Chart of Risk-based Premium Grading for All Financial Institutions
CSRPRS
Capital Adequacy Ratio (CAR) |
Grade A |
Grade B |
Grade C |
| Well Capitalized |
Group 1 |
Group 2 |
Group 3 |
| Adequately Capitalized |
Group 4 |
Group 5 |
Group 6 |
| Undercapitalized |
Group 7 |
Group 8 |
Group 9 |
Risk Premium Rates for Domestic Banks and Local Branches of Foreign and Mainland Chinese Banks
CSRPRS
CAR |
65.0 and Over |
50.0 to Under 65.0 |
Less than 50.0 |
| 12.50% and over |
Grade 1
0.05%
|
Grade 2
0.06% |
Grade 3
0.08% |
| 10.50% to less than 12.50% |
Grade 2
0.06% |
Grade 3
0.08% |
Grade 4
0.11% |
| Less than 10.50% |
Grade 3
0.08% |
Grade 4
0.11% |
Grade 5
0.15% |
*Insured deposits in excess of coverage limit applied to the flat rate of 0.005%.
Risk Premium Rates for Credit Cooperatives
CSRPRS
CAR |
65.0 and Over |
50.0 to Under 65.0 |
Less than 50.0 |
| 12.00% and over |
Grade 1
0.04% |
Grade 2
0.05% |
Grade 3
0.07% |
| 8.00% to less than 12.00% |
Grade 2
0.05 |
Grade 3
0.07% |
Grade 4
0.10% |
| Less than 8.00% |
Grade 3
0.07% |
Grade 4
0.10% |
Grade 5
0.14% |
*Insured deposits in excess of coverage limit applied to the flat rate of 0.005%.
Risk Premium Rates for Credit Departments of Farmers' and Fishermen's Associations
CSRPRS
CAR |
65.0 and Over |
50.0 to Under 65.0 |
Less than 50.0 |
| 10.00% and over |
Grade 1
0.02% |
Grade 2
0.03% |
Grade 3
0.04% |
| 8.00% to less than 10.00% |
Grade 2
0.03% |
Grade 3
0.04% |
Grade 4
0.05% |
| Less than 8.00% |
Grade 3
0.04% |
Grade 4
0.05% |
Grade 5
0.06% |
*Insured deposits in excess of coverage limit applied to the flat rate of 0.0025%.
Notes:
- The CSRPRS refers to the Composite Score of the Risk-based Premium Rating System. It uses the financial data directly reported by the insured institutions.
- The CAR of banks refers to the ratio of equity capital to risk-weighted assets. The CAR of credit cooperatives refers to the ratio of eligible equity capital to total risk-weighted assets. For local branches of foreign banks, the ratio of equity capital to risk-weighted assets of the foreign and mainland Chinese banks, which report to the competent authority in their home country, is used. The CARs for credit departments of farmers' and fishermen's associations are the ratio of eligible net worth to total risk-weighted assets.