Banks are divided into four major categories according to the capital adequacy ratio, and are subject to varying levels of supervision and regulation relative to their category. The Measures also refer to the risk classification and supervision and regulation methods described in Basel II, assume Basel III macro-level supervision and regulation guidelines, and clearly define reserve capital requirements and countercyclical capital requirements for the first time. Moreover, the Measures demonstrate a practical application of exercising discretion in making adjustments on the basis of real circumstances to risk weights for loans involved in areas such as railway and highway infrastructure (“railway and highway infrastructure”), financing platforms, term adjustments and real estate. Finally, while reflecting the de facto risks of bank assets, the Measures also take into account domestic regulation and control policies that, for example, set different risk weights for a primary residence and a second home. Looking forward to 2012, Basel III will have little further impact on the banking industry of China. Banks in China have basically reached the standard, and are still actively raising funds to supplement their capital. According to Moody’s, multiple indexes such as the capital adequacy ratio for the banking industry of China has reached the requirements as described in Basel Accord III. While assets are growing, domestic commercial banks have achieved sound profit ratios. Capital levels are elevated, and all banks exceed the 8 percent supervisory and regulatory requirement.
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