April 11, 2017 / 2:27 AM / 9 months ago


(The following statement was released by the rating agency) Link to Fitch Ratings' Report: China’s City Commercial Banks Systemically Important here TAIPEI/HONG KONG, April 10 (Fitch) 本文章英文原文最初於2017年4月9日發布于:<a href="https://www.fitchratings.com/site/pr/1021948">Fitch: Rising Vulnerabilities at China's City Commercial Banks 惠譽評級表示,中國城市商業銀行在過去十年內快速增長,使其系統重要性增強,並導致系統性風險升高。 城商行逐漸增加其非貸款類金融產品占資產結構的占比以提升收益率,加上其流動性較弱、資本緩衝能力較低,使得城商行比大型銀行更容易受到金融系統波動的影響。城商行曝露于 溢出效應和傳染風險的程度加劇,而其獲取及時的流動性支持的能力也較不明確。城商行系統重要性的增強意味著累積在該領域的風險將可能導致整體的系統性風險加劇。 由於地方政府直接或間接地持有對城商行的所有權,且城商行的地域和行業集中度較高,使得此類銀行受到顯性及隱性影響的程度極高。支持當地經濟的融資需求可能會與健全的公司 治理和審慎風險管理有所衝突,並影響銀行自身的獨立信用狀況。 惠譽認為,地方政府支持城商行的意願強烈,但地方政府提供支持的能力各不相同,並可能受限於其有限的自身財政實力和中國的財政制度。在沒有發生系統性危機的情況下,惠譽認 為中央政府會願意提供及時和充足的一般支持給個別銀行,以控制傳染風險。然而,惠譽對支持的評估是針對銀行在出現系統性危機時獲得特殊支持的可能性。在此情景下,城商行所 在的城市對於國家的相對重要性、以及城商行對於地方經濟的重要性,將是決定國家支持意願的關鍵性因素。 聯繫人: Katie Chen(陳冠如) 董事 +886 2 8175 7614 澳洲商惠譽有限公司台灣分公司 台北敦化北路205號13層1306室 Grace Wu(胡月明) 高級董事 +852 2263 9919 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: wailun.wan@fitchratings.com. 詳情參見<a href="https://www.fitchratings.com">www.fitchratings.com 注意:本新聞稿為中文譯本。如有疑問,請以英文版本為準。 ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. 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