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英国新兴银行督促政府打破大银行垄断

近日,英国新兴银行Paragon指出,英国政府在打破借贷垄断方面尚做得不够。

Paragon成立于1985年,一开始是一家专门"以租还贷"按揭贷款银行,近几年,其业务范围扩展到更多其他金融服务,加快进军主流银行业务(包括汽车、商业及发展金融)。上周末, 这家富时250强银行发表利润报表,税前利润截止九月同比增长1.1%,达1亿4480万英镑;借贷资金总额增加28.8%达19亿英镑。在监管改变和印花税增加而导致整体需求低迷的环境中,去年其核心业务"以租还贷"仍然实现了增长。

Paragon CEO Nigel Terrington表示,如今大银行的市场份额比金融危机前还大。Terrington认为,英国财相本应该利用近日公布预算机会来提高银行利润8%额外税率的起征点(现在是2500万英镑),以此来帮助挑战者银行。

他同时还警告称,按照MREL规定,英国央行要求所有资产负债表大于150亿英镑的借贷方预留破产自救债务资金,而这可能会抑制行业竞争。

毕竟,150亿英镑对英国经济不存在系统性风险,但对企业资金在这条标准线之下同时还计划拓展规模的新兴银行业从业者来说,这样的资金压力却非常巨大。

不过Terrington仍然表示,他对公司新兴的发展金融业务(针对小型开发商)有信心,该业务将受益于预算方案中提到的加大投资建房。

 

Challenger bank Paragon believes the Government is not doing enough to break-up the dominance of Britain's big lenders.

The FTSE 250 bank, which posted a slim rise in full-year profits today, said attempts by politicians to shake up the sector had not gone far enough.

"The evidence today suggests it's not working," Nigel Terrington, chief executive at Paragon, told the Telegraph.

"Government policy is they want to see greater competition. But the big banks today have a bigger market share than before the financial crisis."

Mr Terrington said Chancellor Philip Hammond should have used yesterday's Budget to raise the threshold at which the Treasury levies its 8pc surcharge on bank profits from the current level of £25m to help out challenger banks.

He also warned the Bank of England's requirement for all lenders with a balance sheet of over £15bn to set aside debt that can be 'bailed in' if they fail, known as 'MREL', would stifle competition.

"At £15bn you're not a systemic risk to the UK economy," Mr Terrington said. "It suddenly becomes a whole lot more expensive to do business above that."

Paragon's pre-tax profits inched up 1.1pc to ?144.8m for the year to September, while its total lending jumped 28.8pc to £1.9bn.

The bank restructured this year to accelerate its push into mainstream banking services, including car, business and development finance.

Paragon started life in 1985 as a specialist buy-to-let mortgage lender but has moved into a broader range of financial services in recent years.

Paragon said it grew its core buy-to-let lending business last year despite "dampening demand" in the sector overall due to regulation changes and a rise in stamp duty.

"We have found our competitive landscape actually improving as a lot of our competitors have stopped," Mr Terrington said.

He said he was hopeful the firm's fledging development finance business - which targets small builders - would be a beneficiary of the housebuilding push announced in the Budget.

Paragon announced a 2.2p increase in its dividend to 15.7p and a £50m share buyback.

The bank's net interest margin reduced slightly to 2.13pc, down from 2.15pc, but it expects it to increase again in the current financial year.


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