Following the first day after the announcement March 13 the State Council reform plan, announced the merger and the establishment of (,) after the Insurance Regulatory Commission (hereinafter referred to as "silver CIRC"), this new body of leadership are the "two sessions" end formally identified。
  March 21, the former China Insurance Regulatory Commission and China Banking Regulatory Commission related to the former leaders held a meeting in the office building of the original CBRC, CIRC announced the matters related to the establishment of silver。
Securities Times reporter learned that, at the meeting, announced by the Central Organization Department, responsible person, silver CIRC leadership's first born, former Chairman of China Banking Regulatory Commission CIRC silver as the first chairman, former vice chairman of China Banking Regulatory Commission four and three former vice chairman of China Insurance Regulatory Commission silver as the deputy chairman of the China Insurance Regulatory Commission, China Banking Regulatory Commission former discipline inspection team leader Li pleased to as silver CIRC's first discipline inspection team leader。 So far, China Insurance Regulatory Commission to form silver "1 7 1 positive discipline inspection team leader," the pattern of nine leadership。   In addition, the meeting also announced the establishment of several working groups to study specific embodiments of the next restructuring, including the "three" (set functions, statutory body and given preparation) program。   "1 7 1 positive discipline inspection team leader," the CBRC leadership pattern of internal restructuring and consolidation triggered by the China Insurance Regulatory Commission is top-down, the leadership of the new organization to determine subsequent adjustments agencies and departments will have Preface expand。
  At 2:21 on March afternoon about 40 minutes, the Securities Times reporter at the door to see China Banking Regulatory Commission, China Banking Regulatory Commission Chairman Guo Shuqing original appeared in the original CBRC door, greet the Central Organization Department, responsible person to come, and then the two together into the CBRC office。     Around 3 pm, the former China Banking Regulatory Commission and China Insurance Regulatory Commission related to the former leaders attended the meeting held in the conference room 302 of the original CBRC, responsible person at the Central Organization Department announced the establishment of China Insurance Regulatory Commission silver, and declared the former Banking Regulatory Commission Chairman Guo Shuqing as silver CIRC's first party secretary, chairman。   China Banking Regulatory Commission and China Insurance Regulatory Commission former original seven have served as vice chairman of China Insurance Regulatory Commission silver party member, Deputy Chairman。 Wherein the first former Deputy Vice-ranked CBRC Zhaoxing silver CIRC, Chen Wenhui former Vice-ranked second CIRC CIRC Vice-silver。 CBRC former discipline inspection team leader Li pleased to as silver CIRC Party committee member, discipline inspection team leader, the former China Insurance Regulatory Commission inspection team leader Lin Guohui he is otherwise。
So far, China Insurance Regulatory Commission to form silver "1 7 1 positive discipline inspection team leader," the pattern of nine leadership。   The meeting also announced the establishment of several working groups to study specific embodiments of the next restructuring, including the "three" (set functions, statutory body and given preparation) program。
  Around 15:30, silver China Insurance Regulatory Commission Chairman Guo, Vice Chairman Wang Zhaoxing appeared together in front of the former China Banking Regulatory Commission, the Central Organization Department The official bid farewell to the participants to come。     What may change the larger department?  Founded silver CIRC, meaning that a 15-year run of the China Banking Regulatory Commission and China Insurance Regulatory Commission became the 20-year history, "line 3 will be" financial regulatory landscape so far become a "line of two sessions"。   Currently the former China Insurance Regulatory Commission and China Banking Regulatory Commission office in front of the original strip cards yet to take off, but the Securities Times reporter learned that the two brands will be off nearly two days and the "Bank of China Insurance Regulatory Commission," the new strip licensing or formally later this month。
  As for the internal structure, how to adjust the personnel arrangements after the two financial regulators concerned about the outside world combined, it is the task of the working group focused on the next day it was announced the establishment of the。 According to the new financial reports, Guo Shuqing statement at the meeting, will be orderly way to form a new organization of work, do a good job-related transfer functions, in accordance with "fair, just, career-oriented" principle, based on the actual needs, arrange cadres。
  Although there is no definite conclusion on how restructuring, but the former two ministries in their respective departments, you may be able to find some clues。   Internal CBRC has 28 departments, the CIRC has 15 functional institutions and two institutions, while two ministries across the country are equipped with the agency, namely local Authority。
  China Banking Regulatory Commission's 28 departments, including: General Office, Policy Research Office, Bureau of prudential regulation, on-site inspection bureau, Regulatory Affairs, Inclusive Finance Ministry letter by the Ministry of Innovation, Consumer Protection Bureau, Banking Policy, the Ministry of large banks, joint-stock banking, city banking, rural finance, the Ministry, trust departments, non-silver portion, of the non-Office, Accounting Department, international Department, supervision Bureau, Ministry of personnel, the propaganda Department, Party Committee, Party School, systems union, central finance group Working Committee (League system), authorities service Center。   CIRC 15 functions of the body includes: General Office (Party Committee Office), Ministry of Development and Reform, Policy Research Office, Finance and Accounting Department (Ministry of solvency regulation), Insurance Bureau of Consumer Protection, Property Insurance Regulatory Department (Reinsurance Supervision Department), personal Insurance supervision Department, the insurance intermediary supervision department, supervision of insurance funds, the international Department (Hong Kong, Macao and Taiwan office), regulatory Affairs, statistics Department, audit Bureau of personnel, Ministry of Education (Party Committee organization Department), Party Committee propaganda Department (Party Committee United Front group Industry, including organs of the Party)。
