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民银智库《每周金融观察》(2018.12.24

来源: 南方日报网络版     时间: 2019年11月14日 09:53:14
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极速飞艇代理信誉老台子平台直属招商客服【QQ】【99045161】诚招代理【在线开户网址um298.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率。民银智库《每周金融观察》(2018.12.24

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(一)(级)(市)(场)(融)(资)(环)(比)(微)(幅)(增)(加)(:按)(照)(发)(行)(日)(口)(径)(计)(算)(,上)(周)(股)(权)(融)(资)(金)(额)(和)(家)(数)(分)(别)(为)(80亿)(元)(和)(10家)(。其)(中)(,IPO融)(资)(金)(额)(21亿)(元)(,家)(数)(为)(3家)(;增)(发)(金)(额)(48亿)(元)(,家)(数)(为)(5家)(;配)(股)(金)(额)(0亿)(,家)(数)(为)(0家)(;优)(先)(股)(金)(额)(0亿)(,家)(数)(为)(0家)(;可)(转)(换)(债)(金)(额)(0亿)(元)(,家)(数)(为)(0家)(;可)(交)(换)(债)(金)(额)(11亿)(元)(,家)(数)(为)(2家)(;融)(资)(家)(数)(较)(前)(周)(增)(加)(2家)(,金)(额)(较)(前)(周)(增)(加)(5亿)(元)(。证)(监)(会)(12月)(28日)(核)(发)(3家)(企)(业)(IPO批)(文)(,分)(别)(为)(宁)(波)(水)(表)(、明)(阳)(智)(慧)(和)(鞍)(山)(七)(彩)(,连)(续)(第)(八)(周)(未)(披)(露)(融)(资)(规)(模)(。
点)(评)(:
上)(周)(年)(末)(收)(官)(阶)(段)(央)(行)(加)(大)(净)(投)(放)(力)(度)(意)(图)(是)(稳)(定)(资)(金)(面)(,从)(而)(维)(护)(银)(行)(体)(系)(流)(动)(性)(合)(理)(充)(裕)(。上)(周)(为)(2018年)(最)(后)(一)(周)(,前)(多)(半)(周)(市)(场)(资)(金)(面)(持)(续)(呈)(现)(边)(际)(收)(紧)(态)(势)(,后)(半)(周)(政)(策)(维)(稳)(带)(来)(短)(期)(利)(率)(高)(位)(回)(落)(,全)(周)(货)(币)(市)(场)(利)(率)(多)(数)(上)(升)(,但)(总)(体)(资)(金)(市)(场)(利)(率)(仍)(处)(低)(位)(。上)(周)(2年)(期)(国)(债)(期)(货)(、5年)(期)(国)(债)(期)(货)(和)(10年)(期)(国)(债)(期)(货)(主)(要)(品)(种)(资)(金)(价)(格)(指)(数)(分)(别)(较)(前)(周)(上)(升)(约)(18个)(基)(点)(、50个)(基)(点)(和)(80个)(基)(点)(。
上)(周)(每)(个)(交)(易)(日)(A股)(市)(场)(成)(交)(量)(分)(别)(为)(2131.90亿)(元)(、2757.34亿)(元)(、2312.01亿)(元)(、2637.51亿)(元)(和)(2396.75亿)(元)(。全)(周)(总)(成)(交)(额)(和)(日)(均)(成)(交)(额)(分)(别)(为)(12235.50亿)(元)(、2447.10亿)(元)(,两)(个)(指)(标)(与)(前)(周)(比)(均)(上)(升)(约)(6.20%。上)(周)(量)(能)(虽)(然)(有)(所)(增)(加)(,但)(主)(要)(指)(数)(仍)(延)(续)(震)(荡)(下)(行)(走)(势)(,投)(资)(者)(观)(望)(情)(绪)(浓)(厚)(。
上)(周)(为)(2018年)(最)(后)(一)(个)(交)(易)(周)(,回)(望)(2018年)(全)(年)(,上)(证)(50、沪)(深)(300、上)(证)(综)(指)(等)(主)(要)(指)(数)(涨)(幅)(分)(别)(为)(-19.83%、-25.31%、-24.59%。与)(之)(对)(比)(,道)(琼)(斯)(工)(业)(指)(数)(、纳)(斯)(达)(克)(指)(数)(、标)(普)(500、日)(经)(225、富)(时)(100等)(国)(际)(市)(场)(指)(数)(涨)(幅)(为)(-6.70%、-4.62%、-7.03%、-12.08%、-12.22%。国)(内)(外)(市)(场)(对)(比)(表)(明)(,国)(内)(股)(票)(市)(场)(表)(现)(再)(一)(次)(“熊)(冠)(全)(球)(”。国)(内)(股)(票)(市)(场)(运)(行)(持)(续)(受)(制)(于)(大)(小)(非)(减)(持)(、股)(权)(质)(押)(危)(机)(发)(酵)(、经)(济)(持)(续)(下)(滑)(、IPO持)(续)(、贸)(易)(摩)(擦)(、外)(围)(市)(场)(波)(动)(震)(荡)(等)(多)(重)(因)(素)(制)(约)(。
回)(顾)(A股)(28年)(历)(史)(,平)(均)(经)(历)(5轮)(熊)(市)(,持)(续)(时)(间)(约)(为)(5.6年)(。2015年)(年)(中)(之)(后)(的)(多)(数)(股)(票)(持)(续)(下)(跌)(已)(经)(经)(历)(三)(年)(多)(的)(时)(间)(,当)(前)(正)(处)(于)(第)(五)(轮)(大)(熊)(市)(末)(期)(,经)(历)(季)(线)(五)(连)(阴)(后)(,主)(要)(指)(数)(静)(态)(估)(值)(接)(近)(历)(史)(新)(低)(。当)(前)(阶)(段)(,虽)(然)(A股)(估)(值)(较)(低)(、长)(期)(投)(资)(价)(值)(显)(著)(,但)(市)(场)(运)(行)(状)(态)(表)(明)(市)(场)(当)(前)(处)(于)(政)(策)(底)(的)(位)(置)(,反)(弹)(向)(反)(转)(转)(换)(带)(来)(的)(市)(场)(底)(还)(需)(等)(待)(观)(察)(。从)(历)(史)(经)(验)(来)(看)(,尖)(底)(常)(出)(现)(在)(暴)(跌)(之)(后)(,未)(来)(市)(场)(底)(部)(运)(行)(呈)(现)(圆)(底)(的)(概)(率)(较)(大)(。预)(计)(市)(场)(底)(的)(出)(现)(时)(间)(将)(会)(经)(历)(较)(长)(时)(间)(的)(“磨)(底)(”过)(程)(,市)(场)(底)(的)(确)(认)(仍)(然)(是)(事)(后)(行)(为)(。2019年)(的)(主)(要)(风)(险)(在)(于)(企)(业)(盈)(利)(回)(落)(幅)(度)(的)(不)(确)(定)(性)(。
