惠譽博華:「商業銀行資本管理辦法」正式稿有助提升銀行資本水平
惠譽評級旗下惠譽博華表示,國家金融監督管理總局正式發布《商業銀行資本管理辦法》正式稿,自2024年1月1日起正式實施。相比年初發布的《商業銀行資本管理辦法(徵求意見稿)》,是次正式稿對對標準法下部分風險暴露項目的信用風險權重進行了調整,預期多數大中型商業銀行資本節約效果更為明顯。
惠譽博華評級表示,整體而言,正式稿以資本節約調整為主,損失準備計提增加形成的資本壓力亦通過過渡期的設置起到了一定的緩和作用。在對樣本上市銀行進行調整測算後,惠譽博華預計,正式稿實施起,商業銀行資本水平可望有所提升,其中大中型商業銀行的資本節約效果將更加顯著。(ca/u)
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