据中国银保监会网站于5月14日披露，辽宁银保监局公开沈阳于洪永安村镇银行的行政处罚信息。
信息显示，沈阳于洪永安村镇银行股份有限公司以贷还贷，以贷还息、贷款资金用于归还银承垫款或支付银承垫款利息；贷款资金用作银行承兑汇票保证金；违规向域外企业发放贷款及签发银行承兑汇票，违反《中华人民共和国银行业监督管理法》第四十六条，被辽宁银保监局处以罚款人民币60万元。
另外，该银行的7名高管人员均受到处罚。
李传伟、张毅、谭广新、杨焰、李宝齐、陈玉璞、姜丰这7名高管对沈阳于洪永安村镇银行股份有限公司以贷还贷，以贷还息、贷款资金用于归还银承垫款或支付银承垫款利息，贷款资金用作银行承兑汇票保证金，违规向域外企业发放贷款及签发银行承兑汇票违法行为负直接责任，均受到不同程度的处罚。
其中，李传伟、李宝齐两人被取消高级管理人员任职资格五年；张毅、杨焰、陈玉璞、姜丰四人被取消高级管理人员任职资格两年；谭广新被警告及罚款五万元人民币。
U.S. banks may have looked strong before the coronavirus pandemic, but they face more strain if weak economic conditions persist, the Federal Reserve warned Friday in its semiannual review of the financial system.
Bank stocks have sold off aggressively in recent months as investors worried about how banks would fare with much of the economy shut down. Banks increased their loan loss reserves in the first quarter, expecting that closed businesses will cause a flood of business and household loan delinquencies and defaults….
Warren Buffett’s Berkshire Hathaway slashed its Goldman Sachs stake by 84% last quarter. Warren Buffett’s Berkshire Hathaway slashed its stake in Goldman Sachs and exited its positions in Philips 66 and Travelers in the first quarter, a financial filing on Friday showed
Pandemi virus corona (Covid-19) yang memaksa pemerintah memberlakukan pembatasan sosial berskala besar (PSBB) dan sejumlah perusahaan menerapkan kebijakan work from home (WFH) bagi karyawan praktis bikin transaksi digital perbankan tumbuh pesat.
Transaksi layanan mobile banking dan internet bank meningkat tajam. Mobile banking BRI misalnya naik 28% di bulan Maret dibanding bulan sebelumnya. Secara total transaksi mobile dan internet banking-nya meningkat 61 % jadi 32 juta kali di bulan tersebut dibanding Januari dengan volume lebih dari Rp 20 triliun.
Bank Mandiri pun juga demikian. Rata-rata transaksi aplikasi mobile banking (Mandiri Online) meningkat menjadi 2 juta transaksi per hari di bulan Maret 2020. Padahal di periode yang sama tahun sebelumnya, rata-rata hariannya baru 1,2 juta transaksi. Nilai transaksinya di bulan Maret Rp 3 triliun, dibanding 1,8 triliun Maret tahun lalu.
Namun, nasabah harus waspada. Kenaikan transaksi digital ini juga setali tiga uang dengan percobaan kejahatan cyber. Donsuwan Simatupang, Direktur Kelembagaan Bank Mandiri menyebut, percobaan pembobolan rekening nasabah lewat pengalihan kode one time password (OTP) naik pesat selama pandemi ini.
Jadi, kehati-hatian mesti ditingkatkan lagi. Jangan pernah memberikan password atau kode OTP transaksi di rekening bank anda. “Termasuk kepada petugas bank, tidak boleh diberi tahu” ujar Donsuwan.
Guna mencegah upaya-upaya jahat yang merugikan nasabah, bank saat semakin memperkuat sistem IT. Bank Mandiri telah memproteksi sistemnya. Dari sisi transaksi, seluruh retail channel bank mulai dari Mandiri Online, transaksi kartu kredit dan debit serta e-commerce telah memiliki tools monitoring yang dapat mendeteksi kejanggalan transaksi nasabah.
Sistem itu, kata Rully Setiawan, Sekretaris Perusahaan Bank Mandiri, juga dapat melakukan menolak transaksi yang dianggap beresiko tinggi. Di samping itu, bank konsisten melakukan edukasi kepada nasabah. Guna memperkuat kehandalan sistem IT, Bank Mandiri sudah anggarkan dana sekitar Rp 2,3 triliun tahun ini.
Menurut Indra Utoyo, Direktur Direktur TI & Operasi BRI, percobaan social engineering dengan tujuan memperoleh kode OTP sudah ada sejak lama, terutama sejak semakin banyaknya aplikasi mobile dan internet banking bermunculan dan semakin menjamurnya situs e-commerce.
