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优秀的江阴银行为何问题缠身

2017-08-14 09:04:10   中国经济网

在资产质量方面,该行2017年一季报显示,该行的不良贷款率高达2.41%,稳居A股第一,不良资产暴露呈现加速迹象,不良率快速攀升。与此同时,其拨备覆盖率170.14%,近3年维持在170%附近,相比其他同类型的上市银行处于较低水平。有分析指出,未来如果不良贷款率进一步加速,拨备将承受较大压力。

“我行今年一季度披露的不良贷款率为2.41%,与2016年底持平。随着经济下行和产业升级,制造业企业发展面临一定挑战,部分企业风险逐步暴露,尤其是本行部分异地机构及村镇银行所在区域经济金融环境不容乐观,对合并口径不良率产生了影响。”江阴银行方面承认其资产质量存在一定问题,但该行相关负责人也表示,总体来看,江阴银行的不良贷款压力有所缓解。

行业缩影

事实上,江阴银行只是我国农村商业银行的一个缩影。

“江阴银行的现状也真实地反映了我国农商行普遍的内控水平与经营水平。”上述研究人员对《国际金融报》记者表示,我国农村商业银行等农村金融机构的内控水平普遍较低。

该研究人员坦言,客户经理与客户串通骗贷等内部操作风险的案子比比皆是,诸如骗贷、票据纠纷一类案件在农村金融机构十分常见。

事实真是如此吗?

其实,从各级银监部门开具的罚单中,我们就可以窥见一二。《国际金融报》记者近期在统计7月份全国各地银监局及银监分局后发现,在今年7月累计公布的77份单位罚单中,仅农村商业银行就收到22份罚单,数量最多;其次为农村信用合作联社收到17份罚单。

违规事实包括向项目资本金不实以及比例不达标的企业发放房地产开发贷款、贷款转保证金开立银行承兑汇票、违规办理同业业务、违规发放用途不真实的个人贷款、未按规定进行贷款资金支付管理与控制等。

除此之外,与国有银行和一些大型的股份制银行相比,我国农村商业银行的不良贷款率普遍较高。

从银监会发布的2017年一季度主要监管指标数据来看,我国农村商业银行一季度的不良贷款率为2.55%,在所有商业银行类型中最高,而大型商业银行、股份制商业银行、民营银行、外资银行的不良贷款率分别为1.64%、1.74%、1.5%、0.64%、0.89%。

“目前江阴银行等几家上市农商行的不良率在百分之一点几、二点几,这如果是真实不良率的话,其实已经很好了。”上述研究人员告诉记者,在浙江的众多农商行中,实际不良贷款率达30%已经不是新鲜事,而在全国范围内,甚至有个别农商行的实际不良贷款率高达50%。

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