2012年我国银行业监管特征是“守底线、强服务、严内控、促转型”，通过建立全面的风险监管框架，守住了银行业不出现区域性、系统性风险的底线，在此基础上提高银行业对实体经济的支持能力和服务能力，通过监管督导银行业转型，正式发布了《商业银行资本管理办法(试行)》，将金融消费者保护纳入日常监管框架，加强对系统重要性银行的监管。展望未来，2013年银行业监管将继续守住金融风险底线、支持实体经济发展、促进银行业改革发展、提高监管自身效能。
In 2012, China's banking regulators established a comprehensive risk regulatory framework, encouraged financial institutions to support the real economy, promoted the transformation of commercial banks, protected financial consumer, and strengthened supervision of systemically important banks. As a result, no regional and systemic risk is at a minimum. In 2013, China's banking regulators will continue to prevent financial risks, support the development of the real economy, promote banking reform, and improve the efficiency of financial supervision.
