银行业重启不良资产证券化 六大银行参与试点

 　　China has restarted nonperforming asset securitization after halting the business in 2009.

　　在2009年暂停之后，中国现在将重新启动不良资产证券化。

　　The five largest commercial lenders in the country－Industrial and Commercial Bank of China Ltd, China Construction Bank Corp, Agricultural Bank of China Ltd, Bank of China Ltd and Bank of Communications Co Ltd－plus China Merchants Bank Co Ltd, the first shareholding¹ commercial lender wholly owned by corporate² legal entities³, are reportedly carrying out the trial program.

　　中国五家最大商业银行，中国工商银行、中国建设银行、中国银行、中国交通银行、中国农业银行以及中国第一家完全由企业法人持股的股份制商业银行招商银行将作为试点机构。

　　Reuters reported the regulators set a quota⁴ of 50 billion yuan ($7.6 billion) in total on the trial, but according to Economic Information Daily, a newspaper run by Xinhua News Agency, the regulators did not specify⁵ a quota for the entire program.

　　路透社报道称，监管层对不良资产证券化总试点额度为500亿元。但据新华社下属机构《经济参考报》称，监管层对整体试点额度并没有明确指标。

　　银行业重启不良资产证券化 六大银行参与试点Bank of China is reportedly making the fastest progress among the six banks. It launched NPA securitization last year, submitted its plan on relevant products to the regulators, and is now adjusting its quota on the issuance of bad asset-backed securities according to the regulators' requirement.

　　在上述六家银行中，中行据报道是最快采取行动的，其不良资产证券化进程已于去年启动，目前，相关产品方案已经报送到监管层，而发行额度也应监管部门要求在调整中。

　　Two other major banks also started their own trial and confirmed the lead underwriter recently, the newspaper reported. None of the six banks replied for comment.

　　《经济参考报》称，另外两家主要银行也于不久前启动了不良资产证券化的试点工作，并在最近确定了主承销商。但是上述六家银行都没有就此问题回应。

　　Nonperforming loans have been on the rise in China for 17 consecutive⁶ quarters, according to statistics from the China Banking⁷ Regulatory Commission. By the end of December, the outstanding NPLs of commercial banks increased by 51 percent year-on-year to 1.27 trillion yuan. During the same period, the NPL ratio went up 42 basis points to 1.67 percent.

　　根据中国银行业监管委员会的数据显示，商业银行不良贷款额连续17个季度上升。截止去年12月，中国商业银行的不良资产总额同比上升了51%，达1.27万亿元。同一时期，不良资产率上升了42个基点，达1.67%。

 

1 shareholding   

n.股权

参考例句：

• Shareholding commercial banks must exercise an independent system of board of directors. 股份制商业银行必须实行独立董事制度。 来自互联网
• Asset re-structuring: to conduct shareholding reform for high quality assets. 资产重组：对优质资产进行股份制改造。 来自互联网

2 corporate   

adj.共同的，全体的；公司的，企业的

参考例句：

• This is our corporate responsibility.这是我们共同的责任。
• His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。

3 entities   

实体对像； 实体，独立存在体，实际存在物( entity的名词复数 )

参考例句：

• Our newspaper and our printing business form separate corporate entities. 我们的报纸和印刷业形成相对独立的企业实体。
• The North American continent is made up of three great structural entities. 北美大陆是由三个构造单元组成的。

4 quota   

n.（生产、进出口等的）配额，（移民的）限额

参考例句：

• A restricted import quota was set for meat products.肉类产品设定了进口配额。
• He overfulfilled his production quota for two months running.他一连两个月超额完成生产指标。

5 specify   

vt.指定，详细说明

参考例句：

• We should specify a time and a place for the meeting.我们应指定会议的时间和地点。
• Please specify what you will do.请你详述一下你将做什么。

6 consecutive   

adj.连续的，联贯的，始终一贯的

参考例句：

• It has rained for four consecutive days.已连续下了四天雨。
• The policy of our Party is consecutive.我党的政策始终如一。

7 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。