英国各银行资本金缺口可能高达500亿英镑

British banks will have to raise between ￡20bn-￡50bn of new capital or dramatically restructure their businesses after the Bank of England made it clear it did not trust the way they value their books.

英国各银行将需要募集200亿至500亿英镑的新资本，或者大幅重组其业务。此前英国央行(BoE)明确表示，不信任这些银行对账目的估值方式。

The BoE’s new Financial Policy Committee yesterday said banks must report capital ratios which reflect a “proper valuation of their assets and a “realistic assessment of the cost of recent scandals, such as the manipulation of Libor and mis-selling of insurance products.

英国央行新成立的金融政策委员会(Financial Policy Committee)昨日表示，银行报告的资本比率，必须反映对其资产的“恰当估值，并对近期丑闻的成本作出“现实的评估，这些丑闻包括操纵伦敦银行间同业拆借利率(Libor)，以及不当销售保险产品。

The demand comes shortly after the International Monetary Fund called on European lenders to shore up balance sheets and adds to growing concerns that risk-weighted capital ratios are exaggerating the health of the global banking system.

英国央行提出这一要求之前，国际货币基金组织(IMF)呼吁欧洲各银行加强资产负债表，并表达这样一种担忧：风险加权的资本比率可能粉饰了全球银行体系的健康程度，目前有越来越多的人表示担忧这个问题。

Sir Mervyn King, BoE governor, declined to quantify the level of capital needed to rectify the situation, saying only that it was “material. But the central bank’s financial stability report published estimates of each of its concerns that suggested banks would have to raise between ￡20bn and ￡50bn in aggregate.

英国央行行长默文·金爵士(Sir Mervyn King)不愿量化纠正局面所需的资本金水平，只表示所需的资本金是“具有实质性的。但英国央行的金融稳定报告发表了针对其每一项关切的估计，似乎表明各银行在整体上需要募集200亿至500亿英镑。

The BoE has instructed banking supervisors to begin working on the tougher approach immediately and banks could be expected to identify how they will meet any capital shortfall early next year.

英国央行已指示银行业监督人员立即开始采取更严格的方式，各银行可能需要在明年初说明自己将如何填补资本金缺口。

BoE officials said that while the capital requirements differed from bank to bank, some lenders would need to raise capital or restructure their businesses. “It is important to keep this judgment in perspective, Sir Mervyn said. “The problem is manageable and is already understood at least in part by markets. But it does warrant immediate action.

英国央行官员们表示，各银行的资本金需求各有不同，其中一些银行肯定需要募集资本金或重组业务。“有必要全面看待这个判断，默文·金表示。“这个问题是可控的，市场也至少在一定程度上对此有所了解。但它确实要求立即采取行动。