<p>汇丰控股因一家 “影子银行” 的倒闭遭受了 4 亿美元（2.95 亿英镑）的损失，该银行中心涉及一起涉嫌欺诈的事件。</p>
<p>欧洲最大的银行表示，由于对一家未透露名称的公司的 “与欺诈相关” 的风险，它已计提了这一费用。据《金融时报》了解，该公司被认为是抵押贷款机构 Market Financial Solutions（MFS）。</p>
<p>总部位于梅费尔的 MFS 于 2 月份因法官称之为 “非常严重” 的欺诈指控而进入管理程序。该公司被指控将资产双重抵押以支持贷款，造成其资产负债表上出现数十亿英镑的缺口。</p>
<p>汇丰表示，其对该公司的风险是 “次要的”，通过一个金融赞助商进行，这意味着它并未直接与 MFS 交易，而是通过另一家向其贷款的公司进行。</p>
<p>MFS 向可能不符合传统银行融资条件的借款人提供短期、以房地产为担保的贷款。它在快速增长的私人信贷市场中运作，该市场被称为 “影子银行”。</p>
<p>在私人信贷行业，贷款来源不是银行，而是对冲基金和金融家等来源。该行业的监管程度低于主流银行，透明度也较差。</p>
<p>汇丰还透露，在今年前三个月已预留了 13 亿美元以覆盖信用损失，其中包括 3 亿美元用于应对因伊朗战争引发的经济衰退。该银行第一季度的利润下降了 1.1%，降至 94 亿美元。</p>
<p>股价下跌了多达 5.6%，成为富时 100 指数中表现最差的股票。</p>
<p>汇丰的承认将加剧人们对全球贷款机构在私人信贷方面风险暴露的担忧。巴克莱上周在其业绩中披露了 2.28 亿英镑的减值，这也被认为与 MFS 有关。</p>
<p>汇丰首席财务官 Pam Kaur 坚称，该问题是 “特例”，并表示汇丰 “相当确信这是一宗一次性欺诈”。</p>
<p>然而，她补充说，银行将继续 “审查我们的风险偏好，收紧尽职调查等”。</p>
<p>在与分析师的电话会议上，她表示：“我们已经回顾了我们投资组合中所有最高风险的风险敞口，并特别查看了幻灯片中提到的私人信贷风险敞口，我们在此事中没有看到可比的欺诈风险。”</p>
<p>汇丰预测，由于包括油价上涨、通货膨胀上升、国内生产总值大幅放缓、失业率上升和市场动荡等一系列问题，将对税前利润产生 “中到高个位数百分比的不利影响”。</p>
<p>然而，该银行表示，它 “在管理我们所处的全球环境中普遍存在的变化和不确定性方面处于良好位置，包括与中东冲突相关的情况。”</p>

汇丰控股有限公司

汇丰控股

汇丰

HSBH

<p>汇丰因与欺诈指控相关的影子银行倒闭而遭受了 2.95 亿英镑的损失。该银行的风险敞口是通过一家金融赞助商，而不是直接与抵押贷款机构 Market Financial Solutions (MFS) 相关，该机构因严重的欺诈指控而倒闭。汇丰为信贷损失预留了 13 亿美元，并报告利润下降 1.1%，降至 94 亿美元。股价下跌 5.6%，引发了人们对全球贷款机构在私人信贷方面风险敞口的担忧。汇丰的首席财务官表示，这一问题是独特的，银行正在审查其风险管理策略</p>

