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惠譽預期內銀行業今年仍面臨持續資本壓力 需要加快化解風險
評級機構惠譽表示,最新中國銀行業壓力測試結果顯示,雖然各銀行在抵禦外部沖擊的能力上存在顯著差異,但預期整個行業今年仍將面臨持續的資本壓力,預計較弱勢的中小型銀行今年需要加快風險化解,包括加快降低不良貸款率及補充資本等,並要更堅定地實施金融體制改革,以集中監管及降低系統性風險。 目前惠譽預期,所有大型國有銀行及大多數惠譽評級的股份制商業銀行,仍有能力抵禦輕微的經濟沖擊。壓力測試顯示,在經濟溫和下滑的情況下,19家D類系統重要性銀行的平均資本充足率將從2022年底的16.3%,下降到2025年底的14.5%。
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