Lead: Non-standardized creditor's rights assets refer to creditor's rights assets that are not traded in the interbank market and the stock exchange market, including but not limited to credit assets, trust loans, entrusted creditor's rights, acceptance bills, letters of credit, accounts receivable, various beneficial rights, equity financing with repurchase clauses, etc. Restrictive management

Upper limit of proportion

The Notice on Regulating the Investment Operation of Commercial Banks' Wealth Management Business (Yin Jian Fa [2065438+03] No.8, hereinafter referred to as the Notice) issued by the China Banking Regulatory Commission on March 27th, 20th/Kloc-3rd pointed out that the wealth management funds of commercial banks are directly or indirectly invested in? Non-standardized debt assets? Business is developing rapidly.

The Notice requires that the non-standardized debt investment of wealth management products of commercial banks should be standardized, and the upper limit of the balance of wealth management products should be set at 35%, which should not exceed 4% of the total assets of banks in the previous year. The new regulations will take effect on March 27th, 2003+2065438.

List system management

Supervision direction Since 20 12 years ago, commercial banks have directly or indirectly invested in wealth management through non-bank financial institutions and asset trading platforms. Non-standardized debt assets? Potential risks of rapid business growth.

In view of the risks of financial investment in non-standardized debt assets, the CBRC reiterated that it has always emphasized? Adhere to the principle of one-to-one correspondence in the use of funds sources? That is to say, each financial product should correspond to the invested assets (subject matter) one by one, so that each product can be managed, accounted for and accounted for separately.

One to one correspondence is the most important red line. Above the red line is the stock part, that is, for the non-standardized creditor's rights assets that have been invested before the issuance of the Notice, the CBRC stipulates that commercial banks should complete the risk-weighted asset measurement and capital withdrawal before the end of 20 13 in accordance with the requirements of the Capital Management Measures for Commercial Banks.

At the same time, in the incremental part, if the relevant requirements cannot be met, the commercial bank should immediately stop the relevant business until the specified requirements are met.