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银行业协会反击标普下调金融机构评级

2017-09-26 07:42:54   中国经济网

对于国际信用评级机构标准普尔(以下简称“标普”)近日下调我国金融机构评级这一行为的批评之声还在增加。9月25日,中国银行业协会在官网发布回应称,当前中国经济基本面稳中向好,银行业稳健发展,标普基于“亲周期”评级方法下调评级,是简单片面的,这种做法有失公允。

标普在本月21日将中国主权信用评级由AA-下调为A+,展望由负面调整至稳定。与国家主权信用挂钩的国家开发银行、中国进出口银行、中国农业发展银行的评级也被由“AA-”下调至“A+”,展望由负面上调至稳定。同时,标普还调降了星展中国、恒生中国及汇丰中国3家外资银行的信用评级,认为如果内地主权债违约,上述三大银行也难独善其身。

对此,中国银行业协会专职副会长潘光伟指出,标普仅仅关注到我国经济调整期的短暂波动,忽略了银行业宏观信用环境日趋良好;仅仅关注信贷增长可能带来的风险,忽略了银行整体运营水平正在逐步改善;仅仅关注杠杆率较高问题,忽略了融资结构差异性下的风险可控;仅仅关注经济转型期的压力,忽略了银行业转型发展支持实体经济所取得的新成效;仅仅重视过去的问题,忽略了政策层面去杠杆的决心和效率。

在银行业运营水平方面,潘光伟表示,我国银行业总体运行稳健。其中,在信贷资产质量方面,截至2017年6月末,我国商业银行不良贷款余额1.64万亿元,不良贷款率1.74%,从2016年三季度开始,商业银行不良率分别为1.76%、1.74%、1.74%、1.74%,连续3个季度保持稳定。潘光伟表示,标普忽略了我国供给侧结构性改革的进展、创新驱动发展战略的推进,在我国经济稳中向好、银行业稳健发展的情况下下调评级,其客观性、公正性令人置疑,也使得评级结果具有局限性,缺乏公信力。

事实上,在标普下调我国主权信用评级及部分金融机构评级后,财政部和国开行等部门和机构也已发声回击。财政部称,标普调降中国主权信用评级是一个错误决定;国开行也表示,这种“老生常谈”的评级和结论“不靠谱”。

值得一提的是,今年5月,国际三大信用评级机构之一的穆迪也曾调降中国评级。在华夏银行总行研究员李虹含看来,评级机构的评级方法、评级目的、评级独立性有待商榷。他指出,业界已普遍认识到,国际信用评级机构在评价中已丧失了作为中介机构的独立性,一是评级机构参与金融产品的设计、发行阶段,为便于产品发行虚高评级,丧失客观、公允、中立评价的可能性;二是由于评级机构的结构化产品发展迅猛,其与会计师事务所和律师事务所等机构共同包装金融产品,甚至在业务活动中操纵国际金融市场而自身获利。

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