稳妥推进兼并重组 抓好中小银行资本补充和改革化险
(抓)(好)(中)(小)(银)(行)(资)(本)(补)(充)(和)(改)(革)(化)(险) (支)(持)(中)(小)(银)(行)(防)(范)(化)(解)(风)(险)(是)(近)(年)(各)(地)(的)(重)(点)(工)(作)(之)(一)(。)(日)(前)(召)(开)(的)(中)(央)(金)(融)(工)(作)(会)(议)(强)(调)(,)(要)(全)(面)(加)(强)(金)(融)(监)(管)(,)(有)(效)(防)(范)(化)(解)(金)(融)(风)(险)(。)(同)(时)(提)(出)(,)(应)(及)(时)(处)(置)(中)(小)(金)(融)(机)(构)(风)(险)(。) (业)(内)(专)(家)(认)(为)(,)(一)(方)(面)(要)(全)(面)(强)(化)(监)(管)(;)(另)(一)(方)(面)(中)(小)(银)(行)(要)(坚)(持)(立)(足)(当)(地)(,)(进)(一)(步)(深)(化)(改)(革)(,)(完)(善)(公)(司)(治)(理)(。) (专)(项)(债)(发)(行)(再)(提)(速) (近)(日)(,)(河)(南)(省)(财)(政)(厅)(披)(露)(“)2023(年)(河)(南)(省)(支)(持)(中)(小)(银)(行)(发)(展)(专)(项)(债)(券)(—)(—)2023(年)(河)(南)(省)(政)(府)(专)(项)(债)(券)((五)(十)(九)(期))(”)(发)(行)(计)(划)(,)(将)(发)(行)(规)(模)282(亿)(元)(、)(期)(限)10(年)(的)(专)(项)(债)(,)(为)(河)(南)(省)(内)26(家)(中)(小)(银)(行)(提)(供)(资)(本)(补)(充)(。) (联)(合)(资)(信)(评)(级)(报)(告)(显)(示)(,)(这)(是)(今)(年)(以)(来)(该)(债)(种)(发)(行)(规)(模)(最)(大)(的)(一)(只)(债)(券)(。)(该)(期)(专)(项)(债)(券)(全)(部)(为)(新)(增)(债)(券)(,)(规)(模)(相)(当)(于)2022(年)(底)(河)(南)(省)(政)(府)(债)(务)(余)(额)(的)1.86%(。) 2020(年)7(月)(,)(中)(央)(允)(许)(地)(方)(政)(府)(专)(项)(债)(合)(理)(支)(持)(中)(小)(银)(行)(补)(充)(资)(本)(金)(,)(开)(辟)(了)(中)(小)(银)(行)(资)(本)(补)(充)(的)(新)(渠)(道)(。)(同)(年)12(月)(,)(支)(持)(中)(小)(银)(行)(专)(项)(债)(发)(行)(。)2021(年)(,)(中)(小)(银)(行)(专)(项)(债)(累)(计)(发)(行)(突)(破)2000(亿)(元)(,)2022(年)(发)(行)(速)(度)(有)(所)(回)(落)(。)(今)(年)(以)(来)(,)(专)(项)(债)(发)(行)(再)(次)(提)(速)(,)(截)(至)11(月)28(日)(,)(已)(有)15(个)(省)((市)(、)(区))(发)(行)(了)17(只)(专)(项)(债)(券)(,)(实)(际)(发)(行)(总)(额)(度)(超)1500(亿)(元)(,)(为)(去)(年)(全)(年)630(亿)(元)(实)(际)(发)(行)(总)(额)(的)(两)(倍)(多)(,)(平)(均)(发)(行)(利)(率)2.73%(。)