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工行(01398.HK):房地產開發貸款佔比較低 風險可控
阿思達克 08-30 17:43
工行(01398.HK)6月底止房企不良貸款率6.68%,按年升1.21個百分點。副行長王景武表示,開發貸款受房地產風險持續出清影響,房地產貸款不良率有所上升,但佔整體貸款佔比較低,對整體資產質量和盈利影響有限,風險亦可控。 他在業績電話會議上提到,該行上半年新發放個人房貸中,首套房貸款佔比90%,個人住房貸款質量繼續保持市場較好水平。下一步將加強管理存量和新增貸款,加強存量風險化解,一方面積極配合政府做好保交樓工作,加快存量不良資產處置,持續落實好金融16條政策,積極適應內地房地產市場供求關係發生重大變化新形勢,並繼續滿足居民購房合理信貸需求,支持房地產市場平穩發展。 信貸投放方面,該行稱上半年各項貸款較上年底增加2萬億元人民幣,增加9%。下半年信貸投放工作重點分別是增總量、優投向、穩質量。
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