銀行須少炒賣, 多做正務 !
finance.yahoo.com[Bloomberg] Alfred Liu
China’s
banking regulator told the nation’s city banks to learn the lesson
of the global financial crisis and get back to their traditional
businesses, building pressure for the lenders to curb opaque shadow
financing.
“City
commercial banks should change as soon as possible the situation of
allocating more funds into investing than lending, and developing their
off-balance-sheet businesses too fast,” Shang Fulin, the chairman of
the China Banking Regulatory Commission, said in a transcript posted on the agency’s website.
Shang’s
speech to a city commercial bank conference was dated last Friday. He
urged the lenders to stick to the principle of simplifying and going
back to their “main” businesses, citing this as the mainstream approach
around the world in the aftermath of the global financial crisis.
Bank of Tangshan is a prominent example of
the off-loan-book wizardry that turbo-charges the growth of some small
and mid-sized banks. Traditional loans accounted for less than a quarter
of the lender’s assets and a “marginal proportion” of credit risk, UBS
Group AG said in a report in June. The lender declined to comment when
Bloomberg reported on the bank in August.
“The
city commercial banks should be aware that they neither have the
ability nor the negotiating edge to compete with the big banks” in
arranging financing for big clients, Shang said.
Dotted
across China from Harbin in the north to the tropical island of Hainan
in the south, the nation’s more than 130 city commercial banks have
piled into shadow lending just as bad loans are rising. Shang’s comments
add to efforts by the government to contain the risks.
One
of the next of the smaller lenders to tap capital markets may be Bank
of Shanghai Co. The bank said that it plans to raise at least 10.5
billion yuan ($1.6 billion) in an initial public offering in Shanghai to
boost capital.
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