Китайские финансы достигли совершеннолетия

ЛОНДОН. Эволюция китайской финансовой системы в последние годы была экстраординарной. Я наблюдал за её преобразованием в качестве члена Международного консультативного совета Регулирующей комиссии банков Китая (РКБК).

Ещё в 2002 г. у всех крупнейших банков Китая было полно безнадёжных кредитов, которые в некоторых случаях составляли более 10% общего баланса. Ни один из крупнейших банков не соответствовал даже «Базельским нормативам 1» достаточности капитала. Немногие финансисты Лондона или Нью-Йорка смогли бы вспомнить название любого другого банка, кроме Банка Китая, который они, к тому же, часто принимали за центральный банк. А предположение о том, что ФРС США или Управлению по финансовым услугам Великобритании есть чему поучиться у финансовых властей Китая, посчитали бы нелепостью.

Менее чем через десятилетие многое изменилось. Старая проблема безнадёжных кредитов была решена, прежде всего, за счёт создания компаний по управлению активами для приобретения сомнительных активов, а также за счёт вливания нового капитала в коммерческие банки. Сейчас подтверждённые безнадёжные кредиты составляют немногим более 1% от стоимости активов. Были привлечены иностранные партнёры для передачи навыков, а мелких акционеров теперь поддерживают. Согласно текущим оценкам, четыре китайских банка вошли в первую десятку по рыночной капитализации (совокупной рыночной стоимости выпущенных акций). Теперь они расширяют свою деятельность за границу, укрепившись значительным капиталом.

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