Cé go bhféadfadh leibhéal na LGDanna réadaithe agus na CFanna réadaithe a bheith píosa mhaith níos airde ná an meán fadtréimhseach mar thoradh ar ghéarchor eacnamaíoch, níor cheart a mheas gurb ionann na dálaí ar saintréithe de ghéarchor eacnamaíoch iad agus na dálaí a úsáidtear le haghaidh tástáil struis.
Even though the level of realised LGDs and realised CFs may be substantially above the long-run average as a result of an economic downturn, the conditions characterising an economic downturn should not be considered as the equivalent of the conditions used for stress testing.
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Leis na ceanglais chun meastachán a dhéanamh ar LGDanna agus CFanna i Rialachán (AE) Uimh. 575/2013, ceanglaítear ar institiúidí sonraí dearaidh agus oibríochtúla a gcóras rátála a dhoiciméadú, lena n-áirítear dearadh a bpróiseas chun géarchor eacnamaíoch a shainaithint, agus fianaise a choinneáil chun a léiriú go bhfuil na ceanglais mheastacháin sa Rialachán sin á gcomhlíonadh.
The requirements for estimating LGDs and CFs in Regulation (EU) No 575/2013 require institutions to document the design and operational details of their rating systems, including the design of their processes for identifying economic downturns, and to retain evidence to show compliance with the estimation requirements in that Regulation.
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Go deimhin, in DS379, dheimhnigh an AB cinneadh USDOC gur ‘comhlachtaí poiblí’ a bhí sna SOCBanna in imscrúdú an pháipéir CFS ar na cúinsí seo a leanas: (i) gar d'úinéireacht stáit iomlán na hearnála baincéireachta sa tSín; (ii) Airteagal 34 den Dlí maidir le Baincéireacht Tráchtála, ina sonraítear go dtreoraítear do bhainc ‘a ngnó iasachta a dhéanamh ar bhonn riachtanais an gheilleagair náisiúnta agus na forbartha sóisialta agus faoi threoir bheartais tionsclaíochta an Stáit’. fianaise a thaifeadadh a chuireann in iúl nach bhfuil scileanna leordhóthanacha bainistíochta priacail agus anailíse fós ag SOCBanna; Agus (iv) nach bhfuair an [USDOC] le linn an imscrúdaithe [USDOC] an fhianaise ba ghá chun doiciméadú cuimsitheach a dhéanamh ar an bpróiseas lenar iarradh iasachtaí, inar deonaíodh agus inar measúnaíodh iasachtaí don tionscal páipéir'.
Indeed, in DS379, the AB confirmed the USDOC's determination that the SOCBs in the CFS Paper investigation constituted ‘public bodies’ on the following considerations: (i) near complete state-ownership of the banking sector in China; (ii) Article 34 of the Commercial Banking Law, which states that banks are required to ‘carry out their loan business upon the needs of [the] national economy and the social development and under the guidance of State industrial policies’; (iii) record evidence indicating that SOCBs still lack adequate risk management and analytical skills; and (iv) the fact that ‘during [that] investigation the [USDOC] did not receive the evidence necessary to document in a comprehensive manner the process by which loans were requested, granted and evaluated to the paper industry’.