商業(yè)銀行“貸存比”取消

A bank employee prepares bank notes. The State Council moved to scrap a rule that caps lending by commercial banks at 75 percent of their deposits, a measure that will increase the supply of cash in the financial system. [Photo/China Daily]

China will scrap commercial banks' loan-to-deposit ratio. It will propose amending the nation's banking law to make the limit a ratio used for reference rather than a regulatory statute.

中國將取消商業(yè)銀行的“貸存比”，提出修正銀行法案，將貸存比由法定監(jiān)管指標(biāo)轉(zhuǎn)為參考指標(biāo)。

“貸存比”可以用 loan-to-deposit ratio表示，即銀行資產(chǎn)負(fù)債表(balance sheet)中的貸款余額占存款余額的比例。

貸存比一直是商業(yè)銀行用來衡量銀行流動(dòng)性風(fēng)險(xiǎn)(liquidity risk)的指標(biāo)之一。為防止銀行過度擴(kuò)張，央行規(guī)定商業(yè)銀行最高的貸存比例為75%。貸存比仍將與流動(dòng)性覆蓋率(liquidity coverage ratio，LCR)、凈穩(wěn)定資金比率(net stable funding ratio，NSFR)等作為流動(dòng)性風(fēng)險(xiǎn)管理指標(biāo)。

中央銀行試圖減少金融系統(tǒng)的一些壓力，自11月來，已3次下調(diào)基準(zhǔn)利率(benchmark interest rate)，今年以來已2次下調(diào)存款準(zhǔn)備金率(deposit-reserve ratio)。