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一表列出中金料大中型內銀股的房貨佔比預測(表)
阿思達克 01-04 15:07
中金發表報告表示,人行行和中國銀保監會近日發布《關於建立銀行業金融機構房地產貸

款集中度管理制度的通知》,分五檔對銀行業金融機構房地產貸款佔比和個人住房貸款占比設定上限,並對超限銀行設置24年調整過渡期。該行指,相關《通知》提出內銀涉房貸款集中度分檔管理制度並設置業務調整過渡期,有助於內房行業長期平穩健康發展。

(一)該行列出料大型及中型內銀股的個人住房貸款佔比預測:

大型內銀

內銀│去年上半年個人住房貸款佔比│個人住房貸款佔比上限│超出上限

工行(01398.HK)│30.5%│32.5%│-

建行(00939.HK)│34.4%│32.5%│1.9個百分點

農行(01288.HK)│30.5%│32.5%│-

中行(03988.HK)│30.2%│32.5%│-

交行(03328.HK)│20.9%│32.5%│

中型內銀

內銀│去年上半年個人住房貸款佔比│個人住房貸款佔比上限│超出上限

招商銀行(03968.HK)│24.7%│20%│4.7個百分點

浦發銀行(600000.SH)│19.3%│20%│-

中信銀行(00998.HK)│19.8%│20%│-

興業銀行(601166.SH│25.7%│20%│5.7個百分點

光大銀行(06818.HK)│15.1%│20%│-

華夏銀行(600015.SH)│12%│20%│-

平安銀行(000001.SZ)│18.2%│20%│-

浙商銀行 (02016.HK)│5.9%│20%│-

北京銀行(601169.SH)│19.3%│20%│-

上海銀行(601229.SH)│10.2%│20%│-

江蘇銀行(600919.SH)│17.7%│20%│-

-------------------------------

(二)中金列出料大型及中型內銀股的住房貸款佔比預測:

大型內銀

內銀│去年上半年住房貸款佔比│住房貸款佔比上限│超出上限

工行(01398.HK)│35.8%│40%│-

建行(00939.HK)│39.0%│40%│

農行(01288.HK)│35.9%│40%│-

中行(03988.HK)│38.5%│40%│-

交行(03328.HK)│26.5%│40%│

中型內銀

內銀│去年上半年住房貸款佔比│住房貸款佔比上限│超出上限

招商銀行(03968.HK)│33.2%│27.5%│5.7個百分點

浦發銀行(600000.SH)│27.9%│27.5%│0.4個分點

中信銀行(00998.HK)│26.7%│27.5%│-

興業銀行(601166.SH│33.7%│27.5%│6.2個百分點

光大銀行(06818.HK)│23.1%│27.5%│-

華夏銀行(600015.SH)│20%│27.5%│-

平安銀行(000001.SZ)│29.3%│27.5%│1.8個百分點

浙商銀行 (02016.HK)│20.2%│27.5%│-

北京銀行(601169.SH)│29.5%│27.5%│2個百分點

上海銀行(601229.SH)│24.7%│27.5%│-

江蘇銀行(600919.SH)│25.2%│27.5%│-

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