虽)(然)(2018年)(主)(要)(指)(数)(出)(现)(了)(大)(幅)(下)(挫)(,投)(资)(者)(信)(心)(和)(市)(场)(功)(能)(出)(现)(了)(显)(著)(削)(弱)(,但)(在)(市)(场)(制)(度)(建)(设)(、市)(场)(运)(行)(质)(量)(方)(面)(也)(取)(得)(了)(一)(定)(的)(积)(极)(进)(展)(。集)(中)(体)(现)(在)(外)(资)(持)(续)(买)(入)(金)(额)(和)(占)(市)(值)(比)(创)(历)(史)(新)(高)(推)(动)(投)(资)(者)(结)(构)(持)(续)(改)(善)(、回)(购)(制)(度)(建)(设)(对)(上)(市)(公)(司)(治)(理)(结)(构)(的)(补)(充)(完)(善)(、科)(创)(版)(注)(册)(制)(的)(加)(快)(推)(出)(和)(在)(市)(场)(接)(连)(下)(挫)(之)(际)(管)(理)(层)(没)(有)(重)(复)(以)(前)(的)(IPO暂)(停)(老)(路)(等)(。
从)(全)(球)(角)(度)(看)(,2018年)(是)(有)(史)(以)(来)(全)(球)(资)(产)(表)(现)(最)(差)(的)(一)(年)(。根)(据)(德)(意)(志)(银)(行)(统)(计)(,2018年)(全)(球)(有)(98%的)(资)(产)(负)(收)(益)(,为)(1901年)(有)(统)(计)(以)(来)(的)(历)(史)(之)(最)(,萧)(条)(程)(度)(超)(过)(1929年)(大)(萧)(条)(时)(期)(。上)(周)(美)(股)(市)(场)(运)(行)(表)(明)(美)(联)(储)(持)(续)(加)(息)(和)(缩)(表)(所)(引)(发)(的)(市)(场)(震)(荡)(效)(应)(正)(在)(边)(际)(减)(少)(,据)(CME“美)(联)(储)(观)(察)(”,美)(联)(储)(明)(年)(3月)(和)(6月)(加)(息)(25个)(基)(点)(至)(2.5%-2.75%区)(间)(的)(概)(率)(分)(别)(为)(5.1%与)(9.6%。2019年)(需)(要)(关)(注)(美)(国)(经)(济)(和)(上)(市)(公)(司)(的)(盈)(利)(表)(现)(。(李)(相)(栋)()
二)(、金)(融)(行)(业)(动)(态)(
1.永)(续)(债)(启)(动)(在)(即)(,商)(业)(银)(行)(资)(本)(补)(充)(渠)(道)(扩)(容)(
12月)(25日)(,金)(融)(委)(办)(公)(室)(召)(开)(专)(题)(会)(议)(,研)(究)(多)(渠)(道)(支)(持)(商)(业)(银)(行)(补)(充)(资)(本)(有)(关)(问)(题)(,推)(动)(尽)(快)(启)(动)(永)(续)(债)(发)(行)(。
点)(评)(:
一)(、监)(管)(约)(束)(和)(资)(产)(消)(耗)(加)(大)(下)(,银)(行)(补)(充)(资)(本)(具)(有)(迫)(切)(性)(
从)(目)(前)(商)(业)(银)(行)(的)(总)(体)(情)(况)(来)(看)(,尽)(管)(各)(级)(资)(本)(充)(足)(率)(平)(均)(水)(平)(仍)(高)(于)(监)(管)(要)(求)(,但)(未)(来)(资)(本)(管)(理)(依)(然)(面)(临)(较)(大)(压)(力)(,这)(将)(在)(一)(定)(程)(度)(上)(影)(响)(信)(用)(扩)(张)(。
一)(是)(商)(业)(银)(行)(的)(资)(本)(充)(足)(率)(需)(在)(2018年)(年)(底)(全)(部)(达)(标)(。根)(据)(《商)(业)(银)(行)(资)(本)(管)(理)(办)(法)(》要)(求)(,2018年)(末)(,系)(统)(重)(要)(性)(银)(行)(资)(本)(充)(足)(率)(、一)(级)(资)(本)(充)(足)(率)(和)(核)(心)(一)(级)(资)(本)(充)(足)(率)(应)(分)(别)(不)(低)(于)(11.5%、9.5%和)(8.5%,其)(他)(银)(行)(在)(这)(个)(基)(础)(上)(分)(别)(少)(一)(个)(百)(分)(点)(。上)(市)(银)(行)(三)(季)(度)(末)(数)(据)(显)(示)(,尽)(管)(上)(市)(行)(整)(体)(资)(本)(充)(足)(率)(达)(标)(压)(力)(不)(大)(,但)(仍)(有)(部)(分)(银)(行)(资)(本)(充)(足)(率)(濒)(临)(监)(管)(红)(线)(,特)(别)(是)(一)(级)(资)(本)(充)(足)(率)(和)(核)(心)(一)(级)(资)(本)(充)(足)(率)(,很)(多)(股)(份)(行)(和)(城)(商)(行)(剩)(余)(空)(间)(不)(足)(1%,非)(上)(市)(银)(行)(情)(况)(预)(计)(差)(于)(上)(市)(银)(行)(。
二)(是)(系)(统)(重)(要)(性)(金)(融)(机)(构)(将)(面)(临)(更)(加)(严)(格)(的)(资)(本)(监)(管)(要)(求)(。11月)(27日)(,《关)(于)(完)(善)(系)(统)(重)(要)(性)(金)(融)(机)(构)(监)(管)(的)(指)(导)(意)(见)(》印)(发)(,针)(对)(国)(内)(系)(统)(重)(要)(性)(金)(融)(机)(构)(提)(出)(附)(加)(资)(本)(要)(求)(和)(杠)(杆)(率)(要)(求)(。当)(前)(,仍)(有)(部)(分)(规)(模)(较)(大)(的)(股)(份)(行)(资)(本)(充)(足)(率)(并)(不)(高)(,如)(果)(被)(认)(定)(为)(国)(内)(系)(统)(重)(要)(性)(金)(融)(机)(构)(,将)(会)(大)(幅)(增)(加)(资)(本)(补)(充)(压)(力)(。此)(外)(,由)(于)(四)(大)(行)(均)(被)(认)(定)(为)(全)(球)(系)(统)(重)(要)(性)(银)(行)(,TLAC叠)(加)(巴)(塞)(尔)(协)(议)(Ⅲ,四)(大)(行)(的)(资)(本)(充)(足)(率)(在)(2025年)(至)(少)(要)(达)(到)(19.5%以)(上)(,后)(续)(需)(持)(续)(地)(补)(充)(资)(本)(。
三)(是)(监)(管)(引)(导)(下)(,非)(标)(融)(资)(收)(缩)(、贷)(款)(占)(比)(提)(升)(,资)(本)(消)(耗)(加)(大)(。今)(年)(以)(来)(,流)(动)(性)(新)(规)(、委)(贷)(新)(规)(、302号)(文)(及)(大)(额)(风)(险)(暴)(露)(、资)(管)(新)(规)(等)(监)(管)(文)(件)(密)(集)(出)(台)(,旨)(在)(抑)(制)(通)(道)(、控)(杠)(杆)(,引)(导)(商)(业)(银)(行)(表)(外)(非)(标)(回)(表)(和)(回)(归)(传)(统)(信)(贷)(,且)(越)(来)(越)(多)(的)(监)(管)(新)(规)(将)(业)(务)(规)(模)(的)(上)(限)(与)(净)(资)(本)(/净)(资)(产)(挂)(钩)(,在)(加)(大)(资)(本)(消)(耗)(的)(同)(时)(,也)(实)(际)(上)(提)(高)(了)(在)(一)(定)(规)(模)(下)(银)(行)(机)(构)(的)(资)(本)(要)(求)(。因)(此)(,仅)(靠)(商)(业)(银)(行)(的)(内)(生)(增)(长)(仍)(然)(不)(足)(以)(支)(撑)(业)(务)(开)(展)(,外)(部)(资)(本)(的)(补)(充)(不)(可)(或)(缺)(。
二)(、商)(业)(银)(行)(资)(本)(补)(充)(工)(具)(日)(益)(丰)(富)(,但)(结)(构)(性)(问)(题)(凸)(显)(
