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不良资产压力犹存 银行多举措化解

2017-09-08 08:32:45   中国经济网

最新发布的《中国上市银行年报研究(2017)》报告认为,2017年,银行业风险大规模集中暴露的可能性不大。随着宏观经济企稳,市场化债转股加快推进以及不良资产证券化实施,资产质量趋稳的趋势更加明显。但一些风险点仍需关注,包括流动性趋紧、地方债务置换可能提升经营风险;中西部地区及一些传统行业化解不良压力大;小微、两高一剩和顺周期行业企业的违约风险将显现;受制于MPA考核、同业理财监管,处置和消化不良资产能力面临一定挑战等。

多措并举化风险

在多数银行业内人士看来,银行资产质量普遍改善与银行加大风险化解力度和不良资产处置力度是分不开的。

比如,上半年中国银行不良贷款率为1.38%,较上年末下降0.08个百分点,潘岳汉表示,在化解潜在风险方面,中国银行以防止“边清边冒”为原则,对部分客户进行分级管理、分类施策,主动压降潜在风险客户;在处置不良资产方面,中国银行采取了现金清收、债务重组和资产证券化等手段,上半年累计化解不良资产735亿元。农业银行首席风险官李志成也表示,2017年上半年,农业银行的不良贷款处置情况较好,行内风控水平不断提升。农行将开始实行净表计划,运用多种方式加大不良贷款的处置力度,力争今年把不良贷款占比控制在2%以内。

穆迪最新发表的报告认为,中国不良贷款证券化大部分交易的实际回收款高于最初预期。截至2017年6月,三大贷款类型中多数交易的实际回款额超过发起人的最初预期。但是,鉴于交易表现的有限历史以及所报告数据的局限性,未来回收款能否继续超过最初预期存在较大的不确定性。主要贷款类型包括无抵押消费贷款、企业贷款和个人房产抵押贷款。

另一方面,2016年10月国务院启动了新一轮市场化债转股以来,五大行先后发起设立了债转股子公司。前不久,建信金融资产投资正式开业。天风研究所廖志明认为,通过市场化债转股,利于银行加快潜在不良资产的处置,减轻市场对资产质量之担忧。银行还有望获得可观的股权投资收益,有效提升潜在不良资产处置收益。

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