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一直在努力理解巴塞尔协议IV的具体内容，特别是它将如何影响抵押贷款风险的资本要求。修订后的产出底线以及住宅房地产风险权重的变化似乎都非常重要。对于规模较大、业务更多元化的机构来说，这可能只是一个调整，但对于那些抵押贷款业务占比较重的小型区域性银行，我怀疑这是否会严重限制它们发放新贷款的能力，甚至可能迫使它们进行投资组合重组。一旦这些规则全面实施，我们是否预期小型贷款机构的盈利能力或其在抵押贷款市场的竞争地位会受到显著影响？大家普遍认为它们将如何适应？
Completely agree. The standardized approach for credit risk, especially for unrated exposures, is going to be a huge factor for smaller banks without internal models. It could really squeeze their margins on mortgage lending.
It's always the smaller fish that get caught in the bigger net, isn't it? Seems like Basel IV is just another reminder that if you're not too big to fail, you're just big enough to be burdened with more compliance.
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