在线词典,在线翻译

中国工商银行积极淡化信贷风险

所属:财经报道 阅读:2395 次 评论:0 条 [我要评论]  [+我要收藏]

小编摘要:全球市值最大的银行——中国工商银行(ICBC)董事长姜建清在接受英国《金融时报》采访时承认,向地方政府控制的开发公司无节制地放贷,确实对中国经济构成一定的风险。


中国最大的银行在金融危机爆发后的信贷宽松期间向地方政府放贷6400亿元人民币,但坚称这些贷款对中国的银行体系并不构成危险。
China’s largest bank lent Rmb640bn to local governments in the post-crisis credit boom, but insists that these loans do not pose a danger to the country’s banking system.
全球市值最大的银行——中国工商银行(ICBC)董事长姜建清在接受英国《金融时报》采访时承认,向地方政府控制的开发公司无节制地放贷,确实对中国经济构成一定的风险。
In an interview with the Financial Times, Jiang Jianqing, chairman of Industrial and Commercial Bank of China, the world’s biggest bank by market capitalisation, acknowledged that unbridled lending to development companies controlled by local governments did carry some risk for the economy.
这些开发公司目前在工行的贷款账目上占10%的比重。2008年全球金融危机爆发后,中国各银行差不多将放贷活动翻了一番。
The development companies now account for 10 per cent of ICBC’s loan book. In the aftermath of the 2008 global financial crisis, Chinese banks roughly doubled their lending activity.
“人们关注这个问题是重要的,我们应当对由此产生的风险保持警觉,”姜建清表示。“(但)我不相信这个问题对中国的银行体系构成了系统性风险。”
“It is important that people pay attention to this problem and we should be alert to the risks,” Mr Jiang said. “[But] I don’t believe this problem poses a systemic risk to the Chinese banking system.”
他补充说:“我的信念是,不出三年,我们就能顺利解决这个问题。三年内我们希望放贷完全恢复到正常(危机前的水平)。”
He added: “It is my belief that within three years we will have solved this problem smoothly. Within three years we want lending to fully return to normal [pre-crisis levels].”
中国的地方政府不得发售债券或直接向银行借款,因此近年来,它们设立了数以千计称为“地方政府融资平台”的开发公司,为基础设施和房产项目筹资。北京方面在出台4万亿元人民币刺激方案以对抗2008年危机的影响时,最初对这种做法没有提出异议。
Local governments in China are not allowed to sell bonds or borrow directly from banks so in recent years they have set up thousands of “local government finance platforms” – as the development companies are known – to raise money for infrastructure and real estate projects. When Beijing launched a Rmb4,000bn stimulus package to combat the effects of the 2008 crisis, it initially turned a blind eye to this practice.
这种“先放贷,以后清理乱局”的政策引发了许多分析师和银行家的忧虑,他们担心这可能导致不良贷款数量激增。中国银监会似乎也产生了新的看法。
This “lend first, clean up the mess later” policy raised concerns among many analysts and bankers that it could lead to a spike in the number non- performing loans. The China Banking Regulatory Commission also appeared to have second thoughts.
去年4月,银监会主席刘明康称这些开发公司是一个令人担忧的大问题,并下令各国有银行递交“全面的”贷款账目评估报告。
In April the CBRC’s chairman, Liu Mingkang, cited the development companies as a major concern and ordered state banks to submit “comprehensive” reviews of their loan books.
监管机构还起草了严格的资本金要求,包括提高资本充足率,并把拨备率从未偿还贷款总额的1%提高至2.5%。
Regulators also drafted tough capital requirements. These included higher capital adequacy ratios and an increase in general provisions to 2.5 per cent of total outstanding loans, up from 1 per cent previously.
但姜建清辩称,在对地方政府融资平台的放贷中,不良贷款率不到0.3%。他预期,工行向这些平台贷出的6400亿元人民币中的20%到今年底将得到偿还。“过去几十年期间,国外有不少预言家预测中国经济将出现危机,但这些都从未成真,”姜建清表示。“事实和现实每次都证明这些预言家错了,但他们继续热衷于做出各种预测。”
But Mr Jiang argued that the non-performing loan ratio on lending to local government finance platforms was less than 0.3 per cent, and that he expected 20 per cent of the Rmb640bn his bank had lent to them to be repaid by the end of this year. “In the last few decades many prophets from abroad have predicted a crisis in the Chinese economy but it hasn’t happened,” Mr Jiang said. “Facts and reality have proved them wrong every time but they continue to love to make predictions.”
中国农业银行(ABC)董事长项俊波在另一个场合呼应了姜建清的看法。
Separately, Xiang Junbo, chairman of Agricultural Bank of China, echoed Mr Jiang’s assessment.
1
2011-03-31 11:36 编辑:icetonado
分享到:
关注海词微博:
发表评论:
表达一些您的想法吧!已有0条评论>>
登录,再发表评论
文明上网,理性发言!
>>精华推荐阅读
热门评论文章