銀河聯昌:料招行(3968.HK)有望在零售貸款領域贏得更多市佔率
銀河聯昌發表研究報告指,內地零售貸款市場增長潛力龐大,招商銀行(3968.HK)是零售貸款市場的主要領導者,信用卡貸款佔其上半年貸款規模13.4%,預料將有望在利潤豐厚的零售貸款領域贏得更多的市佔率,而規模較小的同業,該類貸款增長將放緩。
銀河聯昌表示,儘管受到疫情影響,零售信貸市場仍具有可觀的增長潛力,與全球同業相比,中國的普及率仍然較低。截至去年底,中國包括按揭在內的消費者債務約佔整體經濟的55%,而全球平均水平為65%。
該行指,近年來中國零售貸款市場迅速增長,主要由中小銀行藉助,包括螞蟻在內的助貸機構推動,但監管的約束將導致小型銀行零售貸款增長放緩,又指中小型銀行的資本水平相對較低,而且在低利率環境下更脆弱。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.