(中)(小)(银)(行)(专)(项)(债)(累)(计)(发)(行)(已)(超)(过)4000(亿)(元)(。) (国)(家)(金)(融)(监)(督)(管)(理)(总)(局)(网)(站)(最)(新)(数)(据)(显)(示)(,)(截)(至)(今)(年)(三)(季)(度)(末)(,)(全)(国)(商)(业)(银)(行)(的)(资)(本)(充)(足)(率)(为)14.77%(,)(城)(商)(行)(、)(民)(营)(银)(行)(、)(农)(商)(行)(的)(资)(本)(充)(足)(率)(均)(位)(于)(行)(业)(整)(体)(水)(平)(以)(下)(,)(分)(别)(为)12.54%(、)12.15%(、)12.07%(。) (近)(年)(来)(,)(在)(金)(融)(科)(技)(助)(推)(之)(下)(,)(金)(融)(行)(业)(转)(型)(发)(展)(速)(度)(加)(快)(,)(大)(型)(商)(业)(银)(行)(加)(速)(下)(沉)(,)(一)(定)(程)(度)(上)(挤)(压)(了)(中)(小)(银)(行)(的)(生)(存)(空)(间)(,)(再)(加)(上)(部)(分)(中)(小)(银)(行)(数)(字)(化)(转)(型)(能)(力)(不)(足)(等)(原)(因)(,)(出)(现)(了)(经)(营)(困)(难)(情)(况)(。)(因)(此)(,)(发)(行)(中)(小)(银)(行)(专)(项)(债)(成)(为)(多)(地)(防)(范)(化)(解)(相)(关)(风)(险)(的)(重)(要)(举)(措)(。) (稳)(妥)(推)(进)(兼)(并)(重)(组) 2023(年)(第)(二)(季)(度)(银)(行)(业)(金)(融)(机)(构)(评)(级)(结)(果)(显)(示)(,)(高)(风)(险)(银)(行)(数)(量)(仅)300(余)(家)(,)(资)(产)(占)(全)(部)(银)(行)(的)(不)(到)2%(。)11(月)13(日)(,)(中)(国)(人)(民)(银)(行)(金)(融)(稳)(定)(局)(撰)(文)(称)(,)(持)(续)(推)(进)(中)(小)(银)(行)(改)(革)(化)(险)(,)(“)(一)(省)(一)(策)(”)(加)(快)(农)(村)(信)(用)(社)(改)(革)(,)(稳)(步)(推)(动)(村)(镇)(银)(行)(改)(革)(重)(组)(和)(风)(险)(化)(解)(。) (中)(国)(人)(民)(银)(行)(金)(融)(稳)(定)(局)(有)(关)(负)(责)(人)(表)(示)(,)(下)(一)(步)(,)(将)(强)(化)(金)(融)(保)(障)(体)(系)(建)(设)(,)(分)(类)(施)(策)(、)(及)(时)(处)(置)(高)(风)(险)(中)(小)(金)(融)(机)(构)(风)(险)(,)(切)(实)(防)(范)(风)(险)(跨)(区)(域)(、)(跨)(市)(场)(、)(跨)(境)(传)(递)(共)(振)(,)(牢)(牢)(守)(住)(不)(发)(生)(系)(统)(性)(风)(险)(的)(底)(线)(。) (不)(久)(前)(,)(在)(学)(习)(传)(达)(中)(央)(金)(融)(工)(作)(会)(议)(精)(神)(时)(,)(中)(国)(人)(民)(银)(行)(、)(金)(融)(监)(管)(总)(局)(均)(将)(化)(解)(中)(小)(金)(融)(机)(构)(风)(险)(作)(为)(重)(要)(工)(作)(之)(一)(。)(中)(国)(人)(民)(银)(行)(表)(示)(,)(要)(稳)(妥)(处)(置)(重)(点)(区)(域)(和)(重)(点)(机)(构)(风)(险)(;)(金)(融)(监)(管)(总)(局)(表)(示)(,)(要)(发)(挥)(专)(业)(优)(势)(、)(加)(强)(指)(导)(协)(调)(、)(把)(握)(节)(奏)(策)(略)(,)(及)(时)(处)(置)(中)(小)(金)(融)(机)(构)(高)(风)(险)(。) (股)(权)(转)(让)(、)(兼)(并)(重)(组)(是)(处)(置)(高)(风)(险)(中)(小)(金)(融)(机)(构)(的)(重)(要)(举)(措)(。)