银行调拨备：含义与影响

中文

银行调拨备，即银行调整贷款损失准备金，是指银行在面对信贷风险时，为了覆盖可能发生的贷款损失而提前做出的资金准备。这种准备金的调整，既可以是基于经济环境和信贷风险的判断，也可以是基于监管要求的变化。

对于银行来说，调拨备是一项重要的风险管理措施。当银行预期信贷风险增加时，会相应提高拨备水平，以应对可能的贷款违约和损失。这样做有助于银行保持稳健的财务状况，避免因贷款损失而引发的资金流动问题。

然而，银行调拨备也会对经济产生一定的影响。当银行提高拨备水平时，意味着银行对经济的信心下降，信贷收紧，这可能会抑制企业的融资需求，进而对经济增长产生负面影响。反之，如果银行降低拨备水平，可能会增加信贷投放，刺激经济增长。

因此，银行在调整拨备时，需要综合考虑经济环境、信贷风险、监管要求等多方面因素，以确保风险管理和经济发展的平衡。

英文

Bank Provisioning Adjustment: Definition and Impact

Bank provisioning adjustment, or the adjustment of loan loss reserves by banks, refers to the advance preparation of funds made by banks to cover potential loan losses when facing credit risks. This adjustment of reserves can be based on the assessment of the economic environment and credit risks, as well as changes in regulatory requirements.

For banks, provisioning adjustment is an important risk management measure. When banks expect credit risks to increase, they will raise the level of provisions accordingly to cope with potential loan defaults and losses. This helps banks maintain a sound financial position and avoid liquidity issues caused by loan losses.

However, bank provisioning adjustment also has an impact on the economy. When banks raise the level of provisions, it indicates a decrease in confidence in the economy, leading to tighter credit conditions. This may suppress corporate financing demand and have a negative impact on economic growth. Conversely, if banks lower the level of provisions, it may increase credit supply and stimulate economic growth.

Therefore, when adjusting provisions, banks need to consider various factors such as the economic environment, credit risks, regulatory requirements, and more, to ensure a balance between risk management and economic development.