从)(2012年)(《商)(业)(银)(行)(资)(本)(管)(理)(办)(法)((试)(行)()》发)(布)(至)(今)(,银)(行)(业)(通)(过)(复)(杂)(资)(本)(工)(具)(补)(充)(资)(本)(逐)(渐)(普)(及)(,实)(现)(了)(二)(级)(资)(本)(工)(具)(常)(态)(化)(发)(行)(,一)(级)(资)(本)(工)(具)(以)(优)(先)(股)(为)(代)(表)(,陆)(续)(有)(银)(行)(试)(水)(,我)(国)(银)(行)(业)(资)(本)(补)(充)(架)(构)(日)(益)(完)(善)(。但)(从)(发)(行)(结)(构)(看)(,其)(他)(一)(级)(资)(本)(补)(充)(难)(度)(较)(大)(、二)(级)(资)(本)(补)(充)(相)(对)(简)(单)(。按)(照)(BaselIII和)(银)(保)(监)(会)(的)(安)(排)(,其)(他)(一)(级)(资)(本)(可)(以)(有)(1%的)(缓)(冲)(区)(间)(,二)(级)(资)(本)(较)(为)(经)(济)(的)(比)(例)(大)(致)(控)(制)(在)(2%左)(右)(,但)(去)(年)(末)(,其)(他)(一)(级)(资)(本)(实)(际)(仅)(有)(0.6%,且)(是)(历)(史)(最)(好)(水)(平)(,而)(二)(级)(资)(本)(则)(达)(到)(了)(2.3%的)(较)(高)(水)(平)(。形)(成)(这)(种)(局)(面)(,与)(目)(前)(的)(二)(级)(资)(本)(债)(发)(行)(门)(槛)(低)(、补)(充)(效)(率)(高)(,而)(其)(他)(一)(级)(资)(本)(补)(充)(工)(具)(仅)(有)(优)(先)(股)(一)(种)(,条)(件)(相)(对)(苛)(刻)(有)(关)(。
三)(、永)(续)(债)(应)(运)(而)(生)(,但)(大)(规)(模)(发)(行)(还)(有)(待)(监)(管)(细)(则)(尽)(快)(完)(善)(
针)(对)(越)(来)(越)(大)(的)(银)(行)(资)(本)(补)(充)(压)(力)(,早)(在)(2018年)(2月)(,央)(行)(的)(3号)(公)(告)(和)(银)(监)(会)(5号)(文)(就)(支)(持)(银)(行)(资)(本)(工)(具)(创)(新)(,明)(确)(规)(定)(资)(本)(补)(充)(债)(券)(包)(括)(无)(固)(定)(期)(限)(债)(券)(,为)(银)(行)(发)(行)(永)(续)(债)(提)(供)(了)(一)(定)(的)(政)(策)(支)(持)(。无)(固)(定)(期)(限)(资)(本)(工)(具)(作)(为)(除)(优)(先)(股)(之)(外)(的)(一)(级)(资)(本)(工)(具)(创)(新)(,具)(有)(无)(固)(定)(期)(限)(、非)(累)(积)(、强)(制)(减)(记)(条)(款)(,其)(产)(品)(设)(计)(符)(合)(BaselIII和)(《商)(业)(银)(行)(资)(本)(管)(理)(办)(法)((试)(行)()》对)(合)(格)(资)(本)(的)(定)(义)(,且)(为)(减)(少)(市)(场)(发)(行)(难)(度)(,还)(设)(计)(了)(赎)(回)(条)(款)(。就)(该)(产)(品)(来)(说)(,若)(成)(功)(发)(行)(,可)(以)(作)(为)(其)(他)(一)(级)(资)(本)(工)(具)(。但)(截)(至)(目)(前)(,仅)(有)(中)(国)(银)(行)(股)(东)(大)(会)(于)(6月)(底)(批)(复)(了)(发)(行)(不)(超)(过)(400亿)(人)(民)(币)(或)(等)(值)(外)(币)(的)(减)(记)(型)(无)(固)(定)(期)(限)(资)(本)(债)(券)(,但)(也)(尚)(未)(发)(行)(。这)(主)(要)(与)(永)(续)(债)(目)(前)(仍)(存)(在)(的)(一)(些)(障)(碍)(有)(关)(:
其)(一)(,法)(律)(依)(据)(并)(不)(充)(分)(。无)(到)(期)(日)(、强)(制)(转)(股)(或)(减)(记)(的)(新)(型)(资)(本)(工)(具)(的)(属)(性)(特)(征)(与)(我)(国)(现)(有)(法)(律)(法)(规)(体)(系)(尚)(未)(充)(分)(衔)(接)(。根)(据)(《公)(司)(法)(》、《企)(业)(破)(产)(法)(》和)(《最)(高)(人)(民)(法)(院)(近)(期)(发)(布)(的)(企)(业)(破)(产)(法)(的)(司)(法)(解)(释)(》的)(相)(关)(规)(定)(,并)(不)(支)(持)(非)(累)(积)(永)(久)(性)(次)(级)(债)(券)(的)(强)(制)(减)(记)(法)(律)(效)(力)(。当)(年)(银)(监)(会)(早)(期)(也)(已)(注)(意)(到)(,从)(法)(律)(层)(面)(看)(,《公)(司)(法)(》、《证)(券)(法)(》对)(于)(发)(行)(人)(拥)(有)(的)(减)(记)(或)(转)(股)(权)(利)(,难)(以)(得)(到)(切)(实)(的)(法)(律)(保)(障)(,投)(资)(者)(可)(能)(做)(出)(不)(同)(的)(理)(解)(,且)(由)(于)(资)(本)(工)(具)(发)(行)(合)(约)(无)(法)(归)(入)(《合)(同)(法)(》规)(定)(的)(有)(名)(合)(同)(,而)(根)(据)(自)(治)(原)(则)(订)(立)(的)(合)(同)(其)(履)(约)(具)(有)(不)(确)(定)(性)(。
其)(二)(,会)(计)(处)(理)(需)(要)(进)(一)(步)(明)(确)(。在)(当)(前)(已)(发)(行)(的)(资)(本)(工)(具)(投)(资)(者)(群)(体)(中)(,资)(管)(机)(构)(占)(据)(主)(导)(,而)(在)(资)(管)(新)(规)(落)(地)(实)(施)(的)(当)(下)(,新)(规)(对)(资)(管)(产)(品)(期)(限)(错)(配)(做)(出)(了)(很)(强)(的)(约)(束)(。无)(固)(定)(期)(限)(资)(本)(工)(具)(如)(果)(进)(行)(会)(计)(处)(理)(,如)(何)(匹)(配)(满)(足)(资)(管)(新)(规)(要)(求)(也)(是)(值)(得)(注)(意)(的)(问)(题)(。否)(则)(,此)(等)(新)(型)(资)(本)(工)(具)(的)(投)(资)(者)(群)(体)(将)(受)(到)(相)(当)(的)(限)(制)(。
其)(三)(,证)(券)(市)(场)(分)(割)(现)(状)(有)(待)(完)(善)(。目)(前)(的)(二)(级)(资)(本)(债)(券)(发)(行)(场)(所)(在)(银)(行)(间)(市)(场)(,而)(同)(样)(包)(含)(转)(股)(条)(款)(的)(优)(先)(股)(和)(可)(转)(债)(发)(行)(场)(所)(在)(交)(易)(所)(市)(场)(。未)(来)(银)(行)(永)(续)(债)(的)(发)(行)(场)(所)(如)(何)(确)(定)(也)(需)(要)(明)(确)(。此)(外)(,银)(行)(间)(市)(场)(与)(交)(易)(所)(市)(场)(的)(割)(裂)(造)(成)(转)(股)(型)(资)(本)(工)(具)(发)(行)(量)(偏)(低)(,若)(发)(行)(带)(有)(转)(股)(条)(款)(的)(资)(本)(工)(具)(必)(须)(在)(交)(易)(所)(市)(场)(上)(发)(行)(,需)(要)(打)(通)(银)(行)(间)(与)(交)(易)(所)(市)(场)(的)(限)(制)(,而)(发)(行)(减)(记)(型)(产)(品)(相)(对)(流)(程)(简)(化)(。
