@ice_招行谷子地 怎么看？到2024年，中国最大的银行将面临9400亿美元的资金短缺

China’s Biggest Banks Face $940 Billion Capital Shortage by 2024

Bloomberg News

2020年8月26日 GMT+8 下午12:33

标准普尔全球评级（S＆P Global Ratings）称，中国四大贷方正面临着数万亿元人民币的资金缺口，以满足全球资本要求，这些要求旨在保护公众和金融体系免受大规模银行倒闭的影响。

China’s four largest lenders are facing a funding gap in the trillions of yuan to meet global capital requirements designed to protect the public and the financial system against massive bank failures, according to S&P Global Ratings.

中国工商银行股份有限公司，中国银行股份有限公司，中国建设银行股份有限公司和中国农业银行股份有限公司，均被视为具有全球系统重要性的银行，去年总计短缺2.25万亿元人民币（3230亿美元）标普在周三的一份报告中表示，为了遵守总亏损吸收能力。该评级公司表示，随着大流行侵蚀其盈利能力，到2024年，这一数字可能增长至6.51万亿元。

Industrial and Commercial Bank of China Ltd., Bank of China Ltd., China Construction Bank Corp. and Agricultural Bank of China Ltd., all considered globally-systematically important banks, last year had a total shortage of 2.25 trillion yuan ($323 billion) to comply with the total-loss absorbing capacity, S&P said in a report on Wednesday. The may grow to as much as 6.51 trillion yuan by 2024 as the pandemic erodes their earnings capacity, the ratings firm said.

标准普尔分析师迈克尔·黄（Michael Huang）在报告中表示：“四大银行与全球亏损吸收标准的同步对投资者而言是一个关键主题，因为这会影响资本结构，融资成本以及重要的是提供超常支持的机制。”

“The Big Four banks’ synchronization with global loss-absorbing standards is a key topic for investors, because it influences capital structure, the cost of funding, and importantly, the mechanism for extraordinary support,” S&P analyst Michael Huang wrote in the report.

由于不良贷款攀升至创纪录水平，中国1000多家商业银行的综合收益在第二季度至少创下了十年来的最低点。大型国有银行受到政府的重创，挽救经济并帮助陷入困境的小型企业受到重创。当局已敦促贷方筹集资金并加强资本缓冲。

Combined earnings at China’s more than 1,000 commercial banks slumped the most in at least a decade in the second quarter as bad loans climbed to record. The big state-owned banks were among the hardest hit as they were called on by the government to salvage the economy and help struggling small businesses. The authorities have urged lenders to raise funds and strengthen capital buffers.

到2025年1月1日，新兴市场中具有全球系统重要性的银行或G-SIB必须拥有可“保释”至少相当于风险加权资产16％的债务和工具，到2028年将增至18％，根据由20个国家组成的金融稳定委员会的说法。发达市场的银行在2019年达到了第一阶段。

Global systemically important banks, or G-SIBs, in emerging markets must have liabilities and instruments available to “bail in” the equivalent to at least 16% of risk-weighted assets by Jan. 1, 2025, rising to 18% in 2028, according to the Financial Stability Board, created by the Group of 20 nations. Banks in developed markets met the first phase in 2019.

在某些情况下可以加快该时间表。中国银行在实施方面一直落后于世界其他地区。

That time line could be accelerated under certain conditions. Chinese banks have been behind the rest of the world in terms of implementation.

—查理·朱和Jun Luo 协助