內地經濟日報文章:警惕房地產不良貸款「雙升」
內地《經濟日報》發表文章稱,內地手房地產領域信用風險再度引發關注。據報梳理半年報發現,不論國有大型商業銀行、股份制商業銀行還是城市商業銀行,大部份銀行在房地產領域的不良貸款餘額、不良貸款率均出現「雙升」。
針對該現象,業內人士表示,接下來需要高度警惕房地產領域潛在金融風險。一方面,上市銀行要嚴格落實房地產市場調控政策,嚴把風險關口,防止信貸資金違規流入房地產市場;另一方面,金融管理部門要持續完善房地產金融監管機制,防範房地產貸款過度集中,促進金融與房地產良性循環。
從國有銀行已披露數據顯示,截至2021年6月末,中國工商銀行(01398.HK)(601398.SH)、中國建設銀行(00939.HK)(601939.SH)、交通銀行(03328.HK)(601328.SH)的房地產業不良貸款餘額分別爲319.11億元人民幣(下同)、115.64億元、64.61億元,較去年年末上升156.73億元、25.53億元、17.5億元;房地產業不良貸款率分別爲4.29%、1.56%、1.69%,較去年年末上升1.97個百分點、0.25個百分點、0.34個百分點。
部份股份銀行房地產不良貸款出現「雙升」情況。例如,截至2021年6月末,招商銀行(03968.HK)(600036.SH)、民生銀行(01988.HK)(600016.SH)、平安銀行(000001.SZ)房地產不良貸款率分別爲1.07%、1.04%、0.57%,較去年年末上升0.77個百分點、0.35個百分點、0.36個百分點。(ta/w) ~
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.