其)(四)(,与)(其)(他)(一)(级)(资)(本)(工)(具)(的)(法)(律)(关)(系)(需)(要)(明)(确)(。银)(行)(永)(续)(债)(属)(于)(其)(他)(一)(级)(资)(本)(工)(具)(,这)(就)(涉)(及)(到)(一)(系)(列)(问)(题)(:永)(续)(债)(和)(同)(属)(于)(其)(他)(一)(级)(资)(本)(工)(具)(的)(优)(先)(股)(在)(偿)(还)(顺)(序)(上)(如)(何)(界)(定)(,转)(股)(、减)(记)(触)(发)(条)(件)(如)(何)(设)(定)(,股)(息)(、票)(息)(的)(支)(付)(如)(何)(安)(排)(等)(,均)(需)(政)(策)(细)(则)(进)(一)(步)(加)(以)(明)(确)(。
其)(五)(,审)(批)(和)(监)(管)(的)(协)(调)(统)(筹)(需)(进)(一)(步)(加)(强)(。一)(级)(资)(本)(工)(具)(相)(对)(复)(杂)(,其)(创)(设)(不)(可)(避)(免)(地)(涉)(及)(多)(个)(政)(府)(部)(门)(,需)(要)(各)(部)(门)(全)(力)(配)(合)(与)(协)(调)(,才)(有)(可)(能)(创)(设)(成)(功)(。过)(去)(,我)(国)(资)(本)(工)(具)(创)(新)(所)(面)(临)(的)(困)(难)(难)(以)(采)(取)(“自)(上)(而)(下)(”的)(方)(式)(一)(次)(性)(全)(部)(解)(决)(,需)(要)(调)(动)(来)(自)(市)(场)(和)(政)(府)(等)(各)(方)(面)(力)(量)(,循)(序)(渐)(进)(地)(逐)(步)(突)(破)(。但)(在)(当)(前)(,在)(新)(的)(金)(融)(监)(管)(环)(境)(下)(,考)(虑)(到)(监)(管)(当)(局)(的)(协)(调)(性)(、统)(筹)(性)(已)(经)(大)(大)(加)(强)(,且)(央)(行)(3号)(文)(的)(公)(布)(或)(许)(意)(味)(着)(系)(统)(性)(的)(解)(决)(方)(案)(即)(将)(出)(台)(。未)(来)(,在)(金)(融)(稳)(定)(发)(展)(委)(员)(会)(的)(统)(筹)(下)(,新)(型)(资)(本)(工)(具)(创)(设)(或)(将)(加)(大)(统)(筹)(安)(排)(,在)(更)(高)(层)(面)(上)(协)(调)(推)(进)(,以)(给)(予)(发)(行)(主)(体)(制)(度)(保)(证)(,减)(少)(商)(业)(银)(行)(单)(兵)(作)(战)(的)(盲)(目)(性)(。
四)(、大)(型)(银)(行)(有)(望)(率)(先)(尝)(鲜)(,险)(资)(、银)(行)(资)(管)(等)(机)(构)(投)(资)(者)(应)(为)(购)(买)(主)(力)(
在)(当)(前)(经)(济)(形)(势)(下)(,银)(行)(业)(通)(过)(资)(本)(补)(充)(来)(服)(务)(实)(体)(经)(济)(和)(应)(对)(风)(险)(变)(的)(越)(来)(越)(紧)(迫)(,最)(终)(通)(过)(资)(本)(工)(具)(来)(抵)(御)(风)(险)(也)(变)(得)(越)(来)(越)(现)(实)(。随)(着)(金)(融)(稳)(定)(委)(员)(会)(将)(这)(项)(工)(作)(提)(上)(日)(程)(,永)(续)(债)(的)(政)(策)(障)(碍)(有)(望)(早)(日)(破)(冰)(,监)(管)(细)(则)(有)(望)(尽)(快)(出)(台)(,“永)(续)(型)(”一)(级)(资)(本)(工)(具)(将)(会)(很)(快)(破)(土)(,大)(型)(银)(行)(有)(望)(率)(先)(尝)(鲜)(。
预)(计)(以)(险)(资)(、银)(行)(资)(管)(为)(代)(表)(的)(追)(求)(长)(期)(、稳)(定)(、绝)(对)(收)(益)(的)(机)(构)(投)(资)(者)(对)(永)(续)(债)(的)(偏)(好)(度)(较)(高)(。海)(外)(经)(验)(表)(明)(,国)(际)(市)(场)(对)(以)(永)(续)(债)(为)(代)(表)(的)(新)(型)(资)(本)(工)(具)(的)(需)(求)(不)(断)(上)(升)(,固)(定)(收)(益)(类)(型)(机)(构)(投)(资)(参)(与)(度)(不)(断)(提)(高)(。根)(据)(Dealogic的)(抽)(样)(分)(析)(表)(明)(,零)(售)(投)(资)(者)(和)(私)(人)(银)(行)(部)(门)(持)(有)(量)(占)(比)(为)(52%,资)(产)(管)(理)(公)(司)(、对)(冲)(基)(金)(和)(商)(业)(银)(行)(的)(占)(比)(分)(别)(为)(27%、9%和)(3%。永)(续)(债)(的)(权)(益)(属)(性)(较)(优)(先)(股)(更)(弱)(,票)(息)(较)(优)(先)(股)(更)(高)(,对)(追)(求)(长)(期)(、稳)(定)(、绝)(对)(收)(益)(的)(险)(企)(而)(言)(,是)(非)(常)(不)(错)(的)(投)(资)(工)(具)(;而)(且)(对)(于)(计)(划)(在)(2022年)(正)(式)(实)(施)(IFRS9的)(险)(资)(而)(言)(,普)(通)(股)(投)(资)(加)(剧)(利)(润)(表)(波)(动)(,永)(续)(债)(有)(利)(于)(拉)(长)(资)(产)(久)(期)(、优)(化)(资)(产)(负)(债)(匹)(配)(、分)(散)(投)(资)(组)(合)(风)(险)(。此)(外)(,对)(于)(银)(行)(资)(管)(机)(构)(而)(言)(,收)(益)(率)(较)(高)(的)(永)(续)(债)(亦)(是)(较)(为)(优)(质)(的)(标)(准)(化)(资)(产)(,预)(计)(其)(将)(逐)(步)(发)(挥)(非)(标)(资)(产)(替)(代)(品)(的)(重)(要)(作)(用)(。(张)(丽)(云)()
2.信)(托)(业)(风)(险)(暴)(露)(持)(续)(增)(加)(
上)(周)(,媒)(体)(报)(道)(南)(京)(丰)(盛)(集)(团)(及)(其)(旗)(下)(单)(位)(出)(现)(近)(12.80亿)(元)(债)(务)(违)(约)(。相)(关)(债)(权)(人)(出)(涉)(及)(4家)(银)(行)(外)(,还)(包)(括)(四)(川)(信)(托)(、中)(信)(信)(托)(、长)(安)(信)(托)(、光)(大)(兴)(陇)(、平)(安)(信)(托)(、上)(海)(信)(托)(等)(8家)(信)(托)(公)(司)(。根)(据)(公)(开)(信)(息)(,四)(川)(信)(托)(和)(中)(信)(信)(托)(给)(丰)(盛)(集)(团)(的)(放)(款)(发)(生)(在)(2018年)(。此)(前)(,据)(统)(计)(,2018年)(以)(来)(共)(发)(生)(超)(过)(50多)(起)(信)(托)(违)(约)(事)(件)(,资)(金)(近)(200余)(亿)(元)(,相)(关)(信)(托)(公)(司)(多)(达)(20家)(。
点)(评)(:
