicieshelpedmaintaineconomicgrowthandavertadeeperglobalrecessionanditsstableexportpricesareservingasan“anchor”toglobalinflationbeingfueledbymoneyprintingindevelopednations,hesaid.
03
中国拟设立国民养老保险公司，注册资本111.5亿元
（路透社2021-8-19）
Chinaplanstosetupastatepensioncompanywithregisteredcapitalof11.15billionyuan($1.72billion),afilingshowedonThursday,thelateststepbytheworld'smostpopulousnationtoboostfundsforitscitizens'retirement.
Seventeenbank-affiliatedwealthmanagementunits,insurersandstateinstitutionswilltakestakesinthecompany,whoselargestshareholdersincludethewealthmanagementunitsofChina'sbigfivebanks,eachwithastakeof8.97%,thefilingbytheInsuranceAssociationofChinashowed.
Thenewcompanywillmanagecommercialpensionfunds,short-terniandlong-tennhealthinsurance,andentrustyuanorforeigncurrency-denominatedassetstootherassetmanagersforretirementpurposes,thefilingshowed.
Toremedygrowingpensionshortfalls,China'sBankingandInsuranceRegulatoryCommission(CBIRG)isconsideringendorsingalistofprivatepensionfluidsandappointingagroupofprofessionalmanagerstonuithemunderanewscheme,Reutershasreported.
The17finns,amongthemChina'slargestbrokerageCITIGSecuritiesGo,TaikangLifeInsurance,andtheinvestmentarmofBeijing'sState-ownedAssetSupervisionandAdministrationCommission,saidtheywouldusetheirownfundstoinvestinthenewcompanyinsteadofleveragedfunds.
银保监会办公厅选编
编辑韩业清