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Notice of the China Banking Regulatory Commission on Relevant Issues concerning Regulating the Investment Operation of Wealth Management Business of Commercial Banks
[Expired]
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中国银监会关于规范商业银行理财业务投资运作有关问题的通知
[失效]
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【法宝引证码】
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Notice of the China Banking Regulatory Commission on Relevant Issues concerning Regulating the Investment Operation of Wealth Management Business of Commercial Banks
(No. 8 [2013] of the China Banking Regulatory Commission)
All local offices of the China Banking Regulatory Commission (“CBRC”); all policy banks, state-owned commercial banks, and joint-stock commercial banks; Postal Savings Bank of China:
Recently, with rapid growth of the wealth management funds of commercial banks that are invested in the business of “non-standardized debt assets” directly or indirectly through non-bank financial institutions and asset trading platforms, some banks have certain problems in the business development, such as avoiding loan administration and failing to isolate investment risks in a timely manner. For the purpose of effectively preventing and controlling risks and promoting the sound development of related business, you are hereby notified of relevant matter as follows:
| | 中国银监会关于规范商业银行理财业务投资运作有关问题的通知
（银监发[2013]8号）
各银监局，各政策性银行、国有商业银行、股份制商业银行，邮政储蓄银行：
近期，商业银行理财资金直接或通过非银行金融机构、资产交易平台等间接投资于“非标准化债权资产”业务增长迅速。一些银行在业务开展中存在规避贷款管理、未及时隔离投资风险等问题。为有效防范和控制风险，促进相关业务规范健康发展，现就有关事项通知如下：
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I. “Non-standardized debt assets” refer to the debt assets which are not traded in the interbank market or the stock exchange market, including, but not limited to: credit assets, trust loans, entrustment credit rights, acceptance bills, letters of credit, accounts receivable, various beneficial interests (or rights to income), and equity financing with a buy-back clause.
| | 一、非标准化债权资产是指未在银行间市场及证券交易所市场交易的债权性资产，包括但不限于信贷资产、信托贷款、委托债权、承兑汇票、信用证、应收账款、各类受（收）益权、带回购条款的股权性融资等。
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II. A commercial bank shall ensure that each wealth management product is linked to the underlying assets (subject matter) in which it is meant to invest, and is separated from other wealth management products in terms of management, account opening and accounting. “Separate management” means the independent investment management for each wealth management product; “separate account opening” means that the detailed accounts for investment shall be established for each wealth management product to ensure that a breakdown of investment assets is clear and definite; “independent accounting” means that each wealth management product is subject to separate accounting treatment so as to ensure that each wealth management product has its balance sheet, income statement, cash flow statement and other financial statements.
．．．．．． | | 二、商业银行应实现每个理财产品与所投资资产（标的物）的对应，做到每个产品单独管理、建账和核算。单独管理指对每个理财产品进行独立的投资管理；单独建账指为每个理财产品建立投资明细账，确保投资资产逐项清晰明确；单独核算指对每个理财产品单独进行会计账务处理，确保每个理财产品都有资产负债表、利润表、现金流量表等财务报表。
对于本通知印发之前已投资的达不到上述要求的非标准化债权资产，商业银行应比照自营贷款，按照《商业银行资本管理办法（试行）》要求，于2013年底前完成风险加权资产计量和资本计提。
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