信)(托)(业)(风)(险)(暴)(露)(趋)(于)(增)(多)(。从)(三)(季)(度)(末)(数)(据)(看)(,2018年)(信)(托)(业)(的)(风)(险)(项)(目)(个)(数)(为)(832个)(,规)(模)(为)(2159.73亿)(元)(,比)(2017年)(末)(的)(1392.41亿)(元)(增)(加)(767.32亿)(元)(,增)(幅)(55.11%。2018年)(各)(季)(度)(单)(季)(度)(风)(险)(项)(目)(金)(额)(变)(化)(分)(别)(为)(51.63亿)(元)(、154.06亿)(元)(、11.33亿)(元)(和)(-78.07亿)(元)(;2018年)(1-3季)(度)(单)(季)(度)(风)(险)(项)(目)(金)(额)(变)(化)(分)(别)(为)(177亿)(元)(、422亿)(元)(、247亿)(元)(。与)(2017年)(相)(比)(较)(,2018年)(以)(来)(风)(险)(项)(目)(金)(额)(增)(加)(较)(多)(。在)(全)(部)(风)(险)(项)(目)(中)(,集)(合)(类)(信)(托)(为)(1387亿)(元)(,占)(比)(64.22%;单)(一)(信)(托)(为)(732.86亿)(元)(,占)(比)(33.93%;财)(产)(权)(信)(托)(为)(398.73亿)(元)(,占)(比)(1.85%。行)(业)(1-3季)(度)(末)(的)(整)(体)(不)(良)(率)(分)(别)(为)(0.58%、0.79%、0.93%。2017年)(各)(季)(度)(末)(的)(整)(体)(不)(良)(率)(分)(别)(为)(0.6%、0.56%、0.57%和)(0.50%。与)(同)(期)(商)(业)(银)(行)(不)(良)(率)(1.74%相)(比)(,行)(业)(不)(良)(率)(虽)(然)(仍)(然)(较)(低)(,但)(风)(险)(呈)(现)(快)(速)(释)(放)(态)(势)(。
预)(计)(信)(托)(公)(司)(2019年)(业)(务)(展)(业)(风)(险)(标)(准)(严)(格)(常)(态)(化)(。伴)(随)(风)(险)(暴)(露)(增)(加)(,信)(托)(行)(业)(的)(风)(险)(拨)(备)(也)(在)(同)(步)(增)(加)(。近)(几)(年)(来)(,信)(托)(行)(业)(赔)(偿)(准)(备)(占)(所)(有)(者)(权)(益)(比)(重)(一)(直)(稳)(步)(上)(升)(,2018年)(3季)(度)(末)(行)(业)(信)(托)(赔)(偿)(金)(达)(到)(237.78亿)(元)(,同)(比)(增)(加)(近)(41.7亿)(元)(,同)(比)(增)(幅)(约)(21.27%。2018年)(风)(险)(事)(件)(增)(多)(主)(要)(是)(大)(环)(境)(导)(致)(,经)(济)(下)(行)(压)(力)(下)(信)(托)(业)(风)(险)(暴)(露)(增)(加)(驱)(动)(信)(托)(机)(构)(提)(高)(风)(控)(标)(准)(。据)(了)(解)(,多)(数)(信)(托)(公)(司)(都)(在)(提)(高)(信)(托)(业)(务)(门)(槛)(,如)(以)(政)(信)(业)(务)(为)(例)(,信)(托)(公)(司)(与)(各)(级)(政)(府)(在)(基)(础)(设)(施)(、民)(生)(工)(程)(等)(领)(域)(的)(合)(作)(业)(务)(都)(在)(提)(高)(准)(入)(标)(准)(。比)(如)(对)(所)(在)(区)(域)(、全)(国)(排)(名)(、一)(般)(性)(预)(算)(收)(入)(等)(有)(更)(高)(的)(要)(求)(,中)(后)(台)(也)(提)(高)(了)(风)(控)(过)(审)(环)(节)(。在)(募)(集)(资)(金)(端)(趋)(于)(困)(难)(的)(情)(况)(下)(,资)(金)(将)(会)(流)(向)(更)(优)(质)(的)(项)(目)(和)(业)(务)(能)(力)(更)(强)(的)(信)(托)(机)(构)(。(李)(相)(栋)()
三)(、金)(融)(要)(闻)(概)(览)(
1.焦)(点)(评)(论)(
国)(常)(会)(:决)(定)(取)(消)(企)(业)(银)(行)(账)(户)(开)(户)(许)(可)(
12月)(24日)(,国)(务)(院)(常)(务)(会)(议)(强)(调)(,在)(分)(批)(试)(点)(基)(础)(上)(,明)(年)(底)(前)(完)(全)(取)(消)(企)(业)(银)(行)(账)(户)(开)(户)(许)(可)(。境)(内)(依)(法)(设)(立)(的)(企)(业)(法)(人)(、非)(企)(业)(法)(人)(、个)(体)(工)(商)(户)(办)(理)(基)(本)(或)(临)(时)(存)(款)(银)(行)(账)(户)(,由)(核)(准)(改)(为)(备)(案)(,便)(利)(企)(业)(开)(业)(经)(营)(。同)(时)(强)(化)(银)(行)(账)(户)(管)(理)(职)(责)(,推)(动)(与)(相)(关)(部)(门)(信)(息)(共)(享)(,全)(面)(加)(强)(事)(中)(事)(后)(监)(管)(。银)(行)(账)(户)(是)(支)(付)(体)(系)(健)(康)(稳)(定)(运)(行)(的)(重)(要)(基)(础)(,银)(行)(账)(户)(使)(用)(的)(安)(全)(和)(便)(捷)(对)(小)(微)(企)(业)(、民)(营)(企)(业)(意)(义)(重)(大)(。此)(次)(召)(开)(的)(国)(务)(院)(常)(务)(会)(议)(,一)(是)(明)(确)(了)(具)(体)(时)(间)(表)(;二)(是)(进)(一)(步)(确)(定)(了)(适)(用)(范)(围)(;三)(是)(再)(次)(重)(申)(了)(加)(强)(事)(中)(事)(后)(监)(管)(,并)(强)(化)(银)(行)(账)(户)(管)(理)(职)(责)(。国)(常)(会)(部)(署)(决)(定)(取)(消)(企)(业)(银)(行)(账)(户)(开)(户)(许)(可)(,相)(关)(试)(点)(工)(作)(有)(望)(加)(速)(推)(进)(,同)(时)(结)(合)(近)(期)(央)(行)(召)(开)(的)(取)(消)(企)(业)(开)(户)(许)(可)(试)(点)(工)(作)(座)(谈)(会)(内)(容)(,创)(新)(账)(户)(业)(务)(及)(管)(理)(模)(式)(,加)(强)(涉)(企)(信)(息)(共)(享)(,重)(塑)(权)(责)(关)(系)(、再)(造)(管)(理)(模)(式)(,充)(分)(发)(挥)(金)(融)(科)(技)(作)(用)(等)(将)(成)(为)(未)(来)(银)(行)(账)(户)(管)(理)(改)(革)(工)(作)(的)(重)(点)(。
银)(保)(监)(会)(发)(布)(《关)(于)(规)(范)(银)(行)(业)(金)(融)(机)(构)(异)(地)(非)(持)(牌)(机)(构)(的)(指)(导)(意)(见)(》