Another two institutions, namely Training Center, authorities Service Center。   Not difficult to see, the two ministries have the same or similar functions of many departments, including the General Office, Policy Research Office / room and regulations the Department of Accounting, Consumer Protection Bureau, International Department, Audit Bureau, Ministry of Personnel, the Party Committee, etc.。
Integration or from these sectors in the first start。
  The China Banking Regulatory Commission and China Insurance Regulatory Commission within different departments set up, mainly from different regulatory objects。
  CBRC supervision Depending on the type of the object, volume, business set policy Banking Department, Ministry of large banks, joint-stock banks department, city banking, rural finance department, department of foreign banks, trust departments, the Bank and other departments; CIRC this classification relatively simple set of relevant departments only Department of insurance, life insurance department, agency and Treasury Department。
  These institutions and business regulatory authorities, due to the different regulatory objects, or remain。
However, do not rule out adjustments。
  One direction is set CIRC department may be close to the CBRC, such as setting small insurance firms Supervision Department, Ministry of Supervision and other foreign insurance firms。
During the two sessions this year, deputies have put forward the proposal to establish small regulatory authorities, the implementation of differentiated supervision of insurance companies。   "Guo type strong regulatory Tornado" will continue to say, outside of Guo served as the first chairman of the China Insurance Regulatory Commission silver Not surprisingly, known as "Reggie reform", he is also the highest in the previous voice。 Guo Shuqing performance of their duties in early March 2017, the CBRC Chairman, in its more than 380 days in charge of the China Banking Regulatory Commission, according to incomplete statistics, the rules and regulations of China Banking Regulatory Commission publicly released there 36, since the second half of last year, is formed every week five shall be a great press release convention。
Guo came to China Banking Regulatory Commission, also known as the outside world has brought a breath "Guo type strong regulatory whirlwind"。   "Guo transferred from the seat of the governor of Shandong, China Banking Regulatory Commission as chairman, and since then the curtain opened strong supervision, he is a staunch reformist treat severe financial regulatory attitude and resolutely for the regulatory authorities in charge。
"A banking observers say Beijing。
  Guo Shuqing has been more low-key, a public appearance or statement is not much, but every time the release of regulatory signals are very clear, relevant policies fall fairly quickly。 For example, he held office at the beginning of the CBRC Chairman of State Council Information Office in a press conference, at which says that chaos and risks of the banking sector, largely due to lack of supervision system。 'Bullpen shut the cat in "a sound regulatory system is not perfect。 To this end, the CBRC to promote the prevention of financial risks in the work plan, the work is an important regulatory system and practice flaws and deficiencies systematically organize, strengthen the system to effectively compensate for the regulatory short board。
  Then less than a month's time, the CBRC opened the curtain of strong regulatory, supervisory policies make all kinds of short board after another intensive introduction, wins the banking wealth management business, with industry practices and the shadow banking。   After the banking sector experienced a year of "iron fist" management, capital off the real to the imaginary contain the initial momentum。 Among them, special purpose vehicle investment growth on the basis of a substantial decline in the last year, the first negative growth year on year growth rate of only -%, dropped percentage points over last year。 Product balance trillion yuan, the growth rate down to 1%, down one percentage point over last year; which, with the scale of the financial industry continues to contract, compared with a net decrease of one trillion yuan last year。   Guo Shuqing recent public statements during the "two sessions", "minister channel", that time he stressed the need to continue to promote de-leveraging, especially to curb the excessive growth of household sector leverage。   Guo Shuqing said the bank is the main battlefield of the battle to guard against financial risks, big banks scale, emphasis To leverage to stabilize and reduce the corporate sector leverage as much as possible, reduce government departments leverage。
Leverage involves reducing corporate mergers and acquisitions, debt restructuring, financial restructuring, promoting a series of work。   Guo pointed out that the household sector leverage Chinese residents need to reduce, residents of the household sector is growing very fast, we vigilance is not enough。 "Households buy personal consumption, investment growth is very fast, which is very dangerous。 Because we are a high savings countries in the past and this is the great advantage, the advantage quickly, if the savings rate to borrow money than save money growth will also lose。 Therefore, the CBRC will drop lever as a very important aspect, continue to do this work。
"Said Guo Shuqing。
  The industry is widely expected, after the establishment of the silver CIRC will strengthen the capital constraints as the core banking and regulatory。
March 21 the same day, former CBRC official website also issued a new regulation "employees conduct banking financial institution management guidelines", in the post personnel required to sign labor contracts with the banking financial institutions, financial institutions, banking Dong (Li) thing other staff members, members of the board of supervisors and senior management, as well as banking and financial institutions employ or labor-sending agencies signed an agreement to engage in ancillary financial services are required to follow this "guide", risk-based, focusing on prevention practitioners misconduct credit risk induced, liquidity risk, operational risk and reputation risk and other risks。
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