新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China

监管多次发文规范同业存单业务 多家银行做减法

2017-09-15 07:31:50   中国经济网

上市银行中报披露收官,缩表成为了热词。民生银行、中信银行、上海银行资产规模下降,光大银行、浦发银行、江阴银行资产规模较2016年年底增长不到1%。对于缩表的原因,多家银行表态包括“缩减同业资产、负债”。

中国人民大学重阳金融研究院高级研究员董希淼对本报记者表示,银行主动“缩减同业资产、负债”,一方面是因为监管的有意引导和相关检查的威慑;另一方面是因为银行自身也不再刻意追求规模与增速,而部分银行的缩表也和去年年底的存款冲太快有关,今年上半年自然会回落。

中信银行、民生银行和上海银行中报显示,相较于2016年年底,三家银行总资产分别减少了3141.22亿元、1458.63亿元和454.47亿元,此外,另有多家上市银行的资产规模增速远低于同期水平。

对于银行业如此表现,外界普遍归因于同业业务的收缩。商业银行同业业务最初仅限于商业银行之间的拆借,以调剂短期流动性余缺。然而,从2010年以来,同业业务逐渐发生了质变,演变成商业银行拆入资金或吸收理财资金,扩大各种表外资产的工具。

民生银行中报显示,截至6月末,同业资产3074.19亿元,较上年末下降33.44%;同业负债1.26万亿元,较上年末下降16.96%,占总负债比重略降至23.43%。随着同业资产、表外业务的收缩以及利率变动,民生银行拆放同业及其他金融机构和买入返售金融资产利息收入分别下降15.84%和79.99%。

安信金融赵湘怀认为,民生银行2017年上半年存放同业和买入返售大幅下降33%至3074亿元,结构全面优化。预计未来,民生银行的同业资产和负债抗风险能力将提升。

中信银行上半年同业资产和应收款项类投资下降明显。其中,应收款项类投资减少1936亿元,下降18.5%;同业资产减少2817亿元,下降51.5%。

中信银行管理层表示,“年初我行审时度势,明确‘控表’策略。这些策略顺应了大势,踩准了市场趋紧、监管趋严的‘点’,把握了自营存款增长难的‘势’,避免了资产负债不协调增长带来的问题”。

记者梳理发现,今年上半年,同业存单成为了监管重点,从3月份开始共有多份文件聚焦同业存单。

就在上个月,央行发布的《中国货币政策执行报告》指出,拟于2018年一季度评估起,对资产规模5000亿元以上的银行发行的一年以内同业存单纳入MPA同业负债占比指标进行考核。依据考核指标,银行同业负债占比不超过25%,可获得满分25分;不超过33%,可获得10分至15分,否则为0分。

董希淼认为,监管对于大、中、小银行进行了区分,明年第一季度从5000亿元规模银行开始,是给中小银行留出了时间,事实上,不少城商行、农商行的同业存单规模不亚于上市银行。

(以上信息摘自《证券日报》)

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410257.html
Server: cms-9-53
Date: 2024/12/25 02:53:49

Powered by China
China