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招行(03968.HK)行長:必須面房地產行業趨勢性變化
阿思達克 08-23 09:43
招行(03968.HK)行長王良表示,過去基本上新發放貸款的60%左右配置在零售信貸資產上。今年受到信用卡和按揭貸款雙重收縮的影響,上半年零售貸款增速不達預期,雖然總量增長約1,000億元人民幣,僅完成預算30%多一點的水平,但是不改變今後進一步加大零售信貸配置、加大零售業務投入的戰略。 王良指,過去房地產資產是銀行配置的重要組成部分,招行的按揭貸款、房地產開發貸款和其他類型的相關資產投放量都很大,現時房地產行業出現了拐點是一個很大的變化,必須面對這種趨勢性的變化。 招行副行長朱江濤認為,對公房地產貸款季度不良生成趨勢放緩,對於全年房地產風險展望,認為年內季度生成的高點已經過去,後續整個行業風險會趨於平穩。 據悉,該行房地產項目貨值對應融資覆蓋倍數在1.5倍以上的比例超過70%,並會進一步加強對資金的監管以及項目貸款封閉管理的要求。
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