Maka kunci untuk mencegah pembobolan itu adalah pada kehati-hatian nasabah untuk tidak membagikan kode PIN atau OTP kepada siapapun. Jika semua nasabah teredukasi mengenai modus dan risikonya, percobaan ini tidak akan bisa tercapai tujuannya.
Jadi, fokus BRI di tengah kenaikan transaksi digital adalah mengedukasi nasabah. Di samping itu, peningkatan reliabilitas dan keamanan IT juga dilakukan. Capex-nya sudah disusun berdasarkan proyeksi jangka panjang dan menyeluruh
Sementara BTN berupaya memastikan aspek keamanan melalui security operationa center. Itu dipantau secara harian. Sama seperti BRI dan Bank Mandiri, bank ini juga fokus melakukan edukasi kepada nasabah.
Andi Nirwanto, Direktur Operation, IT & Digital Banking BTN menyebut anggaran IT yang disiapkan perseroan tahun ini sebesar Rp 500 miliar.
受新型冠状病毒疫情扩大的影响，资金持续从新兴市场国家流出。在此背景下，货币持续贬值的国家对加密资产（虚拟货币）比特币的需求不断高涨。在阿根廷和黎巴嫩等因资本管制而难以获得外汇的国家，作为替代美元的资金“避风港”，比特币不断被买入。虽然不像2017年底的泡沫时那样火爆，但在本国货币不稳定的地区，比特币作为资产正在稳步浸透。
5月12日是被称为“减半期”的4年一度的节点，每当迎来此时作为挖矿报酬而获得的比特币数量将减为一半。阿根廷当地经济报纸《金融界报》(Ambito Financiero)11日报道称，这是“历史性的日子，有必要加以关注”。该报介绍称，比特币可小额购买，同时在该国，将比特币与美元并列视为资产的人正在增加。这反映出了目前比特币需求的增加。
在处于债务违约紧要关头的阿根廷，购买外汇受到限制。在黑市的比索价格比年初下跌约4成的背景下，作为资产的避险渠道，比特币正受到欢迎。虽然难以确认准确的交易量，但比特币信息网站Coin Dance统计显示，在截至5月9日的一周时间里，不经过兑换平台的比特币交易额（按比索计算）增至上年同期的5.3倍，创出了历史新高。
此外，3月发生债务违约的中东国家黎巴嫩也在发生资金涌向比特币的避险。当地媒体4月报道称，在该国的交易所，比特币以接近国际行情2倍的价格被买入。在银行限制提取存款、本国货币的信用等级下降的背景下，即使价格偏高也希望买入比特币的投资者需求涌现。
加密货币市场数据平台Coin Dance的数据显示，从目前比特币的交易额出现激增的地区来看，巴西和智利等中南美、埃及和南非等非洲国家较为突出。新冠疫情在发达国家逐渐度过高峰，另一方面，在疫情持续扩大的新兴市场国家，正在招致资金外流。显示新兴市场国家货币整体价格波动的MSCI新兴市场国家货币指数比年初下降6％，由于“减半期”或带来价格上升这一预期，资金涌向了比特币。
巴西的大型虚拟货币兑换平台Bitcointoyou的首席执行官（CEO）安德里·奥尔塔接受日本经济新闻（中文版：日经中文网）的采访时表示，“在货币雷亚尔的价值下降的背景下，比特币的交易出现激增”。截至4月，客户数增至上年的1.5倍，交易额增至3倍。
当然，新兴市场国家的需求激增给比特币行情带来的影响目前仍然有限。据新加坡的虚拟货币分析网站Crystal Blockchain的数据，2019年巴西的比特币交易额合计为6亿3230万美元，仅为美国的28分之1左右。多数观点认为，新兴市场国家的绝对资本量较少，缺乏明显推动行情的实力。
不过，从长远来看，来自新兴市场国家的资金流向有可能发生改变。安德里·奥尔塔表示，“投资者为了保护资产正在改变投资对象”，将关注来自此前属于新兴市场国家主要资金避风港的美元和黄金的动向。
State-owned lender Bank Rakyat Indonesia (BRI), in cooperation with ride-hailing service provider Grab, has launched a low-interest loan facility for the latter’s drivers and merchant partners who have been impacted by the COVID-19 pandemic.
Under the program, Grab’s drivers are eligible for a low-interest loan worth up to Rp 5 million (US$336) with a 24-month tenure. BRI is also giving leeway to the drivers by freeing them from payment obligations for the first three months.
Besides drivers, merchants who operate through the GrabFood and GrabKios services, especially those with no access to bank loans, will be eligible for a microcredit program (KUR) worth up to Rp 50 million. The interest rate stands at 6 percent for a maximum 36-month tenure.
