审慎监管机构负责人周四说由于几十万人在疫情中失业导致可能的贷款损失，澳洲的银行在未来一年资本准备金可能减少。
澳洲审慎监管局局长周四说澳洲银行强劲的资产负债表让他们可以起到“经济减震器”的作用。
“银行一直在积累资本金这样在困难时期能够吸收损失，维持向经济的信用流动。” Byres 在网络会议的开场白中说。
“现在是让这些发生的时候了。这意味着资本比例在未来一年会降低，这不该令人惊讶。”
https://www.reuters.com/article/us-australia-banks-regulator/australia-banks-capital-buffers-expected-to-fall-over-coming-year-idUSKBN22X095
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“洗手”损失
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洗手损失？ 吸收？
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这个好的讯号！降准！而且会大幅度降准。加上近期降息。市场应该开始慢慢会恢复信心！
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大幅度降准，大利好啊
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利好股市，多出来的钱流不进实体经济
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major bank CET1 ratios below 10 per cent again are to be expected. As that occurs, we need to keep it in perspective: less than three years ago, the aggregate major bank CET1 ratio had never been above 10 per cent, yet they were still regarded by investors and rating agencies as very strong banks.
Our message to make use of capital buffers to support economic activity has not, though, been without strings attached. Capital can essentially be used for three purposes: to sustain and grow the business, to absorb losses, or to reward shareholders. We prefer capital buffers utilised for the first two. As a result, we wrote to banks and insurers in early April asking that they seriously consider deferring, or at least materially reducing, discretionary capital distributions in the months ahead. A number chose to defer dividends, while those that paid have generally offset them with other capital raisings.
https://www.apra.gov.au/news-and ... as-regulators-event
APRA 希望这些多出的资金能应用在生意投资扩张及减少损失。
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太专业了
请教一下这句：The CET1 capital ratio of the banking system – the key metric of financial soundness – was above 11 per cent during 2019
是不是银行的准备金达到了贷款总额的11%？如果坏账不超过贷款总额的11%，就可以用这些准备金cover坏账损失，这样理解对吗？
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我的了解是CET1 是指银行资本，包裹可以是储蓄，资本，利润等等。降低资本缓冲基金基本是让银行可以做多一点放贷动作，或预留可能造成的损失烂账。
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