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人行:續支持中小銀行發永續債 鼓勵通過權益市場融資
人民銀行發布《關於推動建立金融服務小微企業敢貸願貸能貸會貸長效機制的通知》表示,鼓勵金融機構在依法合規、風險可控前提下,通過信貸資產證券化等方式,盤活存量信貸資源。通過加大利潤留存、適當控制風險資產增速等,增加內生資本補充。繼續支持中小銀行發行永續債、二級資本債,配合有關部門指導地方政府用好新增專項債額度合理補充中小銀行資本,鼓勵資質相對較好的銀行通過權益市場融資,加大外源資本補充力度。 通知指出,要健全容錯安排和風險緩釋機制,增強敢貸的信心。各銀行業金融機構要探索簡便易行、客觀可量化的盡職免責內部認定標準和流程,推動盡職免責制度落地。加快構建全流程風控管理體系,提升小微企業貸款風險識別、預警、處置能力。落實好普惠小微貸款不良容忍度監管要求,優先安排小微企業不良貸款核銷等。
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