“We welcome BRI’s support in providing soft loans. We hope that this program can ease the burden on our partners,” Grab Indonesia’s managing director Neneng Goenandi said in a press statement on Thursday.
Drivers who open accounts in the bank will also get insurance for accidents to the amount of 250 percent of their current account or a maximum coverage of Rp 150 million.
For the first phase of the program, a quota of 1,000 Grab driver partners in Greater Jakarta will be able to access the soft-loan facility.
The partners, however, will still have to meet the minimum requirements for their average earnings and the length of partnership with Grab to access the loans.
BRI launched a similar program with the Jakarta-based ride-hailing service provider Gojek earlier this week.
The number of active Gojek and Grab users declined 17 percent throughout March as a result of the government’s large-scale social distancing restrictions (PSBB), according to a Statqo Analytics report, leading to a reduction in drivers’ income.
Meanwhile, the country’s small and medium enterprises (MSME) saw a 30 to 35 percent sales decline in February and March, according to Indonesian MSME Association chairman Ikhsan Ingratubun.
BRI consumer director Handayani said the company was committed to helping MSME and informal workers who were hit hard by the health crisis.
“The low-interest loan program is part of our commitment to supporting the livelihoods of drivers and merchants,” she said.
Bank Islam Malaysia Bhd has launched iTEKAD micro-financing programme for micro-entrepreneurs and those affected by the loss of income due to Covid-19.
Bank Islam said the programme offers seed capital with an affordable micro-financing arrangement for eligible applicants to start and grow their business to generate sustainable income.
In addition to the funding of working capital, iTEKAD will use the zakat fund for the purchase of tools and equipment required for eligible recipients.
“iTEKAD also involves collaborations with selected implementation partners such as State Islamic Religious Councils, agencies and non-government organisations.
“As the pioneering participating Islamic financial institution, Bank Islam will be working together with Majlis Agama Islam Wilayah Persekutuan (MAIWP) and SME Corp Malaysia in the first phase of the programme,” it said today.
Through the collaboration, Bank Islam said, recipients would receive structured entrepreneurship and financial management training.
This is to ensure they receive a more holistic understanding, skills and knowledge in managing their business efficiently and sustainably.
Minister in the Prime Minister’s Department (Religious Affairs) Datuk Seri Dr Zulkifli Mohamad al-Bakri said iTEKAD was an avenue to assist the B40 micro-entrepreneurs and asnaf who are greatly affected by the Covid-19 pandemic.
Bank Islam chief executive officer Mohd Muazzam Mohamed said iTEKAD wad parallel to its values in enhancing the wellbeing of the people through the preservation of wealth, lives, prosperity and intellect.
Mohd Muazzam said it was also in line with the Value-Based Intermediation philosophy, thus further fortifying banks’ commitment in supporting small businesses.
“Bank Islam is allocating RM5 million from Bank Negara Mslaysia’s Micro-Enterprise Facility Fund for this microfinancing programme.
“Eligible applicants that adhere to the asnaf criteria guided by Shariah rules and principles will benefit from a provision of RM300,000 Zakat fund of Bank Islam,” he said.
He said the first phase of the programme was expected to benefit 100 recipients by the end of the year.
The bank has received 14 number of applications, mainly from micro-entrepreneurs in food and beverages, manufacturing and services sectors In Wilayah Persekutuan.
“The selected participants will be undergoing training under SME Corp beginning July,” he added.
Investors in US business mortgage-backed safety and securities are supporting themselves for losses as the coronavirus pandemic pressures proprietors of shopping centers, resorts, workplace towers and also various other homes to avoid repayments.
More than $45 bn of mortgage packed right into US CMBS are past due and also were in supposed moratorium in April, S&P Global stated onTuesday
Analysts with S&P, the nation’s biggest credit scores ranking firm, projection that 10 percent of home loans in US CMBS bargains might fall under misbehavior in May if those in their moratorium remain to go unsettled. In April that share was much less than 2 percent.
“The measures adopted to contain Covid-19 have pushed the global economy into recession and could cause a surge of defaults,” stated Ambika Garg and also Tamara Hoffman, experts at S&P.
Details on financing repayments that have actually fallen back, consisting of those that are much less than one month unpaid, are currently being carefully complied with by investors aiming to comprehend the damages brought upon by the closures and also sanctuary-in- area orders that have actually been enforced as US authorities tried to reduce the spread of the infection.
The moratorium cover home loans that are much less than 30 days late in addition to repayments that have actually not yet been accumulated by the time the home loan servicer releases its month-to-month record to investors.
