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9年8次增资核心资本充足率仍下滑 厦门银行谋求上市补缺口

2017-08-28 09:23:02   中国经济网

银监会发布的2017年一季度主要监管指标数据显示,2017年一季度末,商业银行(不含外国银行分行)加权平均核心一级资本充足率为10.79%,较上季末上升0.04个百分点;加权平均一级资本充足率为11.28%,较上季末上升0.03个百分点。

对9年内连续8次增资扩股的厦门银行来说,提高资本充足率的“老招”就是继续募集资金。

在2016年定增不超过5亿股股份方案获银监会通过后,2017年上半年,厦门银行又连续2次发行二级债券,共22亿元。厦门银行称,募集的资金将用于充实二级资本,提高资本充足率,以增强营运实力,提高抗风险能力。

经济导报记者从数据了解到,2014年至2017年一季度,厦门银行资产利润率分别为0.67%、0.66%、0.61%、0.57%,资本利润率分别为13.22%、12.29%、11.94%、11.62%。由此看来,这两项盈利指标从2014年开始,就都出现连续下跌趋势。

与此同时,有数据显示,厦门银行2014年至2016年末不良贷款率分别为1.09%、1.37%、1.53%。截至2017年一季度,该行各项贷款及垫款总额516.1亿元,贷款损失准备17.31亿元,较去年年底增长7.6%。

华安证券首席宏观分析师徐阳认为,在息差收窄、传统业务受到挤压的背景下,银行短期内可能会通过定增方式扩容资本,但从长期来看,还需要各大银行提高创新能力、开辟新业务,尽早实现业务转型。

谋求上市

未上市商业银行面对资本金相对紧张时,似乎发行上市是比较好的办法。的确,外部直接融资的方式可以迅速大规模地实现资本集中,上市后的商业银行的资本充足率会得到很大的提高。此外,商业银行上市后,可以根据扩充资本的需要继续融资,具体方式包括非公开发行股份、发行权证、发行可转债等方式从资本市场募集大量的资金,补充资本金,冲销一部分不良资产,提高银行资产的质量。

中央财经大学金融学院教授郭田勇也表示,受经济环境影响,银行息差收窄、增速放缓,尤其是城商、农商等区域性、地方性银行存在资本压力很正常。“上市可以拓展融资渠道,支持银行业务发展。”

不过,上市能带给厦门银行的是资金方面的宽裕,业务层面还需进一步调整。徐阳认为,从银行业整个行业发展来看,经历了黄金发展十年后,近几年银行业利差收窄,银行业依靠利差业务带来的利润空间已经越来越小,整个银行业都在面临转型压力。

对此,厦门银行指出,2017年,在复杂多变的宏观经济环境和监管政策下,银行将继续深化转型创新,推进综合化经营,强化风险管理,在稳健经营的基础上,实现规模突破和盈利提升。

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