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威廉希尔:中国银行业风险仰首

2020-03-13 16:07  来源:原创   字号:T | T

  

  China's top banking regulator on Friday warned of growing risks to the country's financial system as a result of an unprecedented expansion in new loans and urged the country's lenders to improve their internal management.

  The statement by Liu Mingkang, chairman of the China Banking Regulatory Commission, may signal a more assertive stance from the body in the build-up to a top-level Communist party meeting scheduled for November that will set the country's economic agenda for the coming year.

  Chinese financial institutions extended Rmb8,185bn ($1,199bn) in local currency loans in the first eight months of this year, an increase of 164 per cent from the same period in 2008, a credit binge analysts say has been facilitated by a serious relaxation in lending standards.

  “This year, all kinds of risks have arisen in the banking sector along with the rapid credit expansion,” said Mr Liu in a written statement. “Banking institutions should always stick to the bottom line of compliance management, to lay a solid foundation for risk management.”

  For most of this year, the CBRC has been an almost lone voice within the government urging caution over the rapid loan growth and the potential for a future shock to the system.

  China's economic recovery has been largely fuelled by the flood of credit from the state-controlled banks but this has prompted fears of fresh bubbles forming in the property and equities markets and raised the prospect that growth could falter as lending returns to a more sustainable level.

  “This is a high-risk strategy, since in prior eras, massive Chinese loan growth eventually led to massive Chinese non-performing loans and a banking sector that had to be recapitalised,” Michael Cembalest, chief investment officer at JPMorgan Global Wealth Management, said in a recent report.

  “The removal of loan quota limits once the global recession hit may have unleashed a torrent of relaxed underwriting standards that will not be visible until the next downturn.”

  中国银行业最高接管机构上周五正告,鉴于新增存贷款的绝后扩张,中国金融体系面对的风险正日浸添加以。该机构促使中国国际银行增强大本身的外面部办。

  中国银监会(CBRC)主席威廉希尔的音皓,能标注皓了在定于早年11月举行的共产党高层会前夕,银监会所采取的更为坚硬定的立脚点。11月份的会将决定中国到来年的经济日程。

  早年前8个月,中国金融机构共发放人民币存贷款8.185万亿元人民币(合1.199万亿美元),较上年同期增长164%。剖析师称,存贷款规范的严重松触动滋长了此次信贷狂风潮。

  威廉希尔在壹份封皮音皓中体即兴:“早年以后到,遂信贷下快快添加以,银行业各类风险拥有所仰首……银行业金融机构要壹直据守合规经纪底儿子线,为风险办打下坚硬固基础。”