【中英文对照版】银行业金融机构国别风险管理办法.docx

国家金融监督管理总局关于印发 银行业金融机构国别风险管理 办法的通知(金规(2023) 12 号)各监管局，各政策性银行、大型 银行、股份制银行、外资银行、 直销银行、金融资产管理公司：现将银行业金融机构国别风险 管理办法印发给你们，请遵照 执行。银行业金融机构国别风险管理办法MeasuresforCountryRiskManagementofBankingFinancialInstitutions制定机关：国家金融监督管理总局发文字号：金规202312号公布日期：2023.11.24施行日期：2023.11.24效力住阶：部门规范性文件法规类别：金融机构IssuingAuthority：NationalAdministrationofFinancialRegulationDocumentNumber：No.12(2023oftheStateAdministrationforFinancialRegulationDateIssued：11-24-2023EffectiveDate:11-24-20231.evelofAuthority:DepartmentalRegulatoryDocumentsAreaofLaw：FinancialInstitutionsNoticebytheStateAdministrationforFinancialRegulationofIssuingtheMeasuresforCountryRiskManagementofBankingFinancialInstitutions(No.122023oftheStateAdministrationforFinancialRegulation)AlllocalofficesoftheStateAdministrationforFinancialRegulation;andallpolicybanks,large-scalebanks,joint-stockbanks,foreign-fundedbanks,directbanksandfinancialassetsmanagementcompanies:TheMeasuresforCountryRiskManagementofBankingFinancialInstitutionsareherebyissuedforyourcomplianceandimplementation.StateAdministrationforFinancialRegulation国家金融监督管理总局November24,2023MeasuresforCountryRiskManagementofBankingFinancialInstitutionsChapter I GeneralProvisionsArticle1Forthepurposeofstrengtheningthecountryriskmanagementofbankingfinancialinstitutions,theseMeasuresaredevelopedinaccordancewiththeBankingSupervisionLawofthePeople'sRepublicofChina,theLawofthePeople'sRepublicofChinaonCommercialBanks,andotherrelevantlawsandadministrativeregulations.Article2ForthepurposeoftheseMeasures,ubankingfinancialinstitutions,*refertocommercialbanks,ruralcreditcooperativesandotherfinancialinstitutionstakingpublicdeposits,andpolicybanksformedintheterritoryofthePeople'sRepublicofChina.Article3ForthepurposeoftheseMeasures,thetermucountryriskreferstotherisksthatmakedebtorsofacountryorregionbeunableorrefusetopaydebtsofbankingfinancialinstitutions,thatmakethecommercialpresenceofthebankingfinancialinstitutionsinthatcountryorregionsufferslosses,orthatmakebankingfinancialinstitutionssufferotherlossesduetopolitical,economicandsocialchangesandeventsinacountryorregion.2023年11月24日银行业金融机构国别风险管理办 法第一章总则第一条为加强银行业金融 机构国别风险管理，根据中华 人民共和国银行业监督管理法 中华人民共和国商业银行法 以及其他有关法律和行政法规， 制定本办法。第二条本办法所称银行业 金融机构是指在中华人民共和国 境内依法设立的商业银行、农村 信用合作社等吸收公众存款的金 融机构以及政策性银行。第三条本办法所称国别风 险，是指由于某一国家或地区政 治、经济、社会变化及事件，导 致该国家或地区债务人没有能力 或者拒绝偿付银行业金融机构债 务，或使银行业金融机构在该国 家或地区的商业存在遭受损失， 或使银行业金融机构遭受其他损 失的风险。国别风险可能由一国或地区经济Countryrisksmaybetriggeredbydeterioratingeconomicconditions,politicalandsocialunrest,nationalizationorexpropriationofassets,refusaltomakepaymentofexternaldebtsbythegovernment,exchangecontrolordevaluationofcurrencyinacountryorregion.Themaintypesofcountryrisksincludetransferrisk,sovereignrisk,contagionrisk,currencyrisk,macroeconomicrisk,politicalrisk,andindirectcountryrisk(seeAnnex1fordetails).Article4ForthepurposeoftheseMeasures,countriesorregionsrefertodifferentjurisdictionsoreconomies.Article5ForthepurposeoftheseMeasures,countryriskexposurenreferstoalltheon-and-off-balance-sheetriskexposureofbankingfinancialinstitutionsarisingfromoverseasbusiness,includingon-balance-sheetbusinesssuchasoverseasloans,interbankdeposits,depositwithoverseascentralbanks,reversepurchase,interbankloans,overseasportfolioinvestmentandotheroverseasinvestments,aswellasoff-balance-sheetbusinesssuchasguaranteeandcommitment.ForthepurposeoftheseMeasures,umajorcountryriskexposure1*referstothecountryriskexposurethatexceeds25%ofthenetcapitalofabankingfinancialinstitutiongroupinasinglecountryorregion.状况恶化、政治和社会动荡、资 产被国有化或被征用、政府拒付 对外债务、外汇管制或货币贬值 等情况引发。国别风险的主要类型包括转移风 险、主权风险、传染风险、货币 风险、宏观经济风险、政治风险 以及间接国别风险（详见附件 1） O第四条本办法所称国家或 地区，是指不同的司法管辖区或 经济体。第五条本办法所称国别风 险暴露，是指银行业金融机构因 境外业务形成的所有表内外风险 暴露，包括境外贷款、存放同 业、存放境外中央银行、买入返 售、拆放同业、境外有价证券投 资和其他境外投资等表内业务， 以及担保、承诺等表外业务。本办法所称重大国别风险暴露， 是指对单一国家或地区超过银行 业金融机构集团资本净额25%的 国别风险暴露。第六条本办法所称风险转 移是指境外债务人通过风险转移手段将银行业金融机构持有境外 债权的国别风险部分或全部转移Article6ForthepurposeoftheseMeasures,urisktransferMreferstothebehaviorofoverseasdebtorstransferringthecountryrisksofoverseasclaimsheldbybankingfinancialinstitutionsbyrisktransfermeans,inwholeorinpart.Specifically,itincludeslegallybindingguarantees,insurance,creditderivatives,andqualifiedcollateralsprovidedbythirdparties.Thecountryriskratingofthecountryorregionofthetransfereemustbesuperiortothecountryriskratingoftheoverseasdebtortransferringthecountryrisk.Article7ForthepurposeoftheseMeasures,"countryriskreserve"referstothereserveaccruedbybankingfinancialinstitutionsunderowners*equityforthepurposeofabsorbingunexpectedlossescausedbycountryrisks.Article8Abankingfinancialinstitutionshalleffectivelyidentify,measure,monitorandcontrolcountryrisks,andfullyconsidertheimpactofcountryriskswhenaccruingprovisionforassetsimpairmentinaccordancewiththerelevantprovisionsonenterprisefinancialaccounting.Article9Thebankingregulatoryinstitutionsshallsuperviseandinspectthecountryriskmanagementofbankingfinancialinstitutionsaccordingtothelaw,obtaincountryriskin