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Author Topic: 上海银监局本周已入驻城商行 重点排查信用风险  (Read 84 times)
Rebeccar
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May 13, 2017, 03:52:30 AM
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上海银监局日前陆续进驻辖区内各家银行,重点稽查同业和理财业务。某城商行相关人士表示,银监局本周已进驻其所在行。在如此严厉的监管下,一部分违规的银行委外业务已经退出。券商资管与公募基金将面临长期压力。除此之外,金融机构之间的博弈也更加剧烈,甚至出现了公募基金要求银行“先续资金后兑付”的行为。
不过,金融机构日前普遍反映,市场对“金融去杠杆”有过度解读之嫌。监管之意重在排摸风险。现在的银行资本充足率留有一定富余,为去杠杆留有一定空间,银行补提资本的压力较小;券商资管的资金池也不会在短期内被“暴力拆除”。
重点摸排券商资管产品
今年“五一”之后,上海银监局开始分批进驻辖区内的国有银行、股份制银行和城商行等。中国证券报记者了解到,上海银监局本周已经入驻城商行。
某城商行相关人士透露,除了监督落实“三违反”、“三套利”、“四不当”等政策外,这次还有信用风险排查,重点在于大额、不太符合标准但高管参与打招呼的贷款项目。“资金空转的项目估计容易回收,但监管套利的恐怕就没有这么容易了,而关联套利本身就少。”该人士表示:“前期的货币宽松积累了比较多融资盘。现在经济回暖程度未到可以清偿融资成本的程度。如果硬要银行缩表,势必引发信用风险。”
国泰君安的研报认为,这次金融去杠杆的监管初衷在于:银行表外理财游离于资本监管之外,在刚性兑付的背景下,其风险却由银行承担,未计提资本;非银部门(包括券商、基金和信托公司等)充当了银行的“信用中介”,银行先将资金投放给非银部门,非银部门再将资金投放给企业。非银部门赚取利差或通道费,而银行却因此模糊了资产的投向和风险情况,可能依然实际承担风险,因此存在资本计提不足的问题。信用中介充当了嵌套功能,实现降信用、加杠杆、加久期等目的,使最终的风险难以穿透识别,结果就是风险不明。而这些风险很大可能仍由银行承担的,本质是银行自己加了杠杆。更值得注意的是,自2013年以来,银行向非银部门的资金投放激增。
因此,银行去杠杆第一步要做的工作,便是穿透非银等信用中介,查明银行真正承担的企业风险敞口,还原一张真实的资产负债表和资本充足率。然后,针对不同情形,通过补提资本,或纠正不当的资产投放项目,把杠杆降下来。可见,监管部门已经开展第一步工作了。随着清查的推进,第二步也会提上日程。
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May 13, 2017, 03:53:59 AM
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信用卡的泛滥问题很严重了

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