12月)(29日)(,银)(保)(监)(会)(发)(布)(了)(《关)(于)(规)(范)(银)(行)(业)(金)(融)(机)(构)(异)(地)(非)(持)(牌)(机)(构)(的)(指)(导)(意)(见)(》。当)(前)(,银)(行)(业)(异)(地)(无)(序)(展)(业)(问)(题)(已)(得)(到)(初)(步)(遏)(制)(,但)(整)(治)(过)(程)(中)(也)(存)(在)(各)(地)(区)(做)(法)(不)(一)(、监)(管)(标)(准)(不)(同)(等)(问)(题)(,亟)(需)(制)(定)(统)(一)(的)(规)(范)(要)(求)(和)(监)(管)(标)(准)(。为)(进)(一)(步)(规)(范)(银)(行)(业)(金)(融)(机)(构)(异)(地)(非)(持)(牌)(经)(营)(行)(为)(,维)(护)(金)(融)(市)(场)(秩)(序)(、防)(范)(金)(融)(风)(险)(,《指)(导)(意)(见)(》要)(求)(按)(照)(“坚)(守)(定)(位)(、风)(险)(为)(本)(、分)(类)(施)(策)(及)(新)(老)(划)(断)(”的)(原)(则)(对)(异)(地)(非)(持)(牌)(机)(构)(进)(行)(稳)(妥)(有)(序)(的)(清)(理)(规)(范)(。一)(是)(要)(求)(银)(行)(业)(金)(融)(机)(构)(专)(注)(主)(业)(、回)(归)(本)(源)(,坚)(守)(市)(场)(定)(位)(,着)(力)(提)(升)(服)(务)(实)(体)(经)(济)(的)(质)(效)(,避)(免)(盲)(目)(扩)(张)(。二)(是)(要)(求)(银)(行)(业)(金)(融)(机)(构)(加)(强)(对)(异)(地)(机)(构)(的)(管)(理)(,根)(据)(本)(行)(发)(展)(战)(略)(,完)(善)(公)(司)(治)(理)(,提)(高)(风)(险)(管)(理)(水)(平)(和)(内)(部)(控)(制)(能)(力)(。三)(是)(按)(照)(实)(质)(重)(于)(形)(式)(原)(则)(,将)(异)(地)(非)(持)(牌)(机)(构)(分)(为)(经)(营)(性)(机)(构)(与)(非)(经)(营)(性)(机)(构)(,分)(别)(提)(出)(针)(对)(性)(规)(范)(要)(求)(。四)(是)(充)(分)(考)(虑)(不)(同)(类)(型)(机)(构)(差)(异)(,对)(异)(地)(非)(持)(牌)(机)(构)(的)(规)(范)(不)(搞)(“一)(刀)(切)(”,给)(予)(充)(分)(的)(过)(渡)(期)(,允)(许)(银)(行)(业)(金)(融)(机)(构)(在)(过)(渡)(期)(内)(有)(计)(划)(、分)(步)(骤)(整)(改)(。
2.监)(管)(动)(态)(
国)(常)(会)(:加)(大)(对)(民)(营)(经)(济)(和)(中)(小)(企)(业)(支)(持)(
12月)(24日)(,召)(开)(的)(国)(务)(院)(常)(务)(会)(议)(聚)(焦)(加)(大)(对)(民)(营)(经)(济)(和)(中)(小)(企)(业)(支)(持)(,增)(强)(市)(场)(主)(体)(活)(力)(和)(发)(展)(信)(心)(。具)(体)(看)(来)(,第)(一)(,完)(善)(普)(惠)(金)(融)(定)(向)(降)(准)(政)(策)(;第)(二)(,将)(支)(小)(再)(贷)(款)(政)(策)(扩)(大)(到)(符)(合)(条)(件)(的)(中)(小)(银)(行)(和)(新)(型)(互)(联)(网)(银)(行)(;第)(三)(,出)(台)(小)(微)(企)(业)(授)(信)(尽)(职)(免)(责)(的)(指)(导)(性)(文)(件)(;第)(四)(,加)(快)(民)(企)(上)(市)(和)(再)(融)(资)(审)(核)(;第)(五)(,支)(持)(资)(管)(产)(品)(、保)(险)(资)(金)(依)(规)(参)(与)(处)(置)(化)(解)(民)(营)(上)(市)(公)(司)(股)(权)(质)(押)(风)(险)(。
国)(务)(院)(:鼓)(励)(和)(引)(导)(社)(会)(资)(本)(以)(多)(种)(形)(式)(投)(资)(文)(化)(产)(业)(
12月)(25日)(,国)(务)(院)(办)(公)(厅)(印)(发)(《进)(一)(步)(支)(持)(文)(化)(企)(业)(发)(展)(的)(规)(定)(》指)(出)(,在)(国)(家)(许)(可)(范)(围)(内)(,鼓)(励)(和)(引)(导)(社)(会)(资)(本)(以)(多)(种)(形)(式)(投)(资)(文)(化)(产)(业)(,参)(与)(国)(有)(经)(营)(性)(文)(化)(事)(业)(单)(位)(转)(企)(改)(制)(,允)(许)(以)(控)(股)(形)(式)(参)(与)(国)(有)(影)(视)(制)(作)(机)(构)(、文)(艺)(院)(团)(改)(制)(经)(营)(,在)(投)(资)(核)(准)(、银)(行)(贷)(款)(、土)(地)(使)(用)(、税)(收)(优)(惠)(、上)(市)(融)(资)(、发)(行)(债)(券)(、对)(外)(贸)(易)(等)(方)(面)(给)(予)(支)(持)(。
央)(行)(:稳)(健)(的)(货)(币)(政)(策)(要)(更)(加)(注)(重)(松)(紧)(适)(度)(
12月)(26日)(,央)(行)(货)(币)(政)(策)(委)(员)(会)(2018年)(第)(四)(季)(度)(例)(会)(在)(北)(京)(召)(开)(。会)(议)(认)(为)(,当)(前)(我)(国)(经)(济)(保)(持)(平)(稳)(发)(展)(,经)(济)(增)(长)(保)(持)(韧)(性)(,总)(供)(求)(基)(本)(平)(衡)(,增)(长)(动)(力)(加)(快)(转)(换)(,人)(民)(币)(汇)(率)(及)(市)(场)(预)(期)(总)(体)(稳)(定)(,应)(对)(外)(部)(冲)(击)(的)(能)(力)(增)(强)(。会)(议)(指)(出)(,稳)(健)(的)(货)(币)(政)(策)(要)(更)(加)(注)(重)(松)(紧)(适)(度)(,保)(持)(流)(动)(性)(合)(理)(充)(裕)(,保)(持)(货)(币)(信)(贷)(及)(社)(会)(融)(资)(规)(模)(合)(理)(增)(长)(。
银)(保)(监)(会)(:建)(行)(、中)(行)(理)(财)(子)(公)(司)(批)(准)(设)(立)(
12月)(26日)(,银)(保)(监)(会)(正)(式)(批)(准)(中)(国)(建)(设)(银)(行)(、中)(国)(银)(行)(设)(立)(理)(财)(子)(公)(司)(申)(请)(。银)(保)(监)(会)(透)(露)(“多)(家)(商)(业)(银)(行)(正)(在)(抓)(紧)(开)(展)(申)(报)(理)(财)(子)(公)(司)(工)(作)(”,并)(再)(次)(重)(申)(“推)(动)(银)(行)(理)(财)(回)(归)(资)(管)(业)(务)(本)(源)(,培)(育)(和)(壮)(大)(机)(构)(投)(资)(者)(队)(伍)(”。截)(至)(目)(前)(,已)(有)(27家)(商)(业)(银)(行)(拟)(成)(立)(或)(意)(向)(成)(立)(资)(管)(或)(理)(财)(子)(公)(司)(,其)(中)(包)(括)(5家)(国)(有)(银)(行)(、9家)(股)(份)(制)(银)(行)(、邮)(储)(银)(行)(、10家)(城)(商)(行)(和)(2家)(农)(商)(行)(。
央)(行)(:净)(投)(2200亿)(元)(创)(重)(启)(逆)(回)(购)(以)(来)(最)(大)(投)(放)(量)(
12月)(28日)(,央)(行)(公)(告)(称)(,为)(稳)(定)(年)(末)(资)(金)(面)(,维)(护)(银)(行)(体)(系)(流)(动)(性)(合)(理)(充)(裕)(,28日)(以)(利)(率)(招)(标)(方)(式)(开)(展)(了)(2500亿)(元)(逆)(回)(购)(操)(作)(。其)(中)(包)(括)(1500亿)(元)(7天)(逆)(回)(购)(,1000亿)(元)(14天)(逆)(回)(购)(,创)(下)(逆)(回)(购)(重)(启)(以)(来)(最)(大)(投)(放)(量)(。本)(周)(银)(行)(间)(市)(场)(上)(7天)(期)(回)(购)(利)(率)(出)(现)(较)(明)(显)(上)(涨)(,R007由)(24日)(的)(3.01%大)(涨)(至)(27日)(的)(5.92%。跨)(年)(资)(金)(利)(率)(上)(行)(较)(快)(成)(为)(此)(次)(央)(行)(2200亿)(元)(净)(投)(放)(的)(主)(因)(。