(目)(前)(,)(中)(小)(银)(行)(合)(并)(重)(组)(主)(要)(采)(用)(以)(下)4(种)(模)(式)(:)(一)(是)(区)(域)(内)(地)(方)(性)(银)(行)(合)(并)(;)(二)(是)(由)(省)(政)(府)(或)(省)(联)(社)(牵)(头)(的)(大)(并)(小)(,)(省)(联)(社)(不)(是)(经)(营)(实)(体)(,)(具)(有)(代)(理)(省)(政)(府)(对)(农)(信)(社)(进)(行)(管)(理)(、)(指)(导)(、)(协)(调)(和)(服)(务)(的)(行)(政)(功)(能)(;)(三)(是)(优)(势)(银)(行)(并)(购)(问)(题)(银)(行)(;)(四)(是)(村)(镇)(银)(行)(投)(管)(行)(模)(式)(。)(银)(行)(机)(构)(成)(立)(村)(镇)(银)(行)(投)(管)(行)(,)(进)(行)(村)(镇)(银)(行)(并)(购)(和)(整)(合)(,)(通)(过)(集)(中)(管)(理)(为)(村)(镇)(银)(行)(提)(供)(业)(务)(支)(持)(。) (不)(论)(采)(取)(哪)(一)(种)(模)(式)(,)(都)(需)(要)(稳)(妥)(推)(进)(。)(中)(国)(民)(生)(银)(行)(首)(席)(经)(济)(学)(家)(温)(彬)(表)(示)(,)(通)(过)(分)(类)(推)(进)(中)(小)(金)(融)(机)(构)(监)(管)(,)(针)(对)(风)(险)(暴)(露)(的)(机)(构)(“)(定)(点)(拆)(弹)(”)(仍)(是)(重)(点)(工)(作)(之)(一)(。) (识)(别)(风)(险)(强)(化)(监)(管) (早)(识)(别)(是)(及)(时)(处)(置)(中)(小)(金)(融)(机)(构)(风)(险)(的)(重)(要)(前)(提)(。)(据)(中)(国)(人)(民)(银)(行)(发)(布)(的)(《)(中)(国)(金)(融)(稳)(定)(报)(告)(2017)(》)(,)(两)(年)(多)(来)(,)(中)(国)(人)(民)(银)(行)(对)(全)(国)(金)(融)(机)(构)(首)(次)(开)(展)(了)(评)(级)(工)(作)(,)(从)(无)(到)(有)(进)(行)(了)(探)(索)(,)(评)(级)(结)(果)(客)(观)(地)(反)(映)(了)(投)(保)(机)(构)(的)(经)(营)(和)(风)(险)(状)(况)(,)(为)(差)(别)(费)(率)(核)(定)(和)(风)(险)(监)(测)(、)(早)(期)(纠)(正)(提)(供)(了)(重)(要)(依)(据)(。)2018(年)(,)(中)(国)(人)(民)(银)(行)(按)(季)(度)(开)(展)(金)(融)(机)(构)(评)(级)(工)(作)(,)(并)(对)(评)(级)(指)(标)(体)(系)(进)(行)(了)(完)(善)(。) (此)(后)(,)(中)(国)(人)(民)(银)(行)(定)(期)(披)(露)(金)(融)(机)(构)(评)(级)(结)(果)(。)2022(年)(四)(季)(度)(央)(行)(金)(融)(机)(构)(评)(级)(结)(果)(显)(示)(,)(央)(行)(完)(成)(了)(对)4368(家)(银)(行)(业)(金)(融)(机)(构)(的)(央)(行)(评)(级)(,)(我)(国)(银)(行)(业)(金)(融)(机)(构)(整)(体)(经)(营)(稳)(健)(,)(高)(风)(险)(机)(构)(较)2019(年)(峰)(值)(时)(压)(降)(近)(半)(,)(风)(险)(总)(体)(可)(控)(。)