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...