银)(保)(监)(会)(:扩)(大)(直)(接)(融)(资)(比)(重)(优)(化)(金)(融)(结)(构)(
12月)(28日)(,银)(保)(监)(会)(副)(主)(席)(王)(兆)(星)(表)(示)(,要)(构)(建)(功)(能)(完)(备)(开)(放)(高)(效)(的)(现)(代)(金)(融)(市)(场)(体)(系)(。一)(是)(要)(大)(力)(发)(展)(多)(层)(次)(资)(本)(市)(场)(,扩)(大)(直)(接)(融)(资)(比)(重)(,优)(化)(金)(融)(结)(构)(。二)(是)(全)(面)(推)(动)(股)(票)(、债)(券)(、货)(币)(、信)(贷)(、外)(汇)(、黄)(金)(、大)(宗)(商)(品)(和)(衍)(生)(品)(市)(场)(建)(设)(,不)(断)(丰)(富)(金)(融)(产)(品)(体)(系)(。三)(要)(不)(断)(完)(善)(利)(率)(、汇)(率)(和)(收)(益)(率)(曲)(线)(等)(金)(融)(市)(场)(价)(格)(形)(成)(机)(制)(,提)(高)(价)(格)(对)(各)(类)(市)(场)(信)(息)(的)(反)(映)(和)(市)(场)(调)(节)(,更)(有)(效)(的)(实)(现)(资)(源)(优)(化)(配)(置)(。四)(是)(要)(有)(序)(推)(动)(金)(融)(体)(系)(开)(放)(,促)(进)(国)(内)(外)(金)(融)(市)(场)(深)(度)(融)(合)(。
3.同)(业)(资)(讯)(
大)(型)(国)(有)(银)(行)(
建)(设)(银)(行)(:五)(个)(方)(面)(助)(推)(“租)(购)(并)(举)(”
12月)(23日)(,第)(二)(十)(届)(北)(大)(光)(华)(新)(年)(论)(坛)(在)(京)(举)(行)(。中)(国)(建)(设)(银)(行)(董)(事)(长)(田)(国)(立)(对)(金)(融)(如)(何)(助)(推)(“租)(购)(并)(举)(”进)(行)(了)(阐)(释)(。一)(是)(打)(造)(了)(一)(个)(全)(国)(性)(安)(全)(、阳)(光)(的)(住)(房)(租)(赁)(综)(合)(服)(务)(平)(台)(;二)(是)(倡)(导)(“长)(租)(即)(长)(住)(长)(住)(即)(安)(家)(”等)(住)(房)(新)(理)(念)(;三)(是)(探)(索)(发)(展)(存)(房)(业)(务)(,激)(活)(存)(量)(闲)(置)(房)(源)(;四)(是)(打)(造)(住)(房)(租)(赁)(新)(生)(态)(,整)(合)(社)(会)(资)(源)(共)(同)(发)(展)(租)(赁)(市)(场)(,提)(升)(租)(住)(品)(质)(;五)(是)(研)(发)(住)(房)(租)(赁)(指)(数)(,促)(进)(形)(成)(租)(金)(合)(理)(预)(期)(。
农)(业)(银)(行)(:与)(重)(庆)(市)(政)(府)(签)(订)(金)(融)(战)(略)(合)(作)(协)(议)(
近)(日)(,中)(国)(农)(业)(银)(行)(股)(份)(有)(限)(公)(司)(在)(渝)(与)(重)(庆)(市)(人)(民)(政)(府)(签)(订)(金)(融)(战)(略)(合)(作)(协)(议)(。根)(据)(协)(议)(,农)(业)(银)(行)(将)(在)(加)(大)(服)(务)(实)(体)(经)(济)(力)(度)(、推)(进)(乡)(村)(振)(兴)(和)(城)(市)(提)(升)(、建)(设)(国)(际)(陆)(海)(贸)(易)(新)(通)(道)(等)(方)(面)(与)(重)(庆)(深)(化)(金)(融)(战)(略)(合)(作)(。积)(极)(支)(持)(重)(庆)(自)(贸)(区)(和)(中)(新)(项)(目)(建)(设)(,助)(力)(推)(进)(“一)(带)(一)(路)(”项)(目)(合)(作)(,支)(持)(西)(部)(地)(区)(与)(东)(南)(亚)(的)(投)(融)(资)(、外)(汇)(交)(易)(、人)(民)(币)(结)(算)(等)(跨)(境)(金)(融)(合)(作)(。
中)(国)(银)(行)(:成)(立)(城)(盈)(住)(房)(服)(务)(有)(限)(公)(司)(
近)(日)(,中)(国)(银)(行)(住)(房)(租)(赁)(场)(景)(服)(务)(生)(态)(再)(添)(重)(要)(板)(块)(,城)(盈)(住)(房)(服)(务)(有)(限)(公)(司)(在)(上)(海)(正)(式)(注)(册)(成)(立)(。城)(盈)(住)(房)(由)(中)(国)(银)(行)(全)(资)(附)(属)(公)(司)(中)(银)(城)(市)(发)(展)(资)(产)(管)(理)((上)(海)()有)(限)(公)(司)(,与)(长)(租)(运)(营)(专)(业)(机)(构)(盈)(家)(生)(活)(共)(同)(出)(资)(组)(建)(,立)(足)(“为)(城)(市)(提)(供)(更)(好)(的)(房)(,为)(租)(客)(提)(供)(更)(好)(的)(服)(务)(”,同)(时)(发)(力)(供)(给)(端)(和)(需)(求)(端)(,依)(托)(标)(准)(化)(、人)(性)(化)(、创)(新)(化)(的)(运)(营)(服)(务)(,打)(造)(特)(色)(城)(盈)(住)(房)(服)(务)(品)(牌)(。
政)(策)(性)(银)(行)(
国)(开)(行)(:继)(续)(加)(大)(对)(集)(成)(电)(路)(产)(业)(和)(5G商)(用)(的)(支)(持)(
12月)(24日)(,国)(家)(开)(发)(银)(行)(党)(委)(召)(开)(会)(议)(,传)(达)(学)(习)(中)(央)(经)(济)(工)(作)(会)(议)(精)(神)(。国)(开)(行)(党)(委)(书)(记)(、董)(事)(长)(赵)(欢)(作)(出)(部)(署)(。一)(是)(助)(力)(制)(造)(业)(高)(质)(量)(发)(展)(。大)(力)(支)(持)(科)(技)(创)(新)(领)(域)(发)(展)(,继)(续)(加)(大)(对)(集)(成)(电)(路)(产)(业)(和)(5G商)(用)(的)(支)(持)(。二)(是)(加)(大)(力)(度)(支)(持)(基)(础)(设)(施)(补)(短)(板)(。聚)(焦)(交)(通)(、物)(流)(、水)(利)(等)(领)(域)(,加)(快)(投)(融)(资)(模)(式)(创)(新)(和)(市)(场)(化)(现)(金)(流)(建)(设)(,切)(实)(发)(挥)(有)(效)(投)(资)(的)(关)(键)(作)(用)(。
全)(国)(股)(份)(制)(银)(行)(
兴)(业)(银)(行)(:成)(功)(注)(册)(全)(国)(首)(单)(“三)(绿)(”ABN
12月)(25日)(,兴)(业)(银)(行)(作)(为)(牵)(头)(承)(销)(商)(的)(广)(州)(地)(铁)(集)(团)(50亿)(元)(客)(票)(收)(益)(权)(资)(产)(支)(持)(票)(据)((ABN)项)(目)(在)(银)(行)(间)(市)(场)(交)(易)(商)(协)(会)(成)(功)(注)(册)(。这)(是)(国)(内)(具)(备)(绿)(色)(发)(行)(主)(体)(、绿)(色)(资)(金)(用)(途)(、绿)(色)(基)(础)(资)(产)(的)(市)(场)(首)(单)(“三)(绿)(”ABN,也)(是)(全)(国)(绿)(色)(金)(融)(改)(革)(创)(新)(试)(验)(区)(首)(单)(绿)(色)(ABN、全)(国)(首)(单)(轨)(道)(交)(通)(以)(客)(票)(费)(收)(益)(权)(作)(为)(基)(础)(资)(产)(的)(ABN。
