工行行長:6月末普惠口徑不良貸款餘額、不良率比年初「雙降」
工商銀行(01398.HK)(601398.SH)行長谷澍在「2020中國銀行業發展論壇」上表示,對於發展普惠金融,總體看既有力支持小微企業,商業上也可持續。
他透露,今年上半年,在貸款增量上,工行普惠貸款增加1,684億元人民幣(下同),增幅35.7%,超額完成全年高於40%的序時進度。在貸款投向上,累計為33萬戶復工復產小微企業發放貸款5,300億元;為1.9萬戶小微企業提供「首貸」服務;信用類貸款餘額比年初增長95%。截至6月末,工行銀保監會普惠口徑的不良貸款餘額83億元,比年初下降37億元;不良率是1.3%,比年初下降1.25個百分點。
谷澍表示,從長期看,內地經濟潛力大、韌性足的特點沒有改變,發展普惠金融的機遇和空間仍然非常大。因此,商業銀行將進一步完善普惠金融可持續發展模式,不斷提升業務發展與風險控制的匹配能力,優化融資結構,降低運營成本及完善綜合服務體系。
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