<p>HSBC has taken a $400m (£295m) hit from the collapse of a “shadow bank” at the centre of an alleged fraud.</p>
<div class="lb-trans"><p>汇丰控股因一家 “影子银行” 的倒闭遭受了 4 亿美元（2.95 亿英镑）的损失，该银行中心涉及一起涉嫌欺诈的事件。</p>
</div><p>Europe’s biggest bank said it had taken the charge as a result of a “fraud-related” exposure to an unnamed company. It is understood to be mortgage lender Market Financial Solutions (MFS), according to the Financial Times.</p>
<div class="lb-trans"><p>欧洲最大的银行表示，由于对一家未透露名称的公司的 “与欺诈相关” 的风险，它已计提了这一费用。据《金融时报》了解，该公司被认为是抵押贷款机构 Market Financial Solutions（MFS）。</p>
</div><p>Mayfair-based MFS collapsed into administration in February amid what a judge called “very serious” allegations of fraud. The company has been accused of double-pledging assets to back loans, creating a multibillion-pound hole on its balance sheet.</p>
<div class="lb-trans"><p>总部位于梅费尔的 MFS 于 2 月份因法官称之为 “非常严重” 的欺诈指控而进入管理程序。该公司被指控将资产双重抵押以支持贷款，造成其资产负债表上出现数十亿英镑的缺口。</p>
</div><p>HSBC said its exposure to the company was “secondary” and through a financial sponsor, meaning it did not deal directly with MFS but through another company that lent to it.</p>
<div class="lb-trans"><p>汇丰表示，其对该公司的风险是 “次要的”，通过一个金融赞助商进行，这意味着它并未直接与 MFS 交易，而是通过另一家向其贷款的公司进行。</p>
</div><p>MFS provided short-term, property-backed loans to borrowers that may not have qualified for traditional bank financing. It operated in the fast-growing private credit market, known as “shadow banking”.</p>
<div class="lb-trans"><p>MFS 向可能不符合传统银行融资条件的借款人提供短期、以房地产为担保的贷款。它在快速增长的私人信贷市场中运作，该市场被称为 “影子银行”。</p>
</div><p>In the private credit industry, loans come not from banks but from sources such as hedge funds and financiers. The sector is less well regulated and less transparent than mainstream banking.</p>
<div class="lb-trans"><p>在私人信贷行业，贷款来源不是银行，而是对冲基金和金融家等来源。该行业的监管程度低于主流银行，透明度也较差。</p>
</div><p>HSBC also revealed it had set aside $1.3bn in the first three months of the year to cover credit losses, including $300m to cover an economic downturn caused by the Iran war. Profits at the bank fell by 1.1pc to $9.4bn during the first quarter.</p>
<div class="lb-trans"><p>汇丰还透露，在今年前三个月已预留了 13 亿美元以覆盖信用损失，其中包括 3 亿美元用于应对因伊朗战争引发的经济衰退。该银行第一季度的利润下降了 1.1%，降至 94 亿美元。</p>
</div><p>Shares fell by as much as 5.6pc, making it the worst performer on the FTSE 100.</p>
<div class="lb-trans"><p>股价下跌了多达 5.6%，成为富时 100 指数中表现最差的股票。</p>
</div><p>HSBC’s admission will stoke fears about the exposure of global lenders to private credit. Barclays revealed a £228m impairment in its results last week, which was also understood to have been linked to MFS.</p>
<div class="lb-trans"><p>汇丰的承认将加剧人们对全球贷款机构在私人信贷方面风险暴露的担忧。巴克莱上周在其业绩中披露了 2.28 亿英镑的减值，这也被认为与 MFS 有关。</p>
</div><p>Pam Kaur, chief financial officer at HSBC, insisted that the issue was “idiosyncratic” and said HSBC was “quite comfortable that this is a one-off fraud”.</p>
<div class="lb-trans"><p>汇丰首席财务官 Pam Kaur 坚称，该问题是 “特例”，并表示汇丰 “相当确信这是一宗一次性欺诈”。</p>
</div><p>However, she added that the bank continued to “review our risk appetite, tighten due diligence and so on”.</p>
<div class="lb-trans"><p>然而，她补充说，银行将继续 “审查我们的风险偏好，收紧尽职调查等”。</p>
</div><p>Speaking on a call with analysts, she said: “We have gone back and reviewed all our highest risk exposures across our portfolio and specifically looked at the private credit exposures as called out in the slide, and we see no comparable fraud risks in this matter.”</p>
<div class="lb-trans"><p>在与分析师的电话会议上，她表示：“我们已经回顾了我们投资组合中所有最高风险的风险敞口，并特别查看了幻灯片中提到的私人信贷风险敞口，我们在此事中没有看到可比的欺诈风险。”</p>
</div><p>HSBC forecast “a mid-to-high single-digit percentage adverse impact on profit before tax” from a range of issues including higher oil prices, rising inflation, a material slowdown in gross domestic product, rising unemployment and market disruption.</p>
<div class="lb-trans"><p>汇丰预测，由于包括油价上涨、通货膨胀上升、国内生产总值大幅放缓、失业率上升和市场动荡等一系列问题，将对税前利润产生 “中到高个位数百分比的不利影响”。</p>
</div><p>However, the bank said it was “well positioned to manage the changes and uncertainties prevalent within the global environment in which we operate, including in relation to the conflict in the Middle East”.</p>
<div class="lb-trans"><p>然而，该银行表示，它 “在管理我们所处的全球环境中普遍存在的变化和不确定性方面处于良好位置，包括与中东冲突相关的情况。”</p>
</div>

HSBC suffers £295m hit from ‘shadow bank’ collapse

- 汇丰银行因此次 “影子银行” 崩溃遭受 4 亿美元损失。  
- MFS 因 fraude 指控于二月破产，借款人多为无资格者。  
- 汇丰预计多种因素将对税前利润造成负面影响。

汇丰因 ‘影子银行’ 的倒闭遭受了 2.95 亿英镑的损失