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The latest "Basel Ⅲ" proposed draft in 2009 , and in just a year's time to get the final pass , and will be the next in November 2010 in Seoul, Korea at the G20 summit to obtain formal approval. Agreement following major elements:

普通股权益/风险加权资产从2% 提高到4.5% ，核心资本充足率最低要求从4%提高到6%，这一规定达标的时间是2015年，在最低要求之上还可以增加2.5%普通股权益的反周期缓冲。

Common equity / risk-weighted assets increased from 2% to 4.5 %, core capital adequacy ratio of the minimum requirement from 4% to 6% , this provision compliance is 2015 , above the minimum requirement of 2.5% can also increase the ordinary equity countercyclical buffer .

此外，核心资本充足率达到6%的标准、但低于7%的银行，应执行较为谨慎的利润留存政策。对于有系统性影响的重要银行，应该有更大的损失吸收能力，会有更高的充足率标准，具体方案目前还在讨论中。

In addition, the core capital adequacy ratio of 6 % of the standard , but less than 7 % of the bank , you should perform a more cautious policy of retained profits . For major banks systemic effects , there should be a greater loss absorption capacity , there will be a higher adequacy standards , the specific program is currently still under discussion .

Transition time : 1 January 2013 to reach milestones , common equity / risk-weighted assets increased to 3.5 %, core capital adequacy ratio reached 4.5% , adequacy ratio of 8% . Since then, every year common equity / risk-weighted assets and core capital adequacy ratio in 2013 increased 0.5 basis points. Counter-cyclical buffer adequacy requirement is from 2016 , the annual increase 0.625% , four years to reach the level of 2.5% .

"Basel Ⅲ" in recent decades for the largest field of banking supervision reform . Central banks and regulatory authorities hope that these reforms can induce banks to reduce high-risk business , while ensuring that banks hold adequate reserves , can not rely on government assistance alone cope with possible future financial crises.

Currently, China's banking regulator has been set by the regulatory requirements can override the " Basel III" requirements, but most banks already meet these requirements. 2010 mid-year report data show that China 's large and medium banks' capital adequacy rate of over 10% , core capital adequacy rate was above 8% , the average coverage ratio of more than 150%. Therefore, the domestic commercial banks , the new banking regulations are not obvious .

After the introduction of the new Basel Accord , the CBRC will continue to adhere to good practice effective regulatory capital , regulatory capital draw on the achievements of reform , adjust and improve the domestic bank capital regulatory regime ( including the number of standards, quality standards , timelines, regulatory means etc. ) , to enhance the effectiveness of capital regulation , maintain long-term stable operation of the banking system .

Of the relevant regulatory authorities and the international departments to communicate more often introduce the latest regulatory philosophy and measures , the CBRC will be based on "Basel Ⅲ" some indicators to strengthen liquidity management of banks . Basel Committee relaxed attitude will certainly affect the attitude of the CBRC , ease market concerns about policy tightening banking supervision .

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