1. If the remaining term of uncommitted line is less than or equal to one year, the capital occupation ratio of uncommitted line is 0.2%;
2. If the remaining term of non-commitment line is more than one year, the proportion of non-commitment line funds is 0.5%;
3. If the uncommitted line is combined with credit risk mitigation arrangements (such as mortgage, guarantee, etc.). ), the proportion of uncommitted capital occupation can be adjusted according to the provisions of the credit risk mitigation arrangement;
4. If the uncommitted line is merged with other credit risk exposures (such as loans and bonds), the capital occupation ratio of the uncommitted line can be adjusted according to the provisions of other credit risk exposures. For example, suppose a bank provides a company with an uncommitted loan line of 6.5438+million yuan, and the company bears the risks of ordinary companies, with CCF of 50%, RW of 654.38+000% and CAR of 654.38+00.5%. Then the risk capital reserve drawn by the bank for uncommitted loan line is: RCR =1000× 50 %×100 %×10.5% = 525,000 yuan, and the capital occupation ratio of uncommitted loan line = 52.5/1000 =