穆迪下調美國銀行業前景至負面 指經營環境迅速惡化
評級機構穆迪將美國銀行體系的前景展望由穩定下調至負面,稱銀行業的經營環境迅速惡化。
穆迪報告稱,下調主要是反映美國矽谷銀行及兩間加密銀行Silvergate和Signature Bank倒閉及存款擠提的情況,雖然美國政府出手協助,但穆迪稱,有大量證券損失,加上及非零售、未投保的美國銀行存戶,加大銀行間的存戶競爭,以及資金外流,將對資金、流動性、收益和資本產生不利影響。
穆迪預計美聯儲將繼續加息,預計銀行存款成本急劇上升的壓力將持續存在,將減少銀行收益,尤其是固定利率資產的銀行。
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