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交行(03328.HK)料2021年資產質量穩中向好 房地產貸款集中管理影響不大
阿思達克 03-26 18:22
交通銀行(03328.HK)行長劉珺出席業績發布會時指,早前人行等發布建立銀行業金融機構房地產貸款集中度管理制度,認為政策對交行影響不大,而交行日後會按「房住不炒」等原則,落實監管部門調控措施。至於在貸款定價方面,央行新規出台後留意到部分地區利息有上行情況,交行會按市場化定價策略,令價格在市場上具競爭力,並確保可有效令房貸資源帶來價值。

針對熱點城市經營貸流入房地產市場,他強調相關排查屬重要工作,亦會持續推進,交行會將合規性放在首位,完善風控能力建設,監控資金用途等,另外亦會透過金融科技等加強線上線下風險防控能力。

副行長殷久勇指,去年交行不良貸款量有所增加,不良貸款率1.67%升約0.2個百分點,不過隨著風險出清、疫情緩和等,資產質量逐步企穩,自第三季不良貸款率上升勢頭也有所緩和,估計2021年資產質量穩中向好,期望年末撥備覆蓋率維持基本穩定。

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