与“两小”客户共创新 招行发行首单零售小微贷款ABS
12月3日,两小“和惠2018年第一期微小企业贷款资产支持证券”在银行间债券市场成功发行。客户款本期项目是共创交易商协会2018版信息披露指引下国内首单零售小微贷款ABS项目,是新招行发行首招行支持“两小”业务,与民营企业共成长、单零共创新、微贷共发展的两小又一力作,也是客户款招行盘活存量小微贷款,打通小微企业融资金融服务渠道,共创助力普惠金融发展的新招行发行首重要创新举措。 “和惠”2018-1项目的单零基础资产为招行发放的优质零售小微贷款,发行规模10.51亿元,微贷其中,两小优先A档8.45亿元,客户款加权平均期限1.75年,共创信用评级AAA,发行利率3.95%;优先B档0.45亿元,加权平均期限4.88年,信用评级AA+,发行利率4.78%;次级档1.61亿元,加权平均期限5.82年,无评级。 今年以来,党中央、国务院和国家相关部委陆续出台多项政策,引导金融机构加大对小微企业的支持力度。为积极响应各级监管机构进一步深化小微企业金融服务的号召,贯彻五部委关于增加小微企业信贷投放的意见,在人行和银保监会的大力支持下,招行将金融创新产品与普惠金融紧密结合,在小微贷款ABS方面开拓创新。本期项目成功发行后,招行资产支持证券发行实现了人行注册制下零售基础资产全覆盖,“和”资产证券化品牌家族(“和享”、“和信”、“和家”、“和萃”)又添一重要成员“和惠”。
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