中国银行业最高监管机构警告中国银行业正在积累严重风险，并将改善机构的财务控制与维护社会稳定的“重要任务”联系在一起。
中国银行业监督管理委员会(China Banking Regulatory Commission)主席刘明康的讲话，与大多数国有银行最近几周在中期报告中展现的乐观前景形成了对比。
经过过去两年前所未有的信贷繁荣后，各银行大多对资产负债表中积累的风险不以为意。
刘明康表示，金融机构需要改进“压力测试”的设计、实施和应用。压力测试旨在评估银行在经济不景气或房地产市场崩溃时的脆弱性。
“我国银行业金融机构在风险管理体系建设方面还有很多薄弱环节，”刘明康在周三公布的讲话中表示。“银行系统性的风险暴露隐患不容忽视。”
他表示，为实现促进经济发展和维护社会稳定的“双重目标”，中国银行业必须建立以资本和风险管理为核心的长效机制。
去年以来，银监会已命令各银行对一系列业务定期开展压力测试，甚至曾要求他们预测主要城市房价下跌60%的影响。
各银行对测试结果都表现得很轻松。资产规模排名第五的交通银行(Bank of Communications)表示，主要城市房地产价格下跌50%，只会令其不良贷款比率上升1.2个百分点。
许多分析师对上述消息表示怀疑。中国银行家们告诉英国《金融时报》，银监会此后已要求他们不要透露测试的具体结果。
刘明康表示，中国各银行急需将关注重点从贷款数量转移到贷款质量上来，这呼应了中国银行(Bank of China)董事长肖钢担心银行“非理性扩张”的一篇评论。
“在当前的金融环境下，扩大规模是中国各银行赚取更多利润的最佳方法，”肖钢写道。“然而，这种增长模式既不能保证银行业的长期稳定发展，又不能满足平衡的经济和社会结构的需要。”
译者/李裕
http://www.ftchinese.com/story/001034539
China’s top bank regulator has warned that serious risks are building up in the financial sector and linked improving financial controls of the institutions to the “important task” of maintaining social stability in the country.
The comments from Liu Mingkang, chairman of the China Banking Regulatory Commission, contrasted with the bullish outlook presented by most state banks in their interim reports in recent weeks.
The banks mostly dismissed concerns about risks building up in their balance sheets after an unprecedented credit boom over the past two years.
Mr Liu said financial institutions needed to improve the design, implementation and application of “stress tests” conducted to assess their vulnerability to a downturn in the economy or a crash in the property market
“The risk management system in the Chinese banking sector still has many weaknesses,” Mr Liu said in comments published Wednesday. “We must not ignore the hidden systemic risks and dangers.”
He said improved capital and risk management in the banking sector was crucial to maintaining the two “important tasks” of economic growth and ensuring social stability.
The CBRC has ordered lenders to conduct regular stress tests on an array of business lines since last year, in one case requiring them to predict the impact of a 60 per cent fall in house prices in leading cities.
Banks downplayed the results, with Bank of Communications, the country’s fifth largest lender by assets, saying a fall in real estate prices in leading cities of 50 per cent would lift its non-performing loan ratio by only 1.2 percentage points.
The news was greeted with disbelief from many analysts and Chinese bankers told the Financial Times they have since been ordered by the regulator not to disclose the detailed results of their tests.
Mr Liu said that the banks urgently needed to switch focus to loan quality rather than quantity, echoing an editorial by the chairman of Bank of China, Xiao Gang, concerning the “irrational expansion” of banks.
“Growing big is the best way for Chinese banks to make more money under the current financial environment,” Mr Xiao wrote. “This model of growth, however, neither assures the long-term sustainable development of the banking sector nor satisfies the need of a balanced economic and social structure.”
没有评论:
发表评论