powerpoint下載中國人民銀行(ppt)(編輯修改稿)
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【文章內(nèi)容簡介】 iew的57個國家中的53個國家采用〕； offsite supervision (49 countries out of 57)。 非現(xiàn)場監(jiān)測(57個國家中的49個采用〕； control credit risk concentration. 控制信貸風險的集中(j237。zhōng)。 In addition, CRs favor competition and may help preventing the establishment of dominant positions in the banking market and in that of credit information. 此外，信用登記鼓勵競爭并將有助于防止銀行市場和信貸信息上支配力量的形成。,第八頁，共二十頁。,CR amp。 Risk Based Supervision 信用登記(dēngj236。)與風險性監(jiān)管,The international trend toward a risk based bank supervision (i.e. an approach less based on administrative rules and more on a close monitoring of banks’ risk exposures) opens up a new role for CRs. 向風險性監(jiān)管(jiānguǎn)轉(zhuǎn)變的國際潮流使信用登記有了新作用。 Adequate credit risk databases for banks and bank supervisors are in fact a precondition for risk based regulation and supervision (together with adequate skills among bank supervisors, new effective monitoring procedures and sanctions). 向銀行和銀行監(jiān)管者提供的足夠的信貸信息數(shù)據(jù)實際上是風險性監(jiān)管的前提條件〔還包括：監(jiān)管者一定的能力，新的有效監(jiān)控程序和sanction)。,第九頁，共二十頁。,CR amp。 Risk Based Supervision 信用(x236。ny242。ng)登記與風險性監(jiān)管,The ongoing debate about the desirable bank capital regulation approach offer a useful example of the role that CR data may play in the definition of a risk based regulation in emerging countries. CR data may in fact help to solve a: 一直以來關(guān)于理想的銀行資本監(jiān)管方法的討論為信用登記數(shù)據(jù)在新興國家對風險性監(jiān)管的定義方面所起的作用提供了有用的例子。信用登記數(shù)據(jù)實際上將有助于解決一下問題： measurement problem: quantifying the VaR for a banking system without using complex models。 測算問題：不使用復雜的模型而能確定銀行體系風險價值的大??； policy problem: indicating how VaRs can be split among Capital and Loan Loss Reserves (an area where Basel 2 does not provide guidance). 政策問題：指出風險價值在資本和貸款損失準備(zhǔnb232。i)之間是如何劃分的〔新巴賽爾協(xié)議未涉及此問題〕,第十頁，共二十頁。,CR amp。 Bank Capital Regulation 信用(x236。ny242。ng)登記與銀行資本金監(jiān)管,Recent research at the World Bank (Majnoni, Miller, Powell, 2004) shows that countries with CRs, may apply simple statistical techniques to: 世界銀行最近研究(Majnoni, Miller, Powell, 2004)說明，實行信用登記的國家可能采用(cǎiy242。ng)簡單的統(tǒng)計技巧進行如下操作： Visualize the distribution of Credit Losses and the VaR without incurring into model or estimation errors. 將信貸損失和風險價值的分布
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