銀行業重啓不良資產證券化 六大銀行參與試點

China has restarted nonperforming asset securitization after halting the business in 2009.

在2009年暫停之後，中國現在將重新啓動不良資產證券化。

The five largest commercial lenders in the country－Industrial and Commercial bank of China Ltd, China Construction Bank Corp, Agricultural Bank of China Ltd, Bank of China Ltd and Bank of Communications Co Ltd－plus China Merchants Bank Co Ltd, the first shareholding commercial lender wholly owned by corporate legal entities, are reportedly carrying out the trial program.

中國五家最大商業銀行，中國工商銀行、中國建設銀行、中國銀行、中國交通銀行、中國農業銀行以及中國第一家完全由企業法人持股的股份制商業銀行招商銀行將作爲試點機構。

Reuters reported the regulators set a quota of 50 billion yuan ($7.6 billion) in total on the trial, but according to Economic Information Daily, a newsPAper run by Xinhua News Agency, the regulators did not specify a quota for the entire program.

路透社報道稱，監管層對不良資產證券化總試點額度爲500億元。但據新華社下屬機構《經濟參考報》稱，監管層對整體試點額度並沒有明確指標。

Bank of China is reportedly making the fastest progress among the six banks. It launched NPA securitization last year, submitted its plan on relevant products to the regulators, and is now adjusting its quota on the issuance of bad asset-backed securities according to the regulators' requirement.

在上述六家銀行中，中行據報道是最快採取行動的，其不良資產證券化進程已於去年啓動，目前，相關產品方案已經報送到監管層，而發行額度也應監管部門要求在調整中。

Two other major banks also started their own trial and confirmed the lead underwriter recently, the newspaper reported. None of the six banks replied for comment.

《經濟參考報》稱，另外兩家主要銀行也於不久前啓動了不良資產證券化的試點工作，並在最近確定了主承銷商。但是上述六家銀行都沒有就此問題迴應。

Nonperforming loans have been on the rise in China for 17 consecutive quarters, according to statistics from the China Banking Regulatory Commission. By the end of December, the outstanding NPLs of commercial banks increased by 51 percent year-on-year to 1.27 trillion yuan. During the same period, the NPL ratio went up 42 basis points to 1.67 percent.

根據中國銀行業監管委員會的數據顯示，商業銀行不良貸款額連續17個季度上升。截止去年12月，中國商業銀行的不良資產總額同比上升了51%，達1.27萬億元。同一時期，不良資產率上升了42個基點，達1.67%。