穆迪:银行不良资产处置新政增加个体信用风险
中银保监日前发布《关於开展不良贷款转让试点工作的通知》,同意银行业信贷资产登记流转中心试点开展单户对公及个人批量不良资产转让。国际评级机构穆迪表示,中国不良资产管理公司在区域性银行重组中正在发挥越来越大的作用,反映出其在支持银行处置和改革过程中的战略重要性,但是亦可能导致其资产风险和杠杆上升,令其个体信用状况承压。
穆迪指,除了收购不良资产之外,中国不良资产管理公司在银行重组中承担更大范围的职能,包括完善运营与公司治理、支持资本补充,以及提供清算程序顾问服务,而尽可能降低不良资产对银行体系的冲击。
穆迪认为,不良资产管理公司未来将对银行系统发挥更大影响,协助政府在防范银行风险蔓延及加强对市场约束中取得平衡。
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