1. capital adequacy ratio: to measure a bank's capital strength and risk tolerance, it is usually measured by Tier 1 capital adequacy ratio and total capital adequacy ratio. Banks need to report their capital adequacy ratio according to regulatory indicators to ensure that their capital adequacy ratio meets regulatory requirements.
2. Liquidity ratio: used to evaluate the liquidity risk of banks and measure their ability to repay debts and pay due principal and interest.
3. Non-performing loan ratio: It measures the proportion of non-performing loans of banks and reflects the loan risk and credit quality of banks.
4. Leverage ratio: used to evaluate the debt leverage of banks, that is, the ratio of total assets to net capital.
5. Profit rate of capital: To evaluate the profitability and return on capital of a bank, it is usually measured by the ratio of net profit to average capital.
6. Liquidity risk indicators: including Net Stable Capital Ratio (NSFR) and liquidity coverage ratio (LCR), which are used to measure the liquidity risk management ability of banks.
7. Risk concentration: Assess the risk dispersion of banks, including single borrower risk, industry risk and regional risk.
8. Balance Sheet Structure: Evaluate the balance sheet structure of the bank, including loan-to-deposit ratio, long-term and short-term financing ratio, etc.
Regulatory requirements of credit card business management
1. The prudential supervision indicators of commercial banks meet the relevant requirements of China Banking Regulatory Commission.
2. The commercial bank has a good reputation, has a sound and effective internal control mechanism, and has no violations of laws and regulations in the last three years. Commercial banks have established business systems that meet the requirements of laws and regulations in the Mainland.
3. The directors, executives and employees of commercial banks all meet their own requirements. Commercial banks have corresponding office space and related facilities to carry out business.