1 附件1 商业银行监管评级定量和定性评价标准 一、资本充足(Capital Adequ acy ) ...................................................................................... 6 ( 一)定量指标( 50 分) ............................................................................................. 6 1.资本充足率( 40%) ................................................................................................... 6 2.一级资本充足率( 20%) ........................................................................................... 6 3.核心一级资本充足率( 10%) ................................................................................... 6 4.杠杆率( 30%) ........................................................................................................... 7 ( 二)定性因素( 50 分) ............................................................................................. 8 1.银行资本质量和构成( 8 分) .................................................................................... 8 2.银行整体财务状况及对资本的影响( 8 分) ............................................................ 8 3.银行资产质量及拨备计提情况( 8 分) .................................................................... 9 4.银行资本补充能力( 10 分) ...................................................................................... 9 5.银行资本管理情况( 8 分) ...................................................................................... 10 6.银行监管资本的风险覆盖和风险评估情况( 8 分) .............................................. 11 二、资产质量(Asset Qu ality ) ........................................................................................... 13 ( 一)定量指标( 40 分) ........................................................................................... 13 1.不良贷款率( 20%) ..........................................................................................