4、改善营业网点的环境，让客户更加舒适
How to improve the quality of banking services?
1、Changes the business philosophy of customer-centric rather than product-centric. 2、Emphasis on employee training, both the operating capacity and the service attitude.
3、Implement the scientific and rational evaluation system to include quality of service, and allow customers to evaluate quality
4、Improve the environment of the outlets to make customers more comfortable
About CBRC
China Banking Regulatory Commission
The main functions of the CBRC 银监会主要职能
Formulate supervisory rules and regulations governing the banking institutions; 依照法律、行政法规制定并发布对银行业金融机构及其业务活动监督管理的规章、规则； Authorize the establishment, changes, termination and business scope of the banking institutions;
依照法律、行政法规规定的条件和程序，审查批准银行业金融机构的设立、变更、终止以及业务范围
Conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;
对银行业金融机构的业务活动及其风险状况进行现场检查，非现场监管，处置违规行为 Conduct fit-and-proper tests on the senior managerial personnel of the banking institutions;
对银行业金融机构的董事和高级管理人员实行任职资格管理
Compile and publish statistics and reports of the overall banking industry in accordance with relevant regulations:
负责统一编制全国银行业金融机构的统计数据、报表，并按照国家有关规定予以公布 Provide proposals on the resolution of problem deposit-taking institutions in consultation with relevant regulatory authorities; 与相关监管机构共同协商处理有问题的存款机构 Responsible for the administration of the supervisory boards of the major State-owned banking institutions; and Other functions delegated by the State Council;
负责国有重点银行业金融机构监事会的日常管理工作；承办国务院交办的其他事项
The supervisory focuses of the CBRC
Conduct consolidated supervision to assess, monitor and mitigate the overall risks of
each banking institution as a legal entity;
必须坚持法人监管,重视对每个金融机构总体风险的把握、防范和化解;
Stay focused on risk-based supervision and improvement of supervisory process and methods;
必须坚持以风险为主的监管内容,努力提高金融监管的水平,改进监管的方法和手段; Urge banks to put in place and maintain a system of internal controls: 必须注意促进金融机构风险内控机制形成和内控效果的不断提高:
enhance supervisory transparency in line with international standards and practices?? 必须按照国际准则和要求,逐步提高监管的透明度
The regulatory objectives of the CBRC银监会监管的工作目的
a. Protect the interests of depositors and consumers through prudential and effective supervision;通过审慎有效的监管,保护广大存款人和消费者的利益
b. Maintain market confidence through prudential and effective supervision;通过审慎有效的监管,增进市场信心
c. Enhance public knowledge of modern finance though customer education and information disclosure;通过宣传教育工作和相关信息披露，增进公众对现代金融的了解 d. Combat financial crimes.努力减少金融犯罪
The supervisory and regulatory criteria of the CBRC 银监会的监管标准
b. Promote the financial stability and facilitate financial innovation at the same time;良好监管要促进金融稳定和金融创新共同发展
b. Enhance the international competitiveness of the Chinese banking sector;要努力提升我国金融业在国际金融服务中的竞争力;
c. Set appropriate supervisory and regulatory boundaries and refrain from unnecessary controls;对各类监管设限要科学、合理,有所为,有所不为,减少一切不必要的限制
d. Encourage fair and orderly competition;鼓励公平竞争、反对无序竞争
e. Clearly define the accountability of both the supervisor and the supervised institutions;
对监管者和被监管者都要实施严格、明确的问责制
f. Employ supervisory resources in an efficient and cost-effective manner.要高效节约地使用 一切监管资源
金融词汇：
审慎经营规则 prudential management rule 风险集中 risk concentration
资产流动性 liquidity of asset 损失准备金 loss reserve 存款人 depositor
银行业金融机构 banking institution 现场检查 on-site examination 非现场监管 off-site surveillance 监事会 supervisory boards 风险监管 risk-based supervision 内部控制 a system of internal controls
审慎有效的监管 prudential and effective supervision 信息披露 information disclosure 金融犯罪 financial crisis 民间借贷 private lending 影子银行 shadow banking 敏感性分析 sensitivity analysis 压力测试 stress testing 情景分析 scenario analysis
关键风险指标 key risk indicators，KRIs 间接融资 indirect financing 巴塞尔委员会 the Basel Committee 巴塞尔协议III Basel III
资本充足率 capital adequacy ratio 杠杆率 leverage ration 流动性 liquidity
贷款损失准备 loan loss provisions 系统性风险 system risk
逆周期宏观审慎监管要求 countercyclical macroprudential regulatory requirements 政策性银行 policy bank
国有商业银行 State-owned commercial bank 股份制银行 joint stock commercial bank
中国邮政储蓄银行 the Postal Savings Bank of China 信托公司 tthe trust companies,
企业集团财务公司 enterprise group finance companies 金融租赁公司 financial leasing companies 国际活跃银行 internationally active banks 系统性重要银行 systemically important banks 基础货币 monetary base 存款准备金率 deposit reserve ratio
再贴现再贷款 rediscount rate 公开市场操作 open market operations 优惠利率 preferential interest rate 窗口指导 window guidance 道义劝告 moral suasion
违规概率 PD，probability of default 违规损失率 LGD，loss given default 违约风险暴露 EAD， exposure at default 期限 maturity
《第三版巴塞尔协议》确立了微观审慎和宏观审慎相结合的金融监管新模式，大幅度提高了商业银行资本监管要求，建立全球一致的流动性监管量化标准，将对商业银行经营模式、银行体系稳健性乃至宏观经济运行产生深远影响。
Basel III has established a new financial regulatory model with combination of micro-prudence and macro-prudence., which greatly increased the capital regulatory requirements for commercial banks, and to establish globally consistent quantitative standards for liquidity supervision will have profound impacts on the business model of commercial banks, stability of the banking system and even the macroeconomic operation.
推动中国银行业实施国际新监管标准，增强银行体系稳健性和国内银行的国际竞争力
push forward China's banking sector's implementation of the new international regulatory standards, enhance the stability of the banking system and the international competitiveness of domestic banks
借鉴国际金融监管改革成果，根据国内银行业改革发展和监管实际，构建面向未来、符合国情、与国际标准接轨的银行业监管框架，推动银行业贯彻落实“十二五”规划纲要，进一步深化改革，转变发展方式，提高发展质量，增强银行业稳健性和竞争力，支持国民经济稳健平衡可持续增长。
We shall draw on international achievements in the reform of financial supervision, establish a regulatory framework for the banking sector which faces the future, complies with national conditions and meets international standards according to the reform and development as well as regulatory actualities of China's banking sector, push forward the banking sector's implementation f the outlines of the “Twelfth Five-year Plan”, further deepen the reform, transform the development pattern, improve the quality of development, and enhance the stability and competitiveness of the banking sector to support the stable, balanced and sustainable growth of the national economy.
宏观审慎监管与微观审慎监管有机结合。统筹考虑我国经济周期及金融市场发展变化趋势，科学设计资本充足率、杠杆率、流动性、贷款损失准备等监管标准并合理确定监管要求，体现逆周期宏观审慎监管要求，充分反映银行业金融机构面临的单体风险和系统性风险