商业银行监管评级定量和定性评价标准一、资本充足(CapitalAdequacy)......................................................................................4(一)定量指标(50分)..............................................................................................41.资本充足率(40%).....................................................................................................42.一级资本充足率(20%).............................................................................................43.核心一级资本充足率(10%).....................................................................................44.杠杆率(30%)............................................................................................................5(二)定性因素(50分)..............................................................................................61.银行资本质量和构成(8分)....................................................................................62.银行整体财务状况及对资本的影响(8分)............................................................63.银行资产质量及拨备计提情况(8分)....................................................................74.银行资本补充能力(10分)......................................................................................75.银行资本管理情况(8分)........................................................................................86.银行监管资本的风险覆盖和风险评估情况(8分)................................................9二、资产质量(AssetQuality)...........................................................................................11(一)定量指标(40分)............................................................................................111.不良贷款率(20%)...................................................................................................112.逾期90天以上贷款与不良贷款比例(15%)........................................................113.单一客户贷款集中度/单一集团客户授信集中度(25%)...................................114.全部关联度(15%)...................................................................................................125.拨备覆盖率(25%).................................................................................................12(二)定性因素(60分)............................................................................................131.不良贷款和其他不良资产的变动趋势(10分)....................................................132.信用风险资产集中度(5分)..................................................................................133.信用风险管理的政策、程序及其有效性(15分)................................................144.贷款风险分类制度的完善和有效(10分)............................................................155.保证贷款和抵(质)押贷款及其管理状况(5分)..............................................166.贷款以外其他表内外资产的风险管理状况(15分)............................................17三、管理质量(ManagementQuality)...............................................................................18(一)银行公司治理(40分)....................................................................................181.决策机制(10分)....................................................................................................182....