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瀘州銀行(01983.HK)擬核銷1.36億元不良貸款 已計提減值準備5935.87萬元
格隆匯 11-07 22:54

格隆匯11月7日丨瀘州銀行(01983.HK)宣佈,於2019年11月7日舉行的董事會會議上,其已議決(其中包括)就以下事項尋求該行股東審議及批准。

於2012年至2018年間,該行在經營中產生了七筆以抵押或保證方式作擔保的貸款,該等貸款的貸款人及/或擔保人分別於2015年9月至2019年4月間開始停止履行還款義務,並於其後形成不良貸款。為減少低效資產對資本的佔用,加大對低效不良資產的清理力度,優化資產結構,有效盤活信貸存量,並推動該行穩定持續發展,董事會同意按照中國銀行保險監督管理委員會《關於銀行業風險防控工作的指導意見》及中華人民共和國財政部《金融企業呆賬核銷管理辦法》規定,對該七筆本金合共人民幣1.36億元的不良貸款進行核銷。

根據該行內部授權方案,董事會有權決定處理金額人民幣1000萬元以內的各種財務損失(包括貸款損失核銷),由於該七筆建議進行核銷的不良貸款中,有三筆單户貸款核銷本金超過內部授權範圍內的人民幣1,000萬元,故該行董事會亦建議將於臨時股東大會上提呈股東審議及批准核銷該三筆單户貸款核銷本金超過人民幣1,000萬元的不良貸款。

根據該行資產減值準備政策,該行已對上述七筆不良貸款計提減值準備約人民幣5935.87萬元,核銷上述七筆不良貸款本金預計將需進一步作計提減值準備約人民幣7621.13萬元。該七筆不良貸款核銷後,該行仍將繼續按照"賬銷案存"的原則清收,截至公告日期,該行已對該七筆不良貸款提出包括向有關法院申請強制執行處置相關抵押品等清收程序。 

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