【正文】 銀監(jiān)會全稱中國銀行業(yè)監(jiān)督管理委員會（chinabankingregulatorymission，cbrc） 中國銀行業(yè)監(jiān)督管理委員會簡稱中國銀監(jiān)會。toaddresstherisksassociatedwithrealestateloans，bankswererequiredtoadoptdifferentiatedcreditpoliciesforresidentialmortgages，whiletakingpreemptivemeasurestomitigatetheirexposurestohighriskpropertydevelopers. inaddition，thecbrccontinuedtoremaintoughinbatingbankingcrimesandfrauds，andto addressthe“shadowbanking”，thecbrcmadeunswervingeffortstopromotetheimplementationofthe“threerulesandoneguidelines”，loansextendedinaccordancewiththenewrulesaccountedformorethan50percentofthetotalloansnewlydisbursed，whilebanks’provisioningcoverageratioreached218%. in2010，weplacedastrongeremphasisonaddressingtheissueofhowtoregulate，asetofnewrulesandguidelineswereissuedin2010withrespecttotheperformanceevaluationofbankdirectors，banks’pensationpractices，consolidatedsupervisionandmanagement，countryriskmanagement，externalauditing，etc..onthefrontofsupervisorycapacitybuilding，wecontinuedtoenrichoursupervisorytoolkit，upgradethesupervisoryinformationsystem，conductsystematicreviewandimprovementofourroutinesupervisorypracticesoflicensing，anewprudentialsupervisoryframeworkhaslargelytakenshape，featuringthebinationofbothmacroandmicroprudentialsupervisionandgivingdueconsiderationstobothinternationallyprevailingpracticesandchina’，wealsoformulatedmediumtolongtermstrategiesforfurtherimprovingthesupervisoryeffectiveness，togetherwithclearandcutroadmapsfortheconcurrentimplementationofbaseliiandbaseliiiinchina. externally，（fsap），thecbrcsuccessfullyhostedsupervisorycollegesfortwoofchina’slargestmercialbanks，thecbrchassignedmemorandumofunderstandings（mous）orotherformsofagreementsonbilateralbankingsupervisionwithitssupervisorycounterpartsin42countries，therebyactivelyengagingincrossbordersupervisorycooperationandinformationexchange. sincetheinceptionofthecbrc，particularlyduringtheeleventhfiveyearplanperiod，china’sbankingsectorsuccessfullywithstoodvariousplicatedanddauntingchallenges，theexperienceswehavegainedduringtheprocessareevenmorevaluable. ，thecbrcsetoutthesupervisoryphilosophyof“conductingconsolidatedandriskbasedsupervision，focusingonriskmanagementandinternalcontrols，andenhancingtransparency”.withsuchphilosophyinmind，thecbrchasdevelopedaroadmapforongoingsupervision，.“accurateloanclassification，sufficientlossprovisioning，appropriatewriteoffs，acceptableprofitabilityandadequatecapital”.forthesupervisionoffinancialinnovationactivities，thecbrcspecificallysetforthsupervisoryphilosophyof“riskscontrollable， costsaccountableandinformationfullydisclosed”. ，bankinginstitutionsarerequiredtoescalatetheirowndevelopmentwhileholdingonfirmlytoriskcontrols，henceachievingaqualitydevelopmentandrealpetence. ，thecbrchasbeenconstantlyupgradingitssupervisorytoolkitwhichprisesasetofbasicandeffectivesupervisorytools，whileexploringvariousnewmethodsandapproachestoenhancethesupervisoryeffectiveness. ，andpostassessmentiscond