汇丰研究:内地允小银行拨备覆盖率可降至100%促放贷 看好大型内银
汇丰研究发表报告,指国务院公布容许小型银行降低不良贷款覆盖率,由120-150%降至100%,相信可有助释放2,050亿人民币的资金,支持额外2.5万亿资产增长。
该行指,在此政策的鼓励下,大型银行需救助小型银行的风险减退,银行在信贷充足的情况下,减少面对资金不足的风险,同时预期监管未来亦有见会放宽以支持增长。
该行表示,在大型中资银行中,推介一些估值吸引、具稳健资产负债表、有能力推动低成本融资,及高於同业的流动资金以稳定派息的银行。虽然货币政策转松有助股份制银行多於国有银行,但目前政策的推动速度仍然是不确定。
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