商业银行监管评级内部指引（试行）第一章总则.....................................................................2一、功能...........................................................................2二、适用范围...............................................................2第二章评级要素.........................................................2一、资本充足状况（CAPITALADEQUACY）...2（一）定量指标：................................................2（二）定性因素：................................................2二、资产质量状况（ASSETQUALITY）............3（一）定量指标：................................................3（二）定性因素：................................................3三、管理状况（MANAGEMENT）...........................3（一）银行公司治理状况：........................3（二）内部控制状况：....................................3四、盈利状况（EARNINGS）.................................3（一）定量指标：................................................3（二）定性因素：................................................3五、流动性状况（LIQUIDITY）...........................3（一）定量指标：................................................3（二）定性因素：................................................4六、市场风险状况（SENSITIVITYTOMARKETRISK）.............................................................................................4（一）定量指标：................................................4（二）定性因素：................................................4七、评级结果...............................................................4（一）单项要素的评级。..............................4（二）综合评级。................................................4八、其他因素（OTHERS）....................................4第三章评级操作规程和职责分工...............5一、收集信息...............................................................5二、初评...........................................................................5三、复评...........................................................................5四、审核...........................................................................6五、评级结果反馈...................................................6第四章评级结果的运用.......................................6一、监管评级结果应当作为衡量商业银行风险程度的依据............................................................6二、监管评级结果应当作为监管规划和合理配置监管资源的主要依据..............................7三、监管评级结果应当是监管机构采取监管措施和行动的主要依据....................................7四、评级结果的披露和保密...........................7第五章附则.....................................................................7附件6.4商业银行监管评级结果一览表...11附件6.5商业银行监管评级定量和定性评价标准................................................................................................16第一章总则为健全和完善商业银行的风险监管体系，实现对商业银行的持续监管、分类监管和风险预警；为推行同质同类银行比较和差别监管模式，逐步统一同质同类银行的监管标准，进一步规范监管评级工作，对中国银行业监督管理委员会（以下简称银监会）现行的评级体系进行整合、修订和完善，依据我国现行的银行监管法律、法规和部门规章，借鉴国际通用的“骆驼（CAMEL）评级体系”，广泛吸收英国、新加坡和香港等国家地区监管机构关于监管评级的良好做法，并充分结合我国的具体实践，制定本指引。一、功能（一）有利于监管机...
