郭樹清料今年內銀處置不良貸款增至3.4萬億人幣
中國銀保監會主席郭樹清接受《新華社》訪問時表示,今年上半年受新冠肺炎疫情等因素影響,銀行業新形成不良貸款較去年同期有所上升。而目前經濟尚未全面恢復,疫情仍有較大不確定性,所帶來的金融風險也存在一定時滯,預計有相當規模貸款的風險會延後暴露,未來不良貸款上升壓力較大。
他指,要求銀行採取多種方法補足資本,提前加大撥備提取,提高未來風險抵禦能力,並是加大不良貸款處置力度。在充分揭示風險的前提下,研究分階段下調撥備覆蓋率的監管要求,釋放資源全部用於處置不良貸款。另外,需嚴控增量風險。督促銀行加強內部控制和風險管理,做好貸款「三查」,減少貸款損失。
郭樹清預計,今年全年銀行業將處置不良貸款3.4萬億元人民幣(下同),比去年的2.3萬億元加大了力度,明年的處置力度會更大,因為很多貸款延期了,一些問題明年才會暴露出來。
數據顯示,今年第二季末,中國銀行業不良貸款率為1.94%,較首季末的1.91%進一步上升,上半年不良貸款總額增加3,229億元,已接近去年全年3,881億元的不良餘額增幅。
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