惠誉内银面对净息差压力
评级机构惠誉高级董事兼大中华区银行评级主管胡月明表示,内地银行面对资金成本压力,加上需要提供优惠利率予内地企业以支持内地经济增长,预计今年内银净利息收益率仍会受压,小型银行面对的压力尤其较大。
资产质素方面,银行将会进一步进行不良贷款分类,同时为目前负债表内的不良贷款作出撇帐。而由於内银资本充足率一直维持於足够水平,相信未来一段时间信贷难以录得大幅增长。
至於包商银行遭接管事件,胡月明指相信是迈向提高透明度与资讯披露的一步,不过目前仍未能确定会否整体改善这一类表现较弱银行的治理情况,同时降低对系统造成的风险。
惠誉去年因中港金融活动更加频繁而下调香港银行经营环境评分,胡月明指目前本港银行仍然具有足够风险缓冲,相信中港之间金融活动仍将会增加。
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