【环球财经】美国监管机构放松杠杆贷款监管

Core Viewpoint - The U.S. Treasury's Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation announced the withdrawal of the 2013 leveraged lending guidelines, indicating a relaxation of post-2008 financial crisis banking regulations [1][2]. Group 1: Regulatory Changes - The 2013 guidelines were deemed overly restrictive, hindering banks from applying general risk management principles to leveraged loans, thus allowing these loans to operate outside regulatory oversight [2]. - The Federal Reserve has not yet made a similar decision to withdraw the guidelines, indicating a potential divergence in regulatory approaches among U.S. banking authorities [1]. Group 2: Market Implications - Analysts believe that the relaxation of regulations will increase competition between banks and private credit institutions in the leveraged lending market [2]. - While there is a rationale for including leveraged loans under regulatory scrutiny, the inherent high risks associated with these loans should not be overlooked [2].