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穆迪:國有四大行資產質量改善料具正面信用影響
評級機構穆迪表示,內地國有四大銀行中國銀行(03988.HK)、農業銀行(01288.HK)、建設銀行(00939.HK)及工商銀行(01398.HK)上半年業績顯示資產質量進一步改善,由於新增不良貸款減少,且不良貸款覈銷規模較大,四大行企業和個人貸款不良率下降,同時其撥備覆蓋率有所上升,預期具有正面信用影響。 穆迪指,貸款的信用成本較去年同期有所下降,並已回落至疫情前的水平,反映經濟復甦下貸款損失預期較低。與其他地區的同業相比,中資銀行信用成本較高,反映高槓杆經濟中潛在的信貸風險以及銀行體系中本已較高的不良貸款生成率,爲去年疫情引發的額外撥備計提規模不大的原因。 就貸款類型而言,佔四大行總貸款3%至6%的房地產開發商貸款的資產表現趨弱,穆迪認爲此反映出房地產行業的信貸緊縮狀況。
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