中国银行业监督管理委员会2012年报是中国银监会首次公开出版的年度报告，中、英文同时出版。《中国银行业监督管理委员会(附光盘2012)》主要报告了银行业金融机构发展情况及银监会在监督管理方面的重点内容。对银监会基本情况进行介绍，对2012年国内外的金融形势和银行业金融机构的发展情况进行分析；对2012年银监会的监管工作、监管能力建设、信息披露和社会责任等相关情况进行了详细的介绍；对2013年的金融形势和监管工作进行了展望。本书由中国银行业监督管理委员会办公厅编著。

Chairman's Statement

About the CBRC

Ⅰ. Our mandates, objectives & missions

Ⅱ. Our philosophy, approach & criteria

Ⅲ. Code of conduct

Ⅳ. Management

Ⅴ. International Advisory Council (IAC)

Ⅵ. Organizational structure

Part One Economic & Banking Developments

Ⅰ. Macroeconomic and financial environment

Ⅱ. Latest developments of China's banking sector

Part Two Banking Reform and Development

Ⅰ. Reform and transformation of the banking sector

Ⅱ. Latest developments in the opening-up of the banking sector

Ⅲ. Financial innovation Thematic Column 1: Introduction of private capital into the banking sector

Part Three Improvement of Financial Services for Real Economy

Ⅰ. Supporting key areas

Ⅱ. Enhancing financial services for SMEs

Ⅲ.Improving rural financial servicesThematic Column 2: "Three Major Projects" launched

Ⅳ. Promoting balanced regional development

Part Four Prudential Supervision

Ⅰ. Corporate governance and internal controls

Ⅱ. Capital regulation Thematic Column 3: Capital Rules for Commercial Banks (Provisional)

Ⅲ. Credit risk supervision

Ⅳ. Liquidity risk supervision

Ⅴ. Operational risk supervision

Ⅵ. IT risk supervision

VⅡ. Market risk supervision

VⅢ. Country risk supervision

IⅩ. Reputational risk supervision

Ⅹ. Credit guarantee activities

Ⅺ. Anti-illegal fund-raising

Part Five Improvement of Regulatory Framework and Supervisory Capacity

Ⅰ. Improving legal framework

Ⅱ. Supervisory approaches

Ⅲ.Supervisory cooperation and coordination

Ⅳ. Organizational development

Part Six Banking Consumer Protection and Education

Ⅰ. Development of the banking consumer protection regulatory framework

Ⅱ. Bringing into full play banking institutions' responsibilities on consumer protection

Ⅲ.Consumer protection endeavors

Part Seven Strengthening Transparency and Market Discipline

Ⅰ. Enhancing information disclosure

Ⅱ. Improving transparency of the banking sector

Ⅲ. Strengthening market discipline

Part Eight Social Responsibility

Ⅰ. Promoting supervisory guidance

Ⅱ. Securing quality financial services during public holidays

Ⅲ. Boosting sustainable development of student loan undertakings

Ⅳ. Supporting charity and poverty-stricken areas

Ⅴ. Helping disaster relief and post-disaster reconstruction

Part Nine Outlook

Ⅰ. Economic and financial outlook

Ⅱ. Supervisory focuses in 2013

Ⅲ. Mid- to long-term plan and outlook of banking supervision Thematic Column 4: The banking sector's "Twelfth Five-Year Plan"

Part Ten Appendixes

Appendix 1: Responsibility description of the CBRC departments and local offices

Appendix 2: Financial management activities of the CBRC

Appendix 3: Rules and regulatory documents issued in 2012

Appendix 4: MOUs and EOLs with overseas regulators

Appendix 5: Significant regulatory and supervisory events in 2012

Appendix 6: Terminology

Appendix 7 Statistics

Appendix 7-1: Total assets of banking institutions (2003-2012)

Appendix 7-2: Total liabilities of banking institutions (2003-2012)

Appendix 7-3: Total owner's equity of banking institutions (2003-2012)

Appendix 7-4: Total deposits and loans of banking institutions (2003-2012)

Appendix 7-5: Profit after tax of banking institutions (2007-2012)

Appendix 7-6: Returns of banking institutions (2007-2012)

Appendix 7-7: NPLs of banking institutions (2010-2012)

Appendix 7-8: Liquidity ratio of banking institutions (2007-2012)

Appendix 7-9: NPLs, asset impairment provisions and provisioning coverage ratio of commercial banks (2007-2012)

Appendix 7-10: NPLs of commercial banks (2012)

Appendix 7-11: Distribution of NPLs of commercial banks by industry (2012)

Appendix 7-12: Distribution of NPLs of commercial banks by region (2012)

Appendix 7-13: CAR of commercial banks (2010-2012)

Appendix 7-14: CBRC on-site examinations (2003-2012)

Appendix 7-15: Number of legal entities and staff of banking institutions (As of end-2012)

Boxes

Box 1: New international standards for banking regulatory regime -- the third edition of "Core Principle for Effective Banking Supervision"

Box 2: Trust companies contributed to social wealth management

Box 3: Banks accelerated transformation of operational and management pattern

Box 4: Interest rate liberalization

Box 5: The CBRC launched the international affairs working mechanism for Chinese banking institutions

Box 6: Further opening-up of mainland China's banking industry to Hong Kong and Macau

Box 7: Accelerated Cross-Strait banking expansion and strengthened supervisory cooperation

Box 8: Wealth management products

Box 9: Development of village and township banks

Box 10: Banking industry made significant achievements in supporting the development of Xinjiang, Tibet and Northeast China

Box 1i: Non-performing loans of commercial banks

Box 12: Warding off external risk contagion

Box 13: The CBRC established the Banking Information Technology Supervision Department

Box 14: Summary of key on-site examinations in 2012

Box 15: Inspection on the five-category loan classification

Box 16: The 10th IAC Meeting

Box 17: (Global) Supervisory College for the BOC and the BoCOM

Box 18: Cross-border cooperation on foreign bank supervision

Box 19: Implementation of the CPC Central Politburo's "Eight Provisions"

Box 20: Establishment of the CBRC Banking Consumer Protection Department

Box 21: Modifying the Administrative Rules on Service Charges of Commercial Banks

Charts

Chart 1: Total assets and liabilities of banking institutions (2003-2012)

Chart 2: Market share (by assets) of banking institutions (2003-2012)

Chart 3: Deposits, loans & loan-to-deposit ratio (2003-2012)

Chart 4: Number and percentage of banks meeting the CAR requirement (2003-2012)

Chart 5: NPL balance and ratio of commercial banks (2007-2012)

Chart 6: Asset impairment provisions and provisioning coverage ratio of commercial banks (2007-2012)

Chart 7: Income structure of banking institutions (2012)

Chart 8: Liquidity condition of banking institutions (Dec 2011 to Dec 2012)

Chart 9: Expenses of the CBRC in 2012

Tables

Table 1: Foreign banking establishments in China (As of end-2012)

Table 2: Foreign bank operations in China (2006-2012)

Table 3: Annualized CAR requirements during the transitional period