平)(安)(银)(行)(:拟)(发)(260亿)(可)(转)(债)(获)(批)(
12月)(26日)(,证)(监)(会)(核)(准)(平)(安)(银)(行)(发)(行)(总)(额)(260亿)(元)(可)(转)(换)(公)(司)(债)(券)(,期)(限)(6年)(。平)(安)(银)(行)(2017年)(报)(显)(示)(,其)(核)(心)(资)(本)(充)(足)(率)(为)(8.28%,同)(比)(下)(降)(8个)(基)(点)(,环)(比)(下)(降)(4个)(基)(点)(;资)(本)(充)(足)(率)(为)(11.20%,较)(年)(初)(下)(降)(0.33个)(百)(分)(点)(;而)(拨)(贷)(比)(为)(2.57%,同)(比)(下)(降)(14个)(基)(点)(。拨)(备)(覆)(盖)(率)(为)(151%,同)(比)(下)(降)(4个)(百)(分)(点)(。
光)(大)(银)(行)(:利)(用)(降)(准)(资)(金)(实)(施)(市)(场)(化)(债)(转)(股)(项)(目)(合)(作)(签)(约)(
12月)(27日)(,中)(国)(光)(大)(集)(团)(与)(内)(蒙)(古)(远)(兴)(能)(源)(股)(份)(有)(限)(公)(司)(签)(署)(债)(转)(股)(协)(议)(。这)(是)(内)(蒙)(古)(首)(单)(落)(地)(的)(民)(营)(企)(业)(市)(场)(化)(债)(转)(股)(项)(目)(,也)(是)(全)(国)(股)(份)(制)(银)(行)(首)(单)(利)(用)(降)(准)(资)(金)(实)(施)(的)(市)(场)(化)(债)(转)(股)(项)(目)(。根)(据)(协)(议)(,光)(大)(集)(团)(为)(远)(兴)(能)(源)(及)(其)(子)(公)(司)(投)(入)(10亿)(元)(“入)(股)(还)(债)(”资)(金)(,同)(时)(保)(持)(对)(企)(业)(原)(有)(授)(信)(额)(度)(不)(变)(。
民)(生)(银)(行)(:发)(布)(供)(应)(链)(金)(融)(品)(牌)(-民)(生)(E链)(
12月)(29日)(,民)(生)(银)(行)(发)(布)(供)(应)(链)(金)(融)(品)(牌)(——“民)(生)(E链)(”,这)(标)(志)(着)(该)(行)(改)(革)(转)(型)(战)(略)(业)(务)(之)(一)(的)(供)(应)(链)(金)(融)(进)(入)(了)(新)(的)(发)(展)(阶)(段)(。与)(此)(同)(时)(,包)(括)(民)(生)(银)(行)(、中)(信)(银)(行)(、光)(大)(银)(行)(等)(十)(余)(家)(银)(行)(“抢)(滩)(”布)(局)(供)(应)(链)(金)(融)(领)(域)(,以)(期)(“分)(羹)(”万)(亿)(市)(场)(。此)(外)(,多)(家)(城)(商)(行)(,如)(南)(京)(银)(行)(、贵)(阳)(银)(行)(等)(也)(在)(将)(供)(应)(链)(金)(融)(作)(为)(重)(要)(业)(务)(予)(以)(推)(进)(。
招)(商)(银)(行)(:资)(产)(托)(管)(领)(域)(首)(次)(运)(用)(智)(能)(机)(器)(人)(
近)(日)(,招)(行)(在)(上)(线)(的)(新)(版)(网)(上)(托)(管)(银)(行)(系)(统)(中)(,使)(用)(了)(智)(能)(机)(器)(人)(参)(与)(业)(务)(处)(理)(,率)(先)(实)(现)(机)(器)(人)(流)(程)(自)(动)(化)(技)(术)(在)(资)(产)(托)(管)(领)(域)(的)(应)(用)(。招)(行)(托)(管)(智)(能)(机)(器)(人)(可)(以)(采)(集)(并)(处)(理)(资)(金)(计)(划)(信)(息)(,根)(据)(设)(定)(的)(资)(金)(划)(转)(路)(径)(执)(行)(资)(金)(自)(动)(归)(集)(,处)(理)(周)(期)(性)(凭)(证)(并)(自)(动)(结)(转)(,获)(取)(资)(金)(、证)(券)(信)(息)(和)(账)(务)(数)(据)(进)(行)(持)(仓)(和)(头)(寸)(核)(对)(,还)(能)(够)(自)(动)(更)(新)(主)(数)(据)(、发)(送)(变)(更)(通)(知)(、发)(布)(主)(数)(据)(、出)(具)(提)(示)(函)(等)(。
其)(他)(商)(业)(银)(行)(
12月)(26日)(,锦)(州)(银)(行)(与)(腾)(讯)(云)(举)(行)(战)(略)(合)(作)(签)(约)(仪)(式)(,双)(方)(宣)(布)(联)(合)(成)(立)(金)(融)(科)(技)(创)(新)(实)(验)(室)(,将)(在)(智)(慧)(信)(贷)(业)(务)(平)(台)(建)(设)(、客)(户)(体)(验)(智)(能)(化)(及)(互)(联)(网)(银)(行)(转)(型)(等)(方)(面)(展)(开)(全)(面)(深)(入)(合)(作)(。此)(前)(,腾)(讯)(云)(已)(相)(继)(与)(招)(商)(银)(行)(、光)(大)(银)(行)(、济)(宁)(银)(行)(等)(达)(成)(或)(继)(续)(深)(化)(合)(作)(。
12月)(26日)(,江)(苏)(银)(行)(新)(一)(代)(全)(球)(智)(能)(结)(算)(平)(台)(上)(线)(运)(营)(。该)(平)(台)(是)(该)(行)(对)(新)(兴)(互)(联)(网)(技)(术)(在)(外)(汇)(业)(务)(上)(的)(探)(索)(运)(用)(,在)(业)(内)(首)(创)(了)(智)(能)(国)(际)(结)(算)(体)(系)(,包)(括)(了)(智)(能)(结)(算)(、智)(能)(清)(算)(、智)(能)(管)(理)(和)(智)(能)(服)(务)(四)(大)(版)(块)(。目)(前)(,江)(苏)(银)(行)(年)(度)(国)(际)(结)(算)(量)(突)(破)(千)(亿)(美)(元)(。
民)(生)(银)(行)(研)(究)(院)(金)(融)(发)(展)(研)(究)(团)(队)(
minshengyinhang
王)(一)(峰)(wangyifeng5@cmbc.com.cn
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李)(相)(栋)(lixiangdong1@cmbc.com.cn
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董)(文)(欣)(dongwenxin@cmbc.com.cn
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宋)(江)(立)(songjiangli@cmbc.com.cn
民)(生)(银)(行)(研)(究)(院)(金)(融)(发)(展)(研)(究)(团)(队)(
minshengyinhang
王)(一)(峰)(wangyifeng5@cmbc.com.cn
张)(丽)(云)(zhangliyun@cmbc.com.cn
李)(相)(栋)(lixiangdong1@cmbc.com.cn
麻)(艳)(mayan12@cmbc.com.cn
董)(文)(欣)(dongwenxin@cmbc.com.cn
李)(鑫)(lixin68@cmbc.com.cn
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