银行业有效监管的核心原则参照.pdfVIP

Core Principles for Effective Banking Supervision Basle Committee on Banking Supervision Basle September 1997 Table of Contents Foreword 1 The twenty-five Principles 4 Section I Introduction 8 Section II Preconditions for Effective Banking Supervision 11 Section III Licensing Process and Approval for Changes in Structure 15 A. Ownership structure 16 B. Operating plan, systems of control and internal organisation 17 C. Fit and proper test for directors and senior managers 17 D. Financial projections including capital 18 E. Prior approval from the home country supervisor when the 18 proposed owner is a foreign bank F. Transfer of a banks shares 19 G. Major acquisitions or investments by a bank 19 Section IV Arrangements for Ongoing Banking Supervision 20 A. Risks in Banking 20 B. Development and Implementation of Prudential Rules and 22 Requirements 1. Capital adequacy 23 2. Credit ri