民营银行试点已经铺开,一个重要的、迫切需要直面的实践课题是,“风险自担”四字究竟如何实现?如何在开业前制订或评价银行恢复与处置计划?之于银行家和监管层而言,下文具有非常重要的意义。以下为《民营银行:风险这样自担》第二部分内容。关键特征之四:抵销,净额结算,抵押及客户资产分离监管要求应具有清晰、透明、具有强制性的关于抵销、净额结算和抵押担保协议以及客户资产 Pilot projects of private banks have been rolled out. An important practical issue that urgently needs to be tackled is how “four words at their own risk” can be realized? How to formulate or evaluate bank recovery and disposal plans before opening? Regulators, the following has a very important significance. The following is a “private bank: at your own risk,” the second part. Key Features # 4: Offsetting, Netting, Securing and Segregation of Client Assets Regulatory requirements should have clear, transparent, and mandatory requirements for offsetting, netting and collateralizing guarantees and customer assets