中行(03988.HK):不良贷款反弹主因受疫情影响
中行(03988.HK)副行长陈怀宇表示,去年受疫情影响,令不良贷款反弹,其中内地集中在制造业、房地产等,海外则为油气和航空业等,但第四季不良贷款已较第三季有改善,相信有持续回复趋势。
他指,中国经济在全球率先回复增长,预期风险资产可控,但同时亦要留意货币政策收紧,疫情影响後,带来的压力,特别是在疫情影响实施临时延长还款措施等,企业未有改善、地区财政压力、供应链弱势民营企业的还款能力;海外方面,欧洲疫情有卷土重来,对宏观经济影响较大,海外风险管理存压力,不过相信整体情况可控。
他表示,今年会积极防范风险,与服务经济结合,强抓十四五机遇,加强潜在风险管控,相信在银行有针对性风险管控措施下,预期今年资产质量保持稳定,有向好趋势。
行长刘金补充,不良贷款在过程中有波动,但在合理范围内,市场不用担心,亦不用过份解读,公司会按要求化解不良资产,充份利用不良贷款的处置手段。
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