Banking in China by Violaine Cousin (auth.)

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By Violaine Cousin (auth.)

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The definition of responsibilities has yet to be drawn clearly. The second issue is that CBRC still lacks the human and financial resources6 as well as sufficient knowledge and experience in bank supervision to fully enforce the new regulations, especially those concerning risk management. While new regulations give the CBRC the power and means to enforce new standards and to introduce new practices in Chinese banks, the real power gained by CBRC will depend on how its professionalism is perceived by the market.

Market mechanisms are being introduced, but have not yet taken root. 8 By the end of 2002, the system covered most of China (with 334 cities) for corporate bank loans. The system does not cover intercompany trade transactions or loans to individuals. 27 mln borrowers and transactions amounting to CNY 13,700 bln. 3 mln. The database includes information on the borrower (name, address, loan registration number, industry, some general financial data and pending law disputes), on the loan (amount, currency, status of repayment based on the five loans classification, maturity) and on the collateral provided (guarantor details, mortgages, amount valued).

May be adjusted by CBRC but cannot be less than half that amount. SOCBs branches require the same operational capital than for JSCBs. Further capital for new business lines or expansion of business lines is not required. *** Further outlets in one city where a branch is already established can be opened with an operating capital of CNY 10 mln. Source: References for laws 14. Legal and Regulatory Environment 29 Commercial banks are defined as receiving deposits and lending to the public, and providing settlement services as well as other financial services (Art.

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