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                                【信科】不良資產證券化冰封八年重啟 中行招行先行

                                時間:2016-05-31   來源:北京商報  作者:孟凡霞  字號:小中大

                                受美國次貸危機影響戛然而止的商業銀行不良資產證券化正式重啟。昨日,中國銀行、招商銀行雙雙發布不良資產證券化項目,兩期項目發行日均定于5月26日。在經濟增速放緩、銀行飽受壞賬困擾之時,不良資產證券化的重啟將能夠拓寬銀行處置不良資產的手段與融資方式,加快處置效率。


                                中國債券信息網公告顯示,中國銀行發行的“中譽2016年第一期不良資產支持證券”,規模3.01億元;招商銀行發行的“和萃2016年第一期不良資產支持證券”,規模2.33億元。從規模上來看,兩家銀行的首款不良資產證券化產品規模均不大,這也與此前業內預期的“小規模試水”相符。

                                從資產池的配置來看,兩款產品均包括優先檔和次級檔,其中,中譽一期優先檔占比78%,次級檔占比22%;和萃一期優先檔和次級檔比例分別為80.69%和19.31%。


                                隨著近年來國內經濟增速放緩,銀行不良貸款率逐季上升。截至2015年末,我國商業銀行的不良貸款余額總計已達到1.27萬億元,另一方面,商業銀行利潤增長率普遍下滑,國有銀行甚至逼近零增長,從利潤計提撥備無疑將更加降低凈利潤規模。如何消化快速增長的不良貸款,對于商業銀行來說是一個亟待解決的問題。


                                雖然不良資產證券化已正式重啟,但在業內人士看來,資產證券化的效用有限,初期不良資產證券化的規模可能不會很大。此前,國務院批準6家商業銀行500億元的不良資產證券化試點額度,也表明監管層對該業務重啟的態度比較謹慎。央行行長周小川此前也曾表示,不應夸大不良資產證券化效果,并強調風險自擔。一位分析人士表示,由于市場不成熟、成本較高、定價難等問題,資產證券化這一模式在短期內不會成為銀行處置不良資產的主流模式。

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                                什么是不良資產證券化


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