APRA（澳大利亚审慎监管局）提议上调资本金要求，以确保大型银行能拥有足够的“吸收亏损能力”。 APRA在11月8日上午表示，将在5年内将四大银行的总资本金要求提高4至5个百分点，上调其风险加权资产的总资本金要求。 任何形式的资本都可以用来满足这一更严格的标准，预计多数银行将通过二级资本筹集资金
评论
哇哇哇，商业银行越发不容易了
评论
标题是反话吗
评论
现在就是搞不懂楼主是哪个方向的高级黑
评论
LZ提出一个反智题，意思因为提高储备金持有量，因而把储备金也放贷出去了，
评论
正常人理解的反方向就是楼主的方向，明白了吧！
评论
房市雪上加霜
评论
这其实相当于加息，提高准备金。
评论
但4大今天没怎么掉啊
评论
楼主有没有看懂。提高银行资本金就是变相的缩表，以此带来的影响类似加息。我是做银行业的，现在大熊妹的预测成真，房市估计在不远的将来会血流成河
评论
将在5年内将四大银行的总资本金要求提高4至5个百分点............
好狠，这是釜底抽薪啊
顺便举报肯定有很多不是中国人的特务存在，连中文都看不懂
评论
恩，还好只是propose。。。
帮贴个链接
https://www.afr.com/business/ban ... ock-20181107-h17n5x
APRA proposes lifting major bank capital levels to protect from any shock
Banks face more upward pressure on funding costs, with the prudential regulator proposing to lift capital requirements to ensure the majors have sufficient "loss-absorbing capacity", a move major credit ratings agencies say could strengthen the outlook for the sector.
The Australia Prudential Regulation Authority said on Thursday morning it will increase the total capital requirement for the four major banks by 4 to 5 percentage points of risk-weighted assets within five years.
That equates to around $75 billion of additional capital, but the banks said in ASX released they would reduce their level of senior debt to offset the new issuance.
APRA said any form of capital will be able to be used to meet the stricter standards, and it expects most banks to raise it via Tier 2 capital. Banks will not be required to create a new type of loss absorbing instrument.
Proposed changes to the major banks' capital structures. APRA
Ratings agency S&P Global Ratings said the proposal suggests no change in the level of Australian government support of the major banks. It said when the plan becomes law, it may revise its outlook for the major banks to 'stable' from their current 'negative'.
ASX Announcements Expand
"In our view, today's announcement is a pragmatic recognition that the Australian government considers that it remains imperative for the government to be highly supportive of the systemically important banks, and that the government would very likely provide additional financial support, if needed," S&P said.
Major banks shares were trading around 1 per cent higher at midday AEST (except for NAB, which traded ex-dividend).
APRA said "the proposed changes are expected to marginally increase each major bank's cost of funding – incrementally over four years – by up to five basis points based on current pricing.
"This is not expected to have an immediate or material effect on lending rates."
"No matter how resilient financial institutions are, the possibility of failure cannot be entirely removed," APRA ...
"No matter how resilient financial institutions are, the possibility of failure cannot be entirely removed," APRA chairman Wayne Byres says. Dominic Lorrimer
However, Westpac said in an ASX statement "it is not possible at this point to determine the actual total cost for Westpac", because additional supply of Tier 2 capital in the market will impact pricing and the costs of other funding sources are also likely to change.
The new requirements - designed to ensure banks are able to be resolved in an orderly fashion in the unlikely event of a failure - will take full effect from 2023. They will require the major banks to hold a total capital buffer of around 19 per cent, up from 14.5 per cent.
National Australia Bank said based on its total risk weighted assets of $390 billion at September 30, it will need an "incremental increase of $16 billion to $19 billion of total capital, with a corresponding decrease in senior debt issuance."
Westpac said based on its risk weighted assets of $425 billion at September 30, it will need an "incremental increase of around $17 billion to $21 billion of total capital, with a corresponding decrease in other forms of funding".
ANZ said based on its risk weighted assets of $391 billion at September 30 it would need an "incremental increase in total capital of approximately $16 billion to $20 billion, with an equivalent decrease in other senior funding".
CBA said based on its risk weighted assets of $461 billion at September 30, it would require "an incremental increase of approximately $18 billion to $23 billion of total capital" and CBA "expects that this requirement would result in a decrease in other forms of funding".
Moody's Investors Service associate managing director Patrick Winsbury said it views the changes "as credit positive for the banking industry".
