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央行:表外理财明年纳入广义信贷范围

2016-12-20 10:39:28   

中国人民银行有关负责人19日在接受媒体采访时表示,在总结前期经验的基础上,将于2017年一季度评估时开始正式将表外理财纳入宏观审慎评估(MPA)广义信贷范围,以合理引导金融机构加强对表外业务风险的管理。具体为:表外理财资产扣除现金和存款等之后纳入广义信贷范围,纳入后广义信贷指标仍主要以余额同比增速考核。

上述负责人表示,MPA实施近一年来成效较好,广义信贷增长较为平稳有序,资本约束资产扩张理念进一步贯彻体现,金融机构经营总体稳健。同时,人民银行也一直在根据形势发展变化和实施情况对MPA进行完善。上述负责人称,当前未纳入MPA的表外理财业务增长较快,部分银行的业务还潜藏着一些风险。一是表外理财底层资产的投向主要包括类信贷、债券等资产,与表内广义信贷无太大差异,同样发挥着信用扩张作用,如果增长过快会积累宏观风险,不利于“去杠杆”要求的体现与落实。二是目前表外理财虽名为“表外”,但资金来源一定程度上存在刚性兑付,出现风险时银行往往不得不表内化解决,未真正实现风险隔离。因此,为了更加全面准确地衡量风险,引导金融机构更为审慎经营,需要加强对表外理财业务的宏观审慎评估。

该负责人称,前期人民银行就表外理财纳入MPA广义信贷指标开展了模拟测算,金融机构和相关工作人员对此已有了逐步熟悉、调整和适应的过程,相关工作进展总体顺利,目前看实施条件已经具备。

上述负责人也表示,今年底若金融机构表外理财业务冲时点,会大幅拉高明年一季度乃至二、三季度广义信贷余额和同比增速,直接对明年前三季度MPA评估结果造成负面影响。如果有银行因为MPA而冲时点,可能是由于对上述同比考核的机制理解还不够准确。“避免冲时点行为,保持广义信贷平稳适度增长,才符合宏观审慎评估的要求。”他说。

该负责人还称,人民银行将继续加强与金融机构的沟通、引导和风险提示,推动相关工作平稳有序地过渡,不断健全完善宏观审慎评估体系。

(责编:乔雪峰、杨曦)

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