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Postion>>Products>>Commercial Bank>>商业银行混合资本债券评级
Commercial Bank
商业银行混合资本债券评级
4-6-2014
1. 定义:混合资本债券是针对巴塞尔资本协议对于混合(债务、股权)资本工具的要求而设计的一种债券形式,所募资金可计入银行附属资本。与目前各家银行发行的次级债相比,混合资本债券具有较高的资本属性,当银行倒闭或清算时,其清偿顺序列于次级债之后,先于股权资本。
2.  简要介绍
 
        商业银行发行混合资本债券应具备以下条件
  • 具有良好的公司治理机制;    
  • 符合《商业银行资本管理办法(试行)》规定的资本要求; 
  • 最近三年连续盈利;    
  • 贷款损失准备计提充足;    
  • 风险监管指标符合监管机构的有关规定;    
  • 最近三年没有重大违法、违规行为;    
  • 根据商业银行的申请,中国人民银行可以豁免前款所规定的个别条件。
         发行期限
  • 混合资本债券的期限一般在15年以上。发行之日起10年内不得赎回;10年后银行可以具有一次赎回权;
  • 当核心资本充足率低于4%时,银行可以延期支付利息;或者利润为负时候,银行可延期支付利息。
        相关法规
  • 《全国银行间债券市场金融债券发行管理办法》(中国人民银行令[2005]第1号);
  • 2006年9月5日,中国人民银行发布[2006]第11号公告,对商业银行发行混合资本债券做了补充规定。 



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