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《大行报告》高盛:内地放宽小额贷款公司杠杆比率 料利好金融科技公司
阿思达克 09-18 14:25
高盛发表研究报告,指出中国银行业监督管理委员会发表文件,以更新有关小额贷款企业的法规,包括将杠杆上限由早前的1.5至3倍提升至5倍。由於大部分金融科技公司持有小额贷款许可证,因此提高杠杆上限可能会推动金融公司的表内贷款业务,料利好金融科技公司。

该行指,由於小额贷款许可证是由地方政府颁发,因此关於应否将小额贷款公司视为金融机构存在争议,这将关乎到4倍LPR利率上限应否适用於小额贷款公司。虽然不知道金融监管机构的决定,但相信提升小额贷款公司的杠杆上限,有望抵销来自潜在利率上限的增长压力。

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