US banks receive Basel boost

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Big US banks should be able to meet tighter global capital requirements without having to raise substantial amounts of new equity, according to calculations by Barclays Capital.
根据巴克莱资本(Barclays Capital)的计算，美国大型银行应该不必大举发行新股，就能满足更为严格的全球资本要求。

The analysis by BarCap’s debt capital markets group estimates that the 35 largest US banks will have to come up with half as much new capital as had been expected following last month’s rewrite of proposed requirements by the Basel Committee on Banking Supervision.
巴克莱资本债务资本市场团队的分析显示，在巴塞尔银行监管委员会(Basel Committee on Banking Supervision)上月修订了拟议的资本规定后，美国35家最大银行必须要筹措的新资金将只有预期的一半。

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Analysts at Nomura calculated earlier this month that the top 16 European banks would also gain a sizeable, though slightly smaller, benefit. The numbers are likely to revive complaints that the reforms have been softened too much in the face of lobbying by banks.
野村证券(Nomura)的分析师本月早些时候曾估计，欧洲最大的16家银行也将获得可观的好处——尽管比美国银行略少一些。这些数字可能会让人重新开始抱怨，在各银行的游说下，巴塞尔银行监管委员会的改革力度减轻了太多。

The committee in July made significant changes to the definition of what banks could count toward highest-quality “tier one” equity capital and effectively trimmed the amount of liquid assets they would be required to keep on hand.
今年7月，巴塞尔银行监管委员会大幅修改了银行可将哪些股本归入最高质量的“一级”股本的定义，并明显削减了银行需要留在手中的流动性资产的规模。

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The banks had argued – and some regulators agreed – that a tougher package could impede the still-patchy economic recovery by crimping new lending.
各银行曾提出（一些监管机构也表示认同），更严格的规定可能会抑制新发贷款，从而遏制仍然参差不齐的经济复苏。

Two separate studies released yesterday by the Basel Committee and the Financial Stability Board, however, concluded that tightened capital and liquidity rules will have only a modest impact on world economic growth patterns if they are phased in over time, as planned.
然而，巴塞尔银行监管委员会及金融稳定委员会(Financial Stability Board)昨日发布的两项独立研究认为，如果按计划逐步推行更严格的资本和流动性规定，那么它们只会对全球经济增长格局产生轻微的影响。

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A one percentage point increase in bank tangible equity capital – capital that cannot be withdrawn in the event of a crisis – would lead to a 0.2 per cent average decline in global output, the studies found.
研究发现，如果银行有形股本（在危机爆发时无法撤出的资本）每增加1个百分点，全球产出将平均下滑0.2%。

Commentators see the July changes to the Basel proposals, commonly known as Basel III, as a big victory for lenders.
评论人士认为，7月份对巴塞尔协议（即众所周知的巴塞尔协议III）所做的修改，是银行取得的一项重大胜利。

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BarCap, for example, estimates that the 35 largest US bank holding companies will need to come up with $115bn (

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The difference comes from a series of compromises allowing banks to add tax credits, mortgage servicing agreements and other assets into their calculation of their tier one capital.
数字的差异源自于一系列妥协，让银行得以把税收减免、抵押贷款服务协议及其它资产纳入一级资本的计算。

Should regulators decide that banks need to meet a 6 per cent ratio rather than 8 per cent, the 35 US banks would need to raise just $8bn, BarCap said.
巴克莱资本表示，如果监管机构决定，银行一级资本与风险加权资产的比率只需达到6%，而非8%，那么美国35家银行仅需筹资80亿美元。