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新华社:莫着慌!我国资管行业改革将稳妥推进
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Topic: 新华社:莫着慌!我国资管行业改革将稳妥推进 (Read 116 times)
maydik
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新华社:莫着慌!我国资管行业改革将稳妥推进
December 15, 2017, 07:48:49 AM
#1
新华社北京12月15日电 题:莫着慌!我国资管行业改革将稳妥推进
新华社记者李延霞
开弓没有回头箭,资管行业转型这道坎儿必须迈过,相信各资管机构心里已经有数。
转型必有阵痛,也伴随风险。不管是出于自身利益考虑,还是责任心使然,最近一些机构表达了对新规中部分条款可能引发流动性风险甚至金融市场动荡的担忧。
有忧患意识固然好,但其实不用着慌。金融监管部门推出资管业务新规的根本目的就是为了防风险,更不会允许发生处置风险的风险。市场担心的方方面面的问题,处于征求意见阶段的资管新规会结合实际进行综合考量,“稳妥推进”将是打开此次资管行业改革的正确方式。
当然,对于发展多年规模庞大、各种问题交织复杂的资管行业来说,制定统一的“游戏规则”并不容易,一次做到面面俱到也很难。要让这项改革稳妥推进,取得预期效果,还有许多需要完善的地方。
比如,不少机构对过渡期的问题异议比较大。当前银行理财的平均期限也就三四个月,1年期以下产品占90%以上,而非标资产的期限一般3年到5年,有的甚至更长。在禁止资金池和非标期限错配的情况下,一年半的过渡期,对银行来说资金缺口有多大,是否会有流动性风险,需要进行充分调研和科学评估,摸清底数后审慎设置。
如果真如一些机构所反映,将出现大量未到期理财资产无产品可续接的情况,流动性压力较大的话,适当延长过渡期是应该考虑的。
再比如,非标这个特殊产物,处置起来是个难题。新规采取了相对“容忍”的态度,并没有一棒子打死,在一定范围内允许它的存在,前提是打破刚兑、进行流动性管理等。而对存量非标如何处置、非标如何估值等核心问题文件并没有触及。这也是当前很多机构心里没底的一个重要原因。不过,有一个事儿需要明确:那就是,不能因为要处置非标又滋生出一些似是而非的东西。
又比如,相关配套政策要跟上。新规对资管产品的投资端做了种种限制,但堵邪门的同时也要开正道。
在当前利率上行、债市发展不太好的大环境下,从非标撤回的资金要流向哪里,是否有足够的市场去承接?加强了持牌机构的监管,是否会造成资金向监管相对薄弱的互联网金融等领域流动,产生新的风险?诸如此类问题,都需要通盘考虑,并推出相应的配套措施和改革举措,而不能仅仅停留在解决短期表象问题。
也许不尽完美,但资管新规征求意见稿迈出了第一步,已属不易。面对各方意见建议,监管部门既要保持定力,坚定改革方向,也要妥善安排,确保转型过程中市场平稳,同时要着眼长远,做好制度建设,夯实行业发展根基。如此,关于资管业务规则的这一场大讨论才有意义。
Leopoldmartius
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Re: 新华社:莫着慌!我国资管行业改革将稳妥推进
December 16, 2017, 02:03:09 AM
#2
新规对资管产品的投资端做了种种限制,但堵邪门的同时也要开正道。
Randallxcben
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Re: 新华社:莫着慌!我国资管行业改革将稳妥推进
December 16, 2017, 02:13:11 AM
#3
,将出现大量未到期理财资产无产品可续接的情况,流动性压力较大的话,适当延长过渡期是应该考虑的。
Dawnliaokingkong
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Re: 新华社:莫着慌!我国资管行业改革将稳妥推进
December 16, 2017, 03:47:04 AM
#4
制定统一的“游戏规则”并不容易,一次做到面面俱到也很难。
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新华社:莫着慌!我国资管行业改革将稳妥推进
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