Since March, resort reservations have actually broken down while dining establishments and also sellers in rural shopping center and also shopping center have actually shut their doors. Only in current days have actually some firms started to resume on a minimized basis. Many services have actually transferred to preserve money and also have actually rejected to pay rental fee.
“We have seen a significant ramp-up in loans not only in special servicing but in a grace period over a short period of time,” stated Sagar Parikh, a securitised items investor at possession supervisor TCW. “It’s our expectancy that the numbers will certainly grab [in] May based upon what we saw from. the forbearance demands.”
S&P stated on Tuesday that 91 finances worth $2bn were recently overdue, with past-due home loans on resorts accounting for virtually fifty percent of the number. The ranking firm approximated those finances raised the general delinquencies in CMBS deals to $9.8 bn.
Lower- ranked tranches of CMBS have actually rolled in worth. The safety and securities, which are cut to offer investors differing levels of direct exposure to the prospective default on the hidden home loans, have actually sunk because late February when worries bordering coronavirus initially struck US monetary markets.
A record dispersed on Tuesday to investors in a CMBS structured by Citigroup in 2012 emphasized the quick spread ofdelinquencies Figures revealed that 6 of the 46 finances underpinning the offer lagged settlement in very early May, up from 3 in the previous month.
为应对新冠疫情，美国政府将面临3万亿美元的债务。政府可能还要支持大约3,000万或更多的新失业人群、数万家濒临破产的企业、以及疫情可能拖延的局面。
面临停止向经济提供生命线还是进一步加重债务负担的选择，美联储主席鲍威尔周三向美国官员发出了并不隐晦的信号：在这场危机中，需要花多少就花多少。
Evercore ISI副董事长、前纽约联储官员Krishna Guha称，在抗疫战斗仍未完成，经济复苏低迷的预期升温之际，“美联储担心两党围绕财政支出的争斗不断。”
美联储能够在必要时买入大量因政府支出而产生的新债，鲍威尔“并没有说‘照单全收…’但表示在当前环境下美联储将作为你们的后盾…不是因为美联储在向政府官员屈服。而是需要这样做。”
这是一个前所未有的时刻。政府为了遏制新冠病毒的蔓延而限制人员流动和商业活动，国会在危机初期拨出约3万亿美元用于扩大失业救济、向小企业发放贷款、帮助地方政府，并采取其他措施帮助企业和家庭渡过难关。
但释放资金的核心立法在3月底才获得通过，其中一些项目即将到期。Guha指出，这构成了一系列“微型财政悬崖”，未来几周可能会出现一些项目开始缩减的情况。
国会已开始讨论进一步的财政措施，众议院民主党人暗示将再拿出3万亿美元来应对危机，但共和党人在向地方政府提供多少援助等问题上持反对态度。白宫表示，随着更多的州重新开放更多商业和社会活动，希望先观望一下事态如何发展。
但经济仍处于不确定状态，经济走势取决于新冠危机的走向。新冠疫情已导致美国逾82,000人死亡，而且没有明确迹象显示，每日新增感染和死亡病例已见顶。
周四将公布的数据料将显示上周初请失业金人数再增加上百万，美国自3月底以来请领失业救济的人数已超过3,000万人。疫情导致的失业或许正在接近见顶，但经济学家目前预计，至少到2020年底，失业都将维持在高位。
最近，一系列美联储官员纷纷发表讲话，让市场打消联储可能将利率推入负值区域的想法，鲍威尔是最新的一位。此前，与美联储利率政策预期相关的期货市场近期消化了美国利率小概率可能在明年降至零以下。
“委员会对负利率的看法真的没有改变。这不是我们正在考虑的事情”，鲍威尔在彼得森国际经济研究所主办的一个活动上回答记者提问时表示。
自2007-2009年金融危机以来，包括日本央行和欧洲央行在内的许多主要央行都实施了负利率政策，因为其低迷的经济未能产生理想的通胀水平。
上周，联邦基金利率期货有史以来第一次开始消化美国实施负利率政策的微弱机率。
负利率政策的有效性仍是全球央行界争论的主题。这个想法至少有一个高调粉丝－美国总统特朗普，他本周再次发推文支持负利率。
特朗普周三晚些时候表示，我喜欢负利率，我强烈感觉我们应该实施负利率。
在负利率问题上，我不同意美联储主席鲍威尔的看法，特朗普称。
鲍威尔只是最新的一个否定负利率政策想法的货币政策制定者。在12位美联储地区银行总裁中，至少有六位已经否定了这一想法。鲍威尔在周三的活动上指出，决策者们对这一想法的漠视是少有的一致。