最有看点的互联网金融门户

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国际资讯监管与政策

美国货币监理署发布2016秋季银行风险分析报告

近日,美国货币监理署发布了2016年秋季银行风险分析报告(原文下载,请点击)。报告显示,对战略风险、信用风险、操作风险以及合规风险的防控仍是美国国家银行以及联邦储蓄协会发展所面临的巨大挑战。

战略风险

近年来,随着银行加快转变业务模式,盲目追求高收益产品,战略风险防控在银行的发展过程中的重要性也越来越明显。对银行来说,在开发新产品及服务流程前,制定必要的战略规划是防控风险的有效举措,有利于银行及时了解不断变化的金融服务需求,应对以互联网金融公司为代表的新型金融机构的挑战。

信用风险

面对来自同行业以及民间借贷机构的竞争压力,近年来,以商业、商业房地产和汽车贷款为代表,银行持续降低贷款准入门槛,竭力提高贷款数额。由于风险保障体系的不完善、风险层级的增加、不断出现的政策性贷款"特权"、贷款价值比率的提高等一系列因素,银行发展所面临的信用风险等级正在不断增加。

操作风险

操作风险仍是银行所面临的巨大挑战之一。随着网络科技的不断进步,互联网金融机构成为了新型金融科技的引领者。银行需要加强科技创新,建立完善的操作体系,以应对网络安全威胁,摆脱对互联网金融公司的技术依赖。同时,实现对理财产品以及销售行为高科技、高效率的管理。

合规风险

银行有责任在办理综合抵押贷款业务时,进行有效的信息披露。此外,银行还应严格遵守退伍军人贷款法案和银行保密法等监管条约。

该报告是基于2016年下半年以来的金融数据,显示了美国国家银行以及联邦储蓄协会发展所面临的风险。报告主要提供了运营环境、银行业绩、主要风险趋势和监管行为方面的相关数据。其中,主要侧重于那些威胁金融机构安全性和稳定的潜在风险。该报告对行业的研究和审查具有重大的借鉴意义。

The Office of the Comptroller of the Currency (OCC) reported strategic, credit, operational, and compliance risks remain top concerns in its Semiannual Risk Perspective for Fall 2016, released today.

Highlights from the report include:

Strategic risk remains high as banks consider business model changes and face challenges in growing revenue. Strategic planning remains important as banks adopt innovative products, services, and processes in response to the evolving demands for financial services and the entrance of new competitors, such as out-of-market banks and financial technology firms.

Banks continue to ease underwriting practices to boost loan volume and to respond to competition from bank and nonbank lenders. These actions are evident in commercial, commercial real estate and auto lending. The level of risk is increasing due to increased risk layering, rising loan policy exceptions, increasing loan-to-value ratios, and weaker covenant protection.

Operational risk remains a concern as banks face changing cybersecurity threats, increased reliance on third-party relationships, and address the need for sound governance over sales practices.

● Banks face challenges meeting the integrated mortgage disclosure requirements and amended Military Lending Act regulatory requirements, the latter of which compliance was required by October 3, 2016, and managing Bank Secrecy Act risks.

The report covers risks facing national banks and federal savings associations based on data through June 30, 2016. It presents data in four main areas: the operating environment, bank performance, trends in key risks, and regulatory actions. It focuses on issues that pose threats to the safety and soundness of those financial institutions regulated by the OCC and is intended as a resource to the industry, examiners, and the public.

GELP

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