中行(03988.HK):中小企业受疫情冲击较大 料首季及上半年逾期贷款有所上升
中国银行(03988.HK)副行长林景臻在电话会议上表示,虽然今年外部经营环境出现新情况,但对该行1至2月份的贷款投放影响不大。截至2月底,该行的公司贷款按年增加介乎323亿至918亿元人民币。随着各地陆续复工复产,信贷需求逐步恢复,预计疫情对首季的信贷投放影响有限,今年的公司贷款将会保持合理的增速,较去年适当地增加,并将着力优化结构,加大对优质新兴企业的支持,提升中长期贷款的占比。
风险总监刘坚东指出,今年由於出现疫情,加上全球金融市场波动等不确定因素,短期餐饮住宿、旅游娱乐及批发零售等消费与服务行业首当其冲,而制造业及房地产业亦因为交通封锁而受到较大影响,尤其是中小企业受到的冲击较大。他预期,这情况会对该行首季度的资产质量有冲击,料逾期贷款在首季及上半年会有所上升。虽然面对这些情况,但该行仍是按监管要求贷款,对於受较大影响的企业会根据相关情况按监管政策要求调整还款安排,甚或适当地下调利率等,强调仍会力争在今年维持稳定资产质量。
由於疫情在全球扩大,海外业务的不确定性亦在增加,海外资产质量同样面对挑战,但客户多为跨国企业,以及中资「走出去」等企业为主,因此短期受到的冲击有限。然而,从中长期来看仍是有一定压力,该行会积极就此进行风险排查。
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