TITLE:
Analyze the Impact of MPA System on Current Commercial Banks
AUTHORS:
Chaoqi Wang
KEYWORDS:
Macro Prudential Assessment, Regulatory, Impact
JOURNAL NAME:
Modern Economy,
Vol.8 No.4,
April
7,
2017
ABSTRACT: Since 2016, the People’s Bank of China (PBOC) had
adjusted the dynamic adjustment of discretionary reserve and the loan
management mechanism which were implemented since 2011, to macro prudential
assessment (MPA), in
order to manage the diverse and complex asset of the financial sector fully and
effectively, and strengthen the counter-cyclical adjustment of monetary policy,
further improve the macro-prudential policy framework to guard against systemic
risks and ensure the stability of the financial system. This paper will
introduce the macro-prudential assessment system of the central bank, and then
combine the system indicators to understand the impact of the system on the
commercial banking business, in the research process mainly used literature
analysis, historical research, comparative research, inductive analysis and
other research methods, through the study we found that the implementation of
macro-prudential assessment system conforms to the development trend of China’s
financial industry, and will help to grasp the real risks of banks and promote
the stability of the financial system.