"We also believe that the changes, if implemented, will strengthen bank balance sheets further, consistent with APRA's target of making Australian banks 'unquestionably strong'."
APRA's move comes alongside moves by the Financial Stability Board to create a total loss-absorbing capacity (TLAC) standard for 30 of the world's most systemically important banks. The policies are designed to reduce the need for "too big to fail" banks to require government support in a crisis.
The introduction of TLAC policies are a delicate balancing act, because they can lead global ratings agencies to reduce their assumptions that banks will receive implicit government support in a crisis (given a bigger capital buffer reduces the need for such support), which could trigger a ratings cut.
But S&P Global Ratings said on Thursday that Australia's model creates no such issue.
"An increased level of loss absorbing tier-2 hybrids, a consequence of implementing the proposal by APRA, could lessen the need for the Australian government to recapitalise these banks if they were to experience distress," S&P said. "At the same time, we believe that the proposal points to a continued heavy reluctance by Australian policymakers and the government to allow a default on any senior unsecured obligations of these institutions."
APRA said it has worked with the Council of Financial Regulators on the approach which will be "simple, flexible and designed with the distinctive features of the Australian financial system in mind".
APRA said for banks outside the big four, there is likely to be no adjustment, "although a small number may be required to maintain additional total capital depending on the outcome of resolution planning". It is also consulting on a new framework for banks recovery and resolution next year.
On the capital structure, Tier 2 capital sits above common equity and Tier 1 hybrids and below senior, unsecured bonds. Tier 2 capital instruments can be converted to equity if a "non-viability trigger event" occurs. The conversion is designed to allow the bank to be stabilised during its resolution.
"The resilience of the Australian banking system continues to improve, underpinned by the build-up of capital over the last decade," said APRA chairman Wayne Byres in a statement.
"However, no matter how resilient financial institutions are, the possibility of failure cannot be entirely removed. Therefore, in addition to strengthening the resilience of the financial system, it is prudent to plan for the unlikely event of failure.
"The events of the global financial crisis demonstrated the impact that failures can have on the broader financial system and the subsequent social and economic consequences.
"The aim of these proposals and resolution planning more broadly is to ensure that the failure of a financial institutions can be resolved in an orderly fashion, which protects the interests of beneficiaries and minimises disruption to the financial system."
The loss absorbing capacity capital work is separate from APRA's moves to increase common equity tier 1 (CET1) capital to levels that are 'unquestionably strong'.
The increase in loss absorbing capacity capital follows a recommendation of the 2014 financial system inquiry for APRA to implement a framework "in line with emerging international practice, sufficient to facilitate the orderly resolution of Australian ADIs and minimise taxpayer support". This was supported by the government in its response to the FSI.
A discussion paper seeks feedback from stakeholders on the proposals. Submissions are due by February 8.
评论
谁能用白话给解释一下呗？啥意思？银行的储备金不是来自于储户吗？人家存不存款银行也管不了，要提高储备金，怎么提高啊？
评论
Don't forget APRA is the boss of all banks, it sat it is proposal, it means this is wake up call and it will do it.
评论
borrow money from overseas
评论
外面借去啊
评论
银行安全了 大家才不会血流成河 好事
评论
那房巿就血流成河了
评论
二种方法 一是将借出去的钱收回一部分或向海外举债
即借贷成本增高 变成加息
评论
不是存款准备金，而是银行的自有资本。是根据巴塞尔3协议，要把银行的资本金提高到12-13%以上。中国的银行已经为这个奋斗了好几年了。
评论
难道要加息了。。。。。。
评论
加也不敢加，感觉Apra认为快崩盘了，要银行提前做好准备扛过去
评论
好快 银行将由于更多资金储备而降息放货了
评论
哎呀 好恐怖~~~~
评论
年初政府偷偷改了法律增强了apra crisis power，现在apra提案也是protect from any shock，最近做这么多危机预防的动作，说明快来了
评论
咋办阿。。。。。。
评论
专家们一边声称房市不会崩盘，一边做着最坏的打算
历史经验多次证明不要听专家的，保住自己的钱包才是王道
评论
专家希望人人勇当接盘侠
澳洲中文论坛热点
- 悉尼部份城铁将封闭一年，华人区受影响！只能乘巴士（组图）
- 据《逐日电讯报》报导，从明年年中开始，因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
- 联邦政客们具有多少房产？
- 据本月早些时分报导，绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联