野村:料招商銀行(3968.HK)將受惠網貸新規 視其為行業首選
野村發表研究報告指,人民銀行和中國銀保監會早前就“網絡小額貸款業務管理”推出新規定,由於門檻提高,網上貸款市場可能繼續整固,預期包括銀行在內的傳統借貸方將受惠於監管收緊,並認為招商銀行(3968.HK)將受惠最大,視之為首選行。
野村認為,網上小額貸款業務的門檻增加,內地的小額貸款營業執照將很難獲得,並需要每3年受到監管部門的定期審查和批核。網上小額借貸人的槓桿上限亦被限制於與傳統借貸方更相近的水平。
該行指,貸款業務的數碼化將會繼續,儘管步伐有所放緩,預料2023年的網上貸款滲透率為5.8%,而2019年的滲透率為5.2%。

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