標普:內地信託業清退違規產品已近尾聲
據《證券時報》報道,標普全球評級認為,中融信託發行的多款信託產品在到期時出現逾期兌付,引發市場擔憂,但出現壓力的信託產品僅代表整個金融體系的一小部分資產,事件影響向更廣泛的銀行業傳染的風險有限。
報道引述標普全球評級信用分析師鐘怡然表示,內地信託業仍在持續銷售潛在資金池類產品,這是2018年監管機構修改資管業務管理辦法以來被清理整頓的行為,可能源於監管機構延長了信託業退出個別產品的寬限期。
報道指,2020年以來,遺留的影子銀行規模(例如融資類理財產品)已從峰值下降近一半至3萬億元人民幣(下同),相對中國銀行體系內近400萬億元資產而言依然較小。2018年推出的資管新規定義了資產管理公司允許發行的產品類型,這使得行業遠離了某些高風險操作和產品。資管新規還規定了資產管理公司不能保證收益,投資者須承擔投資失敗造成的損失。
標普指出,信託公司清理違規工具的速度往往較慢,或是因為他們獲得了寬限期來退出某些產品類別。該行認為信託公司仍將面臨向客戶償付主動管理型融資類信託產品的壓力。報道引述鐘怡然表示,看見的是信託行業清退違規產品的尾聲。
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