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监管环境趋严 同业存单前景或生变
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Topic: 监管环境趋严 同业存单前景或生变 (Read 130 times)
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监管环境趋严 同业存单前景或生变
May 03, 2017, 11:30:58 AM
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日前,监管部门密集发文检查银行同业存单规模及流动性管理等情况。尽管目前监管部门还没有对同业存单的规模有明确规定,银行理财仍可继续投资同业存单,但不可大量发行同业存单来进行同业理财、委外投资、债市投资等期限错配的套利交易。监管部门对同业存单监管的风向已然生变。业内人士认为,未来同业存单发行规模或将下滑。
同业存单监管风向生变
延续金融去杠杆的监管方向,同业存单的“空转套利”、“监管套利”已成为监管部门的检查重点。
一位长三角地区的农商行行长告诉记者,银监局组织各银行行长开会,重点布置“三套利”等监管任务。对于同业存单的发行,监管目前仍处于摸底、了解情况阶段。“本行的同业存单发行笔数虽多,但总体金额并不是很大。”
据悉,监管部门要求银行自查,是否通过大量发行同业存单,甚至通过自发自购、同业存单互换等方式来进行同业理财投资、委外投资、债市投资,导致期限错配,加剧流动性风险隐患;延长资金链条,使得资金空转套利,脱实向虚。
“监管部门明确要督促同业存单增速较快、同业存单占同业负债比例较高的银行,合理控制同业存单等同业融资规模。”多位银行人士对记者表示。
某银监局工作人员对记者表示,这次现场检查针对性强,对于同业融资依存度高、同业存单增速快的银行业金融机构,要重点检查期限错配情况及流动性管理有效性问题。
此前,监管部门将3个月以上的同业存单视作核心负债。同业存单也并未被纳入到同业负债,作不超过银行负债总额1/3的规模考核。
这次监管部门对于同业存单规模的排查内容主要涉及银行资产与负债两端。即,若将商业银行所持有的同业存单计入同业融出资金余额,是否超过银行一级资本的50%;若将商业银行发行的同业存单计入同业融入资金余额,是否超过银行负债总额的1/3。
“虽然监管部门目前只是对同业存单进行摸底排查,还并未规定将同业存单纳入同业负债1/3比例的考核,但是将同业存单纳入监管的意图已经十分明显。”多家银行人士表示。
业内人士预计,如果有半年左右的过渡整改期,那么同业存单可以逐步实现到期不续发,以缓解资产端冲击,但如果立刻整改,那么将使得中小行缩表,非银机构面临赎回压力。
同业存单发行规模或将下滑
监管部门共同发力,强化同业链条监管,让同业存单的前景悄然发生着变化。业内人士指出,伴随监管趋紧,后续同业投资业务或将进入收缩和去杠杆的过程,同业存单发行规模或将受到约束,同时,市场流动性或将延续偏紧格局。
同业存单受到的第一波冲击来源于央行MPA(宏观审慎评估)考核。受MPA考核影响,资金面趋向紧平衡,同业存单利率随着银行间资金利率上行而有所上行,一些银行负债端同业存单发行的利率已经和资产端的利率出现了倒挂,这使得同业存单续作的成本越来越高。
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