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建行(00939.HK)料下半年消費貸款增長勝上半年
阿思達克 08-31 17:19
建設銀行(00939.HK)行長張金良表示,上半年消費市場嚴峻,把握消費金融,隨著下半年提振消費、穩經濟措施出台,消費需求逐步釋放,該行將進一步發掘消費動力,預料下半年消費貸款增長好過上半年。 首席風險官程遠國表示,去年疫情反覆,房企營運受壓,該行的房地產貸款不良率上升,但總體風險可控,該行撥備充足。他指,該行對房地產貸款投放較以往有所減少,將更多貸款投放於住房租賃,這類貸款不涉風險暴露,貸款支持項目集中在一、二線城市,而且近期中央降息、政策性銀行提供保交樓專項貸款,地方亦推出政策救市,對提振市場信心將有作用,雖然短期房地產市場仍有波動,但長期主基調仍然穩定。 建行副行長李運表示,4至5月期間由於房企流動性壓力加大、內地疫情,住房按揭需求壓力大,不過隨著疫情緩和及住房消費政策優化,住房按揭受理個案和投放量均在6月明顯回升,達到上半年高點。 截至6月底,建行境內個人貸款餘額8.09萬億元人民幣(下同),增幅2.47%。其中個人住房貸款餘額6.48萬億元,不良率為0.25%。李運指出,截至7月底,該行涉及停貸斷供的個人按揭逾期貸款有11.42億元,佔全部按揭貸款餘額0.018%,不良餘額5億元,佔全部按揭貸款餘額00.0077%,整體個人按揭貸款風險可控。
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