中行(03988.HK):中小企業受疫情衝擊較大 料首季及上半年逾期貸款有所上升
中國銀行(03988.HK)副行長林景臻在電話會議上表示,雖然今年外部經營環境出現新情況,但對該行1至2月份的貸款投放影響不大。截至2月底,該行的公司貸款按年增加介乎323億至918億元人民幣。隨著各地陸續復工復產,信貸需求逐步恢復,預計疫情對首季的信貸投放影響有限,今年的公司貸款將會保持合理的增速,較去年適當地增加,並將著力優化結構,加大對優質新興企業的支持,提升中長期貸款的佔比。
風險總監劉堅東指出,今年由於出現疫情,加上全球金融市場波動等不確定因素,短期餐飲住宿、旅遊娛樂及批發零售等消費與服務行業首當其衝,而製造業及房地產業亦因為交通封鎖而受到較大影響,尤其是中小企業受到的衝擊較大。他預期,這情況會對該行首季度的資產質量有衝擊,料逾期貸款在首季及上半年會有所上升。雖然面對這些情況,但該行仍是按監管要求貸款,對於受較大影響的企業會根據相關情況按監管政策要求調整還款安排,甚或適當地下調利率等,強調仍會力爭在今年維持穩定資產質量。
由於疫情在全球擴大,海外業務的不確定性亦在增加,海外資產質量同樣面對挑戰,但客戶多為跨國企業,以及中資「走出去」等企業為主,因此短期受到的衝擊有限。然而,從中長期來看仍是有一定壓力,該行會積極就此進行風險排查。
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