《大行報告》瑞信:內地定系統重要性銀行監管要求 料民行及信行面臨壓力
瑞信發表研究報告,指出人民銀行及銀保監正式發布《系統重大銀行評估辦法》的最終版本,以識別系統重要性銀行(D-SIB),並將於明年1月1日起生效。當中指出D-SIB清單將會每年發布,以作為區別監管的基礎,防止系統性風險。商業銀行、開發銀行及政策性銀行都屬於這一範圍。
該行又指,正式出台的《評估辦法》與徵求意見稿相比變化不大,並提醒著市場風險防範及支持中國金融系統,將會是監管機構下一階段的關注重點。該行認為,D-SIB的監管框架適用於大型銀行,對較小型的銀行而言,可能意味著更多的風險敝口。
另外,相信這消息已得到充分的預期,雖然如此,但最直接的影響將會是對D-SIB額外的1個百分點資本要求,這或會增加銀行體系的資本補充壓力。在該行所覆蓋的銀行中,相信民生銀行(01988.HK)及中信銀行(00998.HK)在面對此要求時會承受較大壓力。
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