Reform of the banking industry, policy banking reform

It is a two-year validity period.

After the reform, the examination subjects have also changed, and the original banking qualification examination is a "public foundation" subject plus any professional subject, and the professional subjects are divided into personal finance, risk management, corporate credit and personal loans. After the reform, the primary qualification examination for the banking industry has been changed to the subject of "Banking Laws and Regulations and Comprehensive Ability" plus any professional subject, and the professional subject remains unchanged. Candidates who have obtained the banking qualification examination can be exempted from the "Banking Laws, Regulations and Comprehensive Ability" when registering for the banking primary qualification examination, and only need to pass the examination of any professional subject to obtain the primary certificate.

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Hello, Zhonggong Education is at your service.

If you don't work in a bank now, i.e. you're not a banker:

According to the Interim Measures for the Administration of Qualification Certificates for Banking Practitioners in China (for Trial Implementation).

Article 9 If a non-banking employee participates in the qualification certification examination and obtains a passing result, the certification committee shall issue a certificate of the examination results of the banking employee. The test result certificate is valid for 2 years, and the certificate can be applied for within the validity period. After passing the examination, such personnel will receive a certificate of passing the test, and there is no need to apply for a certificate of passing the test.

This certificate is valid for two years, and you can apply for the certificate after becoming a bank employee within two years, and the overdue results will be invalid.

This means that the results you have already passed in the Common Basis are valid until June 2015, and you need to pass the other subjects as soon as possible within this period. Once you have become a banker, you can apply for a certificate. Late grades will be forfeited.

For more information, please refer to the Banking Exam information.

If you have any questions, please feel free to ask questions from Zhonggong Education Enterprises.

Legal analysis: A policy bank refers to a professional financial institution founded by the first to carry out financial business in a specific field with the goal of implementing the economic policy of the first and not for profit. It is an important part of the reform of China's financial system to separate policy finance from commercial finance, to set up policy banks to undertake strictly defined policy business, and at the same time to realize the commercialization of specialized banks, develop commercial banks, and vigorously develop commercial financial services to meet the needs of the market economy.

Legal basis: Commercial Bank Law of the People's Republic of China

Article 5 Commercial banks shall follow the principles of equality, voluntariness, fairness, and good faith in their business dealings with customers.

Article 6 A commercial bank shall ensure that the legitimate rights and interests of depositors are not infringed upon by any unit or individual.

Article 7 When carrying out credit business, a commercial bank shall strictly examine the credit standing of the borrower, provide guarantees, and ensure that the loan is recovered on time.

Commercial banks shall recover the principal and interest of the loans due from the borrowers in accordance with the law, and shall be protected by law.

Article 8 In carrying out business, a commercial bank shall abide by the relevant provisions of laws and administrative regulations and shall not harm the interests of the state or the public interest.

The current situation of China's banking industry is that although it has made great progress after more than 10 years of reform and opening up, the ultimate goal of the reform and development of the banking system is far from being realized, and many deep-seated institutional problems, such as the low degree of commercialization, the distorted incentive mechanism, the weak ability to innovate, and the high proportion of non-performing assets, have still not been fundamentally solved. In many respects, it is far behind the international advanced level. Market competition under the huge disparity will inevitably have a negative impact on state-owned banks.

It is foreseeable that once the existing protective measures are lifted, the domestic banking industry will be in a very disadvantageous competitive position

First of all, it is inevitable to open up the RMB business of Chinese enterprises to foreign banks. Due to the low cost of funds, strong loan development capacity, and high loan quality of foreign-funded banks, it is likely that a large number of high-quality customers with good efficiency and creditworthiness will be transferred to foreign-funded banks, while customers with poor efficiency and credit ratings, as well as some policy-related businesses, will continue to remain in domestic banks, resulting in the phenomenon of "adverse selection." This can be seen as the biggest threat to Chinese banks.

Secondly, restrictions on foreign exchange operations will also be phased out. Relying on the advantages of raising low-cost funds through the international market, foreign banks can provide foreign exchange loans to domestic customers at lower interest rates, thus highlighting the advantages of their foreign exchange business and having a greater impact on the foreign exchange business of domestic banks.

Third, geographical restrictions on RMB business will eventually be lifted. At present, foreign-funded banks in China are mainly distributed in large cities and coastal cities, and Shanghai, Shenzhen, and Beijing alone concentrate 70 of the total number of foreign-funded banks in China. With the relaxation of geographical restrictions on the renminbi, foreign banks will expand to more coastal cities and strengthen the competition for high-quality customers.

Fourth, foreign banks will occupy a monopoly position in opening up other financial services. Foreign-funded banks have absolute advantages in financial data processing and consulting services and mixed business operations, they are familiar with the international financial field, long-term analysis of the international financial situation, pay attention to market development, have rich experience in market competition, have strong technical and financial product development capabilities, especially in the personal credit system, can provide excellent services. As a result, foreign banks will be in a monopoly position when it comes to providing other financial services.

Finally, out of consideration for opening up the domestic market, foreign-funded banks will attract a large number of outstanding management and professional personnel from the domestic banking sector, which will have a certain impact on the operation and management of domestic banks.

The reform of commercial banks is mainly the reform of the property rights structure and business processes. dao

First, the property rights structure back.

At present, the commercial banks are all state-owned, and their efficiency and risk tolerance are too low, and they may gradually increase the structure of private capital in the future.

Second, the business process.

At present, commercial banks like to lend money to state-owned enterprises and mortgage loans, and in the future, there will be more and more loans for small and medium-sized enterprises, and the income structure of banks will also change.

In the second half of the year, you can apply for exemption from the "Banking Laws and Regulations and Comprehensive Ability", and you do not need to retake the exam;

2. According to the provisions of the new system, the certificate of passing the public basic subjects in the past is still retained at this stage, even if you are a non-bank employee, whether you are a certificate or a certificate.

3. The results of the public basic examination belong to the old examination, and according to the provisions that the old examination results are valid for two years, as of the first half of 2015, you can apply for exemption from the examination.

In the second half of the year, you must register for the old one, log in to the registration portal "My Homepage", click "I want to register" on the top navigation, and then check the third exemption application, and the registration system will automatically associate your test passing results. There is no need to submit written supporting materials, if you do not meet the third clause, you cannot click the next step, and the application for exemption from the third article is successful.

Hello, I will answer you from the validity period of the results and why you can't print the certificate of passing the score, I hope to solve your problem.

1. Under the new system, the examination shall be administered on a rolling basis for two times. To obtain the "Banking Vocational Qualification Certificate", you must pass any one of the professional categories under the subjects of "Banking Laws and Regulations and Comprehensive Ability" and "Banking Professional Practice" in two consecutive examinations held by the organizer. In particular, two consecutive exams are calculated as uninterrupted, e.g

The second part of 2014 is the same as the first part of 2015 is a rolling management cycle, and so on.

2. Because the examination is included in the management sequence of the Ministry of Human Resources and Social Security, according to the relevant regulations, this year's professional qualification examination for banking professionals will enable the paper version of the certificate, and at the same time involve two consecutive examinations for a management cycle, so from 2014 onwards, the results of the professional qualification examination for banking professionals will no longer be provided, and candidates can check the results and wait for the electronic certificate to query. Therefore, you can take the professional practice exam in the second half of the year with confidence, and you can apply for the new version of the certificate after passing.