星展私银料禁内银美元业务机会微内地信用风险可控
星展私人银行香港及内地银行及保险业分析师施(田井)宇出席记者会指，该行为19家上市的内银进行了压力测试，探讨在宏观风险、按揭和信用卡风险，以及私人企业及非标资产的风险。现时估计内地银行体系需要补充2万亿元人民币，以满足核心一线资本比率要求，而四大行未来亦需要增资4.1万至4.5万亿元人民币，以满足总损失吸收能力 (Total Loss Absorbing Capacity)要求。
他认为，现时内地信用风险相对可控，留意到内地去杠杆下国企较易自银行体系融资，惟民企较难获取资金，或导致无法再融资、潜在违约、倒闭及产生不良贷款。他指出，根据中银保监数据，四大内银及股份制银行过去数季不良贷款比率维持平稳，惟农商行不良贷款一直上升，因为去杠杆所影响到的小型企业，是相关银行的主要客户，但他认为，相关因素不构成系统性风险，而中央亦有政策鼓励大型银行贷予民企及中小企，冀助缓和企业再融资等的风险。
施氏指出，要求四大行及股份制银行增加贷款予民企，不良率自然会增加，因为银行贷款予大型企业及民企的风险属性不一样，但风险高自然银行亦会收较高利率以平衡风险回报，认为可抵销相关风险。
据《华盛顿邮报》报道，一名美国法官发现三家大型中资银行在对北韩违反制裁的调查中蔑视拒绝遵守传票，市传事件涉及招商银行(03968.HK)、交通银行(03328.HK)及浦发银行(600000.SH)，市场估计最严重或有机会被取消美元清算管道。施氏指出，招行跟浦发银行基本上不是面对信用风险，认为事件对银行有冲击，因为三家银行美元资产比例介乎5%至10%，最坏情况或不能做美元业务，但认为这类型的制裁十分严重，不太可能发生。
而针对包商银行被接管事件，他认为仅属单一事件，强调不是由系统性信用风险造成，而是涉及股东不当行为，故风险可控。
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