中國銀保監:持續壓降高風險影子銀行業務 防止通過交叉性金融產品無序加槓桿
據《上海證券報》報道,中國銀保監會副主席樑濤在「2022青島-中國財富論壇」上強調,要加強類信貸影子銀行的風險監測,持續壓降高風險影子銀行業務;嚴禁多層嵌套、資金空轉、脫實向虛、僞金融創新等行爲;金融機構要認真貫徹落實資管新規,按時完成銀行理財、信託等存量個案資管業務整改,防止再次通過交叉性金融產品無序加槓桿。
他坦言,雖然近年來影子銀行治理成效顯着,但部份產品結構複雜,槓桿水平高,隱藏的風險依然較大。一些銀行對錶內的非標投資風險管理不到位,資產分類和撥備計提標準顯着低於表內貸款。部份高槓杆企業藉助非持牌機構登記發行所謂的融資計劃獲得資金,穿透後實質爲企業的自融安排,隱蔽性、涉衆型強。
他還提出,要積極應對人口老齡化,通過提供養老理財等金融產品,解決居民在不同生命階段收入與支出的平滑問題,滿足居民多層次的養老需求。
樑濤表示,截至2021年末,理財存量整改基本完成。經過持續整治,內地類信貸影子銀行風險明顯收斂,存量資產大幅壓降。截至2022年6月末,規模較歷史高峯壓降超過29萬億元人民幣。(ta/w) ~
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