为何这些州市纪委书记被省纪委省监委约谈?

长春市1个月前39511浏览0评论

华夏时报 记者 付乐 冉学东 北京报道

小罗(化名)早年间在上海创业,靠自己的努力赚到了人生的第一桶金,并在上海贷款买了房。2020年,其生意急转直下,他已然负担不起每个月两万元的房贷。无奈之下,小罗关掉生意,找了份送快递的工作。“每个月赚的只够生活费,还要还信用卡,根本还不起房贷,也拉不下脸跟父母要钱。”小罗说,“我只能不断套现信用卡,拆东墙补西墙。现在每天一睁眼,就像有一座大山压在身上。”

负债人的压力会直接反映到数据上。今年三季度,部分股份行信用卡不良率较上年末出现上升。例如、三季度信用卡不良率较上年末分别上涨0.16个百分点、0.02个百分点。

行业人士指出,我国银行业在处置不良资产方面具备丰富经验,手段基本和国际接轨,比如通过不良资产证券化(ABS)、债转股、信贷资产收益权转让等新型不良资产处置方式。根据中国债券信息网数据不完全统计,年内多家银行通过资产证券化及信贷资产收益权转让处置近900亿元信用卡不良资产。

部分股份行三季度信用卡不良率升高

财报显示,三季度,部分股份行信用卡不良率较上年末出现上升。

截至三季度末,招商银行信用卡贷款不良贷款率1.67%,较上年末上升0.02个百分点;信用卡逾期贷款率3.11%,较上年末下降0.08个百分点。信用卡新生成不良贷款270.74亿元,同比增加57.58亿元。

平安银行三季报显示,截至三季度末,平安银行信用卡不良率2.27%,较上年末上涨0.16个百分点。

此外,、、渤海银行等股份行未在三季报中披露信用卡贷款不良率情况。而2022年上半年股份行信用卡不良率多有不同程度的上升,其中兴业银行较2021年底上升了0.44个百分点,达2.73%。民生银行信用卡不良率为2.95%,较2021年底持平。

波士顿咨询公司合伙人兼董事总经理何大勇对《华夏时报》记者表示,银行信用卡不良上升,不仅受疫情疫情影响,也受行业逻辑和短期经济环境等因素制约。

他进一步表示,在行业逻辑上,不良率上升是信用卡发展进入存量博弈阶段的必然结果。据BCG研究,银行目标客群的信用卡渗透率已达80%以上,且客均持卡银行数超过4家,该阶段信用卡业务具有规模低速增长、客群持续下沉两大特点,规模放缓会使不良加速暴露,而客群下沉,将不断推高信用卡风险水平。

“不良率上升,信用卡利润空间持续收窄,将成为不可逆转的行业特点。在短期环境上,国内疫情多点频发与全球经济进入紧缩周期共振,持卡人中的高杠杆人群可能先行暴雷。”他分析说。

加速发行信用卡不良ABS

为缓解不良压力,银行纷纷发行信用卡不良资产支持证券,以提高资金使用效率,降低不良资产。9月以来,银行发布信用卡不良债权ABS的步伐开始加快。《华夏时报》记者根据中国债券信息网不完全统计发现,年内各大银行约发行25期,9至11月的三个月间就发行了18期,占全部发行总量的七成以上。

具体来看,9月15日,中国债券信息网显示,将发行4.83亿元,基础资产均为个人信用卡不良贷款,入池资产本息费为77.64亿元,入池本金总额为64.61亿元,涉及17.7万户借款人。

11月14日,中国债券信息网发布《福鑫2022年第一期不良资产支持证券发行文件》,将发行1.6亿元信用卡不良债权ABS,本期资产支持证券项下的基础资产涉及4.7万户借款人,4.8万笔资产,涉及全部未偿贷款本息费总额为26.27亿元。

11月17日,《鸿富2022年第五期不良资产支持证券发行文件》发布,民生银行将发行5900万元信用卡不良债权ABS,本期资产支持证券项下的基础资产涉及4.6万户借款人,4.8万笔资产,全部未偿贷款本息费总额为28.42亿元。

《华夏时报》记者不完全统计发现,今年以来,多家银行通过资产证券化及信贷资产收益权转让处置近900亿元信用卡不良资产。

何大勇分析,信用卡不良ABS出表,相较传统不良核销处置方式优势明显,可提效资产利用率,提高卡中心盈利表现。

“首先是加快现金回收,不良ABS发行后,银行即可获得现金流,并可计入当年收入。其次是节省拨备成本,不良核销后,可对应节省拨备资金占用。最后能降低融资成本,特别在今年,资本市场流动性充沛,ABS发行成本已低于大多数城商行和少数尾部股份行的综合融资成本。”他表示。

他进一步表示,发布信用卡不良债权ABS也可提升核销处置的灵活性,为卡中心运营提效。根据《金融企业呆账核销管理办法》,传统不良贷款的核销流程,在处置方式和时间上均有严苛的要求。

“例如,逾期金额超过5万元的,需要追索超过1年方可核销,逾期金额超过10万元的,还需额外完成法律诉讼,而不良ABS出表即视为核销,出表后续的追索方式。银行可依据实际效果选择最优路径,具有更高的灵活性。”何大勇解释说。

责任编辑:孟俊莲 主编:张志伟

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