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惠譽:美國銀行倒閉事件凸顯亞太區銀行風險抵禦能力
阿思達克 03-17 15:37
惠譽評級表示,其授評的亞太地區銀行評級組合對矽谷銀行及Signature Bank的直接風險敞口較爲有限。而導致這兩間銀行倒閉的風險因素已經納入惠譽對該地區銀行的評級考量,此等因素通常被亞太地區的結構性因素所抵銷,包括監管框架及政府在必要時將提供流動性支持的預期。 惠譽認爲,存款的質素和持續性是銀行信用評級的一個重要考慮因素,特別是在銀行流動性急劇收緊,以及存款擠兌迫使銀行出售資產,導致未實現損失變現的情況下尤爲如此。 惠譽授評的亞太地區銀行中,極少數銀行的客戶集中度達到足以使SVB陷入擠兌風險的程度。蒙古的銀行業集中度高於平均水平,主要原因是該國的資源行業佔據經濟主導地位,其銀行業經營環境得分爲「b」已反映了這一特徵。 惠譽又認爲,亞太地區的數碼銀行可能會面臨較高的存款波動風險。但是,惠譽授評的兩家亞太地區數字銀行的評級受其母行在必要時將提供特別支持預期的驅動,從而大大緩釋風險的嚴重程度。惠譽亦認爲,亞太地區銀行的證券組合估值風險仍基本可控,儘管其中印度和日本區域的敞口最大。
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