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国际三大评级机构看好邮储银行发展前景

2017-09-06 16:56:43   中国经济网

近日,国际三大评级机构标普、惠誉和穆迪先后发布对中国邮政储蓄银行的评级结果,看好邮储银行发展前景。

8月24日,标普宣布,对邮储银行予以“A”的长期发行人信用评级和“A-1”的短期发行人信用评级,对其长期评级的展望为稳定。这是邮储银行首次获得国际信用评级结果,这一评级结果与目前标普予以中国工商银行、中国建设银行、中国银行及中国农业银行等中国四大国有商业银行的评级结果一致。   

标普表示,邮储银行在农村和县域地区的绝对性经营优势,以及高于平均水平的资金和流动性状况,均为邮储银行的独立信用评级提供有力支撑。其认为,邮储银行对中国政府来说起着非常重要的作用,并且与中国政府有着非常紧密的联系,必要时邮储银行获得政府特别支持的可能性非常高。标普认为,邮储银行的绝对性经营优势基于其自营网点加代理网点的模式;依托强大的零售银行业务,邮储银行的收入非常稳定,在全国的农村(涉农)和小额贷款等业务中占据了一席之地;得益于强大的存款业务和尚未充分利用的资产负债表,邮储银行的资金和流动性状况好于同业;邮储银行资产质量指标优于行业平均水平,其侧重面向大型企业的贷款和零售贷款,这两类贷款的不良贷款率通常较低。此外,标普还认为,邮储银行将继续在中国农村和县域银行市场保持至关重要的市场地位,并预计未来两年邮储银行将保持其业务状况、稳健的资本实力和优良的资产质量。

8月28日,惠誉宣布,对邮储银行予以“A+”级别的长期发行人违约评级、“F1+”级别的短期发行人违约评级,对邮储银行评级展望为稳定。这一评级结果,与中国主权信用评级一致,这是惠誉目前予以中国商业银行最高的信用评级。同时,邮储银行也是中国目前唯一一家获得惠誉该信用评级的商业银行,反映了国际评级机构对邮储银行的充分认可。  

惠誉认为,邮储银行的发行人违约评级与其支持评级底线一致,其与中国主权信用评级(A+/稳定/F1+)的强联动性反映了在邮储银行出现危机时,中国政府将有极大可能对银行提供及时的支持。惠誉表示,邮储银行拥有超过5.2亿人口的客户群体,覆盖了中国约三分之一的人口——若非邮储银行提供相应服务,许多偏远农村地区人口将无法获得这样的基础金融服务。惠誉还指出,邮储银行拥有审慎的风险偏好和优质的资产质量。此外,受益于其庞大的网点网络和差异化的零售客户群体,邮储银行拥有充足的资金来源和健康的流动性。

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