11(月)13(日)(,)(最)(新)(报)(告)(显)(示)(,)2023(年)(第)(二)(季)(度)(高)(风)(险)(银)(行)(数)(量)(仅)300(余)(家)(,)(资)(产)(占)(全)(部)(银)(行)(的)(不)(到)2%(。) (中)(小)(金)(融)(机)(构)(虽)(然)(总)(量)(不)(大)(,)(但)(数)(量)(众)(多)(,)(如)(果)(风)(险)(发)(现)(和)(处)(置)(不)(及)(时)(,)(也)(可)(能)(进)(一)(步)(引)(发)(系)(统)(性)(、)(区)(域)(性)(金)(融)(风)(险)(。)(我)(国)4000(多)(家)(银)(行)(业)(金)(融)(机)(构)(法)(人)(中)(,)(中)(小)(银)(行)(占)(到)(了)(银)(行)(数)(量)(的)80%(以)(上)(。)(因)(此)(,)(对)(于)(金)(融)(风)(险)(的)(发)(现)(和)(处)(置)(必)(须)(常)(抓)(不)(懈)(。) (中)(国)(银)(行)(研)(究)(院)(近)(日)(发)(布)(的)(研)(究)(报)(告)(提)(出)(,)(中)(央)(金)(融)(工)(作)(会)(议)(对)(未)(来)(中)(小)(金)(融)(机)(构)(改)(革)(化)(险)(工)(作)(进)(行)(了)(科)(学)(部)(署)(。)(会)(议)(提)(出)(的)(严)(格)(中)(小)(金)(融)(机)(构)(准)(入)(标)(准)(和)(监)(管)(要)(求)(,)(是)(要)(通)(过)(设)(立)(较)(高)(的)(准)(入)(门)(槛)(,)(强)(化)(事)(前)(审)(慎)(监)(管)(,)(严)(格)(股)(东)(资)(质)(审)(查)(和)(监)(管)(指)(标)(要)(求)(,)(提)(升)(公)(司)(治)(理)(能)(力)(,)(保)(证)(金)(融)(风)(险)(持)(续)(可)(控)(。)(同)(时)(,)(鼓)(励)(中)(小)(金)(融)(机)(构)(立)(足)(当)(地)(开)(展)(特)(色)(化)(经)(营)(,)(也)(就)(是)(通)(过)(规)(范)(中)(小)(金)(融)(机)(构)(区)(域)(内)(经)(营)(管)(理)(,)(避)(免)(风)(险)(跨)(区)(域)(传)(染)(,)(推)(动)(各)(机)(构)(立)(足)(区)(域)(资)(源)(、)(产)(业)(禀)(赋)(优)(势)(,)(突)(出)(扎)(根)(地)(方)(、)(服)(务)(当)(地)(的)(经)(营)(特)(色)(,)(用)(好)(用)(活)(当)(地)(市)(场)(资)(源)(,)(提)(升)(差)(异)(化)(竞)(争)(能)(力)(。) (“)(在)(监)(管)(方)(面)(必)(须)(严)(格)(控)(制)(股)(东)(资)(质)(审)(查)(,)(推)(进)(中)(小)(金)(融)(机)(构)(分)(类)(监)(管)(,)(经)(营)(方)(面)(要)(鼓)(励)(中)(小)(金)(融)(机)(构)(依)(托)(区)(域)(发)(展)(特)(色)(和)(中)(小)(微)(企)(业)(融)(资)(需)(求)(,)(聚)(焦)(重)(点)(客)(群)(,)(开)(展)(特)(色)(化)(、)(精)(细)(化)(、)(差)(异)(化)(经)(营)(。)(”)(温)(彬)(说)(。) (陆) (敏) (【)(编)(辑):(叶)(攀)(】) ,NIGcvdvevr0
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