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メキシコ商業銀行の「貸倒引当率」

貸倒引当率は、一般には「一つの債権分類」について、
「引当金」を「債権総額」で割ったものと算出されます。
ですので、全国銀行の破綻懸念先債権について
貸倒引当率が33.6%である、という風に計算します。
確認でした。

これに対して、CNBVの計算は、
全ての融資債権を
cartera vigente (performing loan)と
cartera vencida(期日経過債権)に分け、
全ての融資債権に対して引き当てた引当金額
を上記の期日経過債権で割った数字を記録しています。

ですので、通常、日本で理解される貸倒引当率とは
異なった計算をしているわけです。

つまり、この計算結果を「貸倒引当比率」と表示したことが
困惑の原因になったと考えられます。スペイン語の原文を直訳すると、
「期日経過債権への貸倒引当金によるカバー比率」になりますので、
こちらのほうが冗長ですが、より良い説明になるでしょう。

一応、数値確認のために
エクセル・ファイルを付けておきました。「Mex_bank.xls」をダウンロード 。
こちらには通常の貸倒引当率の試算もしておきました。

|

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