金融时报：台湾试图进一步实施银行合并
本帖最后由 isofeng 于 2009-1-1 13:30 编辑本文来自: 中国早报精英论坛 作者:Wordy_Camel
Taiwan to seek further bank mergers
台湾试图进一步实施银行合并
作者： Wordy_Camel
By Robin Kwong in Taipei
Published: December 28 2008 22:04 | Last updated: December 28 2008 22:04
Taiwan’s government will seek to use its influence in partially state-owned banks to push for banking sector consolidation, its newly appointed financial super-regulator said.
台湾政府将对公私合营的银行施放其影响力，促进银行部门的整合，该部门刚刚上任的金融主席如是说。
Sean Chen, chairman of the Financial Supervisory Commission, told the Financial Times that Taiwan still had too many banks in spite of attempts to reform the financial sector.
台湾金融监督管理委员会主席陈冲（Sean Chen）告诉《金融时报》，尽管金融部门致力于改革，台湾的银行仍然过多。
Former state banks in which the government has reduced its stake to below 50 per cent were the most likely candidates to lead a new wave of consolidation, Mr Chen said.
陈还说政府将原来国有银行的股份降低到50%以下，这些银行最有可能成为新一波整合运作的引领者。
Those banks will play a bigger role in any upcoming consolidation because they are still under “some government influence, which means they have the sense of social responsibility” to conduct mergers that would be “very healthy for the financial markets”, Mr Chen said.
这些银行将在即将到来的整合中扮演更为重要的角色，因为“它们仍处于政府的影响力之下”，即“它们担负着执行合并的社会责任感”，且这些合并“对金融市场是大有裨益的”，陈这样说到。
He did not specify any banks but the government holds minority stakes in only a handful of Taiwan’s 37 banks.
他并未具体指出任何一家银行的名字，只表明政府拥有的股权只在台湾的区区三十七家银行中占小部分。
These include Mega Bank, Taiwan’s second biggest by assets, and Chang Hwa Bank, a 103-year-old institution in which the government remains the second biggest shareholder, in spite of selling a 22.5 per cent stake to family-owned Taishin Financial in 2005.
这些银行包括有在台湾资产位列第二的兆丰银行，以及拥有103年历史的老字号彰化银行，尽管政府在2005年将22.5%的股权转让给了为家族所有的台新金融，却仍然是该银行的第二大股东。
While bank mergers would increase the sector’s stability, Mr Chen said, the government would not force any consolidation.
陈说，即便银行合并能够增强该部门的稳固性，政府也不会强制实施任何整合。
“If you see this boy is very handsome and that girl is very beautiful, but they don’t know each other, you can remind the boy that the girl is very attractive but you cannot push them together,” he said.
他又说：“比如你看见这个男孩子很帅，而那个女孩子很靓，但他们又不认识彼此，你可以提示男孩子那个女孩子很有魅力，可你不能硬把他俩凑到一块儿。”
Taiwan began a clean-up of the financial sector in 2001 when its first postwar recession caused non-performing loan ratios to peak above 12 per cent and exposed the weaknesses of having too many banks in too small a market.
台湾对金融部门的清算始于2001年，那时正值战后首次衰退期，导致坏账比率空前上升到超过12%，同时在过小的市场上开设过多银行的弊端也显现出来。
The problem of poor-quality loans has since been brought under control but a drive to consolidate the banking industry in 2005, initiated by former president Chen Shui-bian, stalled amid allegations of corruption.
自那时起，不良贷款的问题得到了控制，但同时也在2005年刮起了一股银行业整合的浪潮，掀起这股浪潮的是陷入腐败指控的前总统陈水扁。
HSBC, Standard Chartered and Citigroup have taken over small Taiwanese banks in the last two years.
汇丰，渣打和花旗银行在过去的两年中兼并了一些台湾本土的小银行。
However, Mr Chen said Taiwan had “exhausted” foreign institutions’ willingness to make further purchases. State banks, while large, were heavily regulated and “don’t enjoy any flexibility in consolidating other institutions”, he said.
然而，陈冲称台湾已经把国外机构进一步收购的念头给“消磨殆尽”了。他说：“国有银行虽大，但管制得极为严密，“未能充分施展与国外机构整合的弹性”。
Taiwan’s banks had only limited direct exposure to the US financial crisis but Mr Chen said the global economic downturn meant they were suffering similar problems to their western peers.
台湾的银行此前仅仅只是直接受到美国金融危机的牵连，但是陈认为全球经济衰退意味着这些银行还将为其在西方的同行们所累。
Taiwan is widely expected to fall into recession by the end of this year.
现在普遍认为台湾在本年年末已经陷入衰退。
Both exports and orders in the last month have fallen by a quarter from a year ago, prompting analysts to expect future problems for local banks.
出口量和订单数较至于去年同期都下降了四分之一，这点促使分析家们思索着本土银行在未来将遭遇的问题。
Signs of this are emerging. The average non-performing loan ratio rose from 1.54 per cent in October to 1.6 per cent at the end of last month, while coverage of outstanding loans by provisions fell from 66.12 per cent in October to 63.6 per cent.
此类征兆一直在浮现。上个月月末，不良贷款平均比率由十月份的1.54%升至1.6%，与此同时，未尝贷款的覆盖率从十月份的66.12下滑至63.6%。
文章来源：Financial Time
原来的帖子有人说没有弄明白。写的仓促，这里先换一下，另外一篇再写明白点于发。对不住了。 没说出来什么啊，这个也能发表？ "他们拥有很多美元，他们应该明白我们是在同一条船上，如果我们的经济有问题，他们也逃不了受影响。"
这就是他想说的。站在美国的，经济的角度没错。但仅仅这样认识
问题，问题远远无法解决。
一个具有威胁意味的观点是没有建设性的。
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