銀行

　　監(jian)管調低持有債轉股(gu)股(gu)權風(feng)險權重

　　中國銀(yin)(yin)保(bao)監會日前下(xia)調商業銀(yin)(yin)行持(chi)有債(zhai)轉股(gu)股(gu)權(quan)(quan)風(feng)險(xian)權(quan)(quan)重(zhong)，下(xia)發《關(guan)于市(shi)場(chang)化債(zhai)轉股(gu)股(gu)權(quan)(quan)風(feng)險(xian)權(quan)(quan)重(zhong)的(de)通(tong)知(zhi)》（簡稱“《通(tong)知(zhi)》”）。《通(tong)知(zhi)》規(gui)定商業銀(yin)(yin)行因市(shi)場(chang)化債(zhai)轉股(gu)持(chi)有的(de)上市(shi)公司股(gu)權(quan)(quan)的(de)風(feng)險(xian)權(quan)(quan)重(zhong)為(wei)250%，持(chi)有非上市(shi)公司股(gu)權(quan)(quan)的(de)風(feng)險(xian)權(quan)(quan)重(zhong)為(wei)400%。

　　點評：《通知(zhi)》對(dui)降低商業(ye)銀行(xing)(xing)(xing)債(zhai)轉股業(ye)務的資(zi)(zi)本占用(yong)作用(yong)明顯，根據此(ci)前(qian)《商業(ye)銀行(xing)(xing)(xing)資(zi)(zi)本管理辦法（試行(xing)(xing)(xing))》規定(ding)，商業(ye)銀行(xing)(xing)(xing)被動(dong)持有(you)或(huo)因(yin)政策性原(yuan)因(yin)持有(you)的對(dui)工商企業(ye)股權(quan)投資(zi)(zi)，在(zai)開始持有(you)的兩年內風險權(quan)重為400%，兩年后還(huan)未處置(zhi)的風險權(quan)重上(shang)升至1250%。《通知(zhi)》的發布，一(yi)定(ding)程(cheng)度上(shang)能緩解(jie)銀行(xing)(xing)(xing)的資(zi)(zi)本壓力，有(you)助于緩解(jie)債(zhai)轉股落地難問題。