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德勤:銀行應識別房企隱藏槓桿
德勤中國統計,截至今年6月底,房地產業不良貸款餘額達808.48億元人民幣,較年初增長38.2%,不良率上升39個基點。德勤認爲由於房企多元的融資渠道,銀行在風險評估和預警時,應綜合考慮借款人通過表外業務或其他特定目的載體的授信融資情況,識別通過各類交易安排嵌套的隱藏槓桿。 德勤中國金融服務業審計及監證副主管合夥人曾浩表示,目前房地產信貸資產質量比十多年前高很多,目前房地產信貸的抵押率高,相對風險不會如敞口這麼巨大。他說,房地產信貸受到監管控制,銀行也會直接管理這類型資產,相信未來房地產信貸增長一定會減少。 德勤中國銀行業及資本市場主管合夥人郭新華表示,國家宣佈設立北京證券交易所,是通過資本市場提升競爭力,銀行可以透過做好客戶分層管理、改善擔保政策來提升競爭力。他指出,目前中小企融資的最大問題是擔保,銀行可以考慮以企業知識產權、研發技術來作爲全審要素,以服務一些科技含量高的輕資產機構。
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