Analyze the Impact of MPA System on Current Commercial Banks
- 1 School of Economies, Jinan University, Guangzhou, China
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.
- Yin, Z.T. (2016) The Origin of the Macro-Prudential Assessment System. Financial View, 2, 36.
- Kang, H.F. (2016) The Recognize of China’s Macro-Prudential Assessment System. Financial Accounting, 4, 65-71.
- Zheng, L.S. and Yang, X.C. (2016) The Countermeasures of Commercial Banks to Deal with Macro-Prudential Assessment System. The Chinese Banker, 6, 57-59.
- Chen, S.M. and Xu, J. (2016) Impact of MPA on the Incentine Mechanism of Small Financial Institutions. Chinese Banker, 12, 135-136.
- Zeng, G. (2016) Macro-Prudential Assessment System for Small and Medium-Sized Banks. Modern Bankers, 5, 60-61.
- Shang, X. and Zheng, G.Q. (2016) Enlightenment of Macro Prudential Assessment and Supervisory Rating on Improving Deposit Insurance Risk Rating. Financial Development Review, 4, 136-141.
- Zhang, Q. (2016) Macro-Prudential Assessment Mechanism and Coping Strategies of Commercial Banks. Hainan Finance, 10, 32-36.