21家银行被认定为国内系统重要性银行，资本和杠杆率要求更高

Core Insights - The list of systemically important banks in China has been expanded for the first time in over two years, now including a total of 21 institutions [1][3] - The new list features two significant changes: Zhejiang Commercial Bank has been newly included, while Industrial Bank has been reclassified from the third group to the second group [3][4] Group Summary - The 21 systemically important banks are categorized into five groups based on their importance scores, with the first group containing 11 banks, including Zhejiang Commercial Bank, and the second group containing 4 banks, including Industrial Bank [4][5] - Zhejiang Commercial Bank's inclusion signals its significant scale and importance, enhancing its reputation among clients and investors, and it will now face stricter capital and leverage requirements [5][6] - Industrial Bank's reclassification to the second group indicates a relative decline in its assessment based on size, interconnectedness, substitutability, and complexity, although this does not necessarily reflect a deterioration in its operations [6][7] Regulatory Framework - Systemically important banks are subject to higher capital and leverage requirements due to their size and complexity, which are crucial for maintaining financial stability [8][9] - The assessment framework for these banks was established in December 2020, focusing on four dimensions: scale, interconnectedness, substitutability, and complexity [9] - The additional capital requirements for these banks vary by group, with the first group requiring an additional 0.25% and the second group requiring 0.5% [10][11]