美联储负责监管的副主席米歇尔·鲍曼称，美国抵押贷款业务从银行转向非银行贷款机构是一个“令人担忧的趋势“。

　　鲍曼在奥兰多一个银行业会议上发表讲话时，将部分原因归咎于适用于抵押贷款服务权的限制性资本要求。

　　抵押贷款服务权（MSR）是银行资产负债表上的一项资产，代表了银行在贷款存续期内为抵押贷款提供服务所能预期获得的净费用。

　　鲍曼说，银行持有MSR面临很高的监管风险权重，这“可能会妨碍银行建立盈利的服务业务“。

　　她承认，这些规定是出于“合理的担忧“，但认为应考虑进行调整。

　　她说：“这些潜在的调整将解决对抵押贷款市场结构的合理担忧，同时保持适当的审慎保障措施。”

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