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惠譽:調升大部分中資中型銀行展望至「正面」 風險狀況改善
評級機構惠譽預計,中資中型銀行經營環境總體穩定,風險偏好逐步下降。若其風險偏好持續下降,將有助於降低其內在信用風險並增強資本緩衝。上述因素疊加趨嚴的不良貸款確認標準及積極的不良貸款處置措施,有望提升中型銀行在整個經濟周期中的韌性。 在最近的評級行動中,惠譽將授評的大部分中資中型銀行的風險狀況和資產質量評分展望從「穩定」調整至「正面」,反映出這些銀行的影子銀行活動減少且增長偏好更加審慎。若相關舉措得以持續,上述評分有望進一步上調。 惠譽指,適度且更高效的信貸增長也應有助於在中長期內維持銀行系統槓桿率的穩定,支撐中資銀行bbb-/穩定的經營環境評分。如果經濟增長顯著放緩且出台大規模信貸刺激等政策舉措,可能對銀行經營環境評分和生存能力評級產生負面影響,但這並非惠譽的基準情景假設。
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