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民行(01988.HK):對恆大(03333.HK)授信未涉及新能源車等非房地產領域
民生銀行(01988.HK)行長鄭萬春在第三季業績說明會上表示,民生銀行對恆大集團(03333.HK)的授信業務均為房地產項目貸款,未涉及新能源汽車、金融投資等其他非房地產領域。他續指,民生銀行對恆大貸款風險暴露金額在總體貸款中佔比較小,對民生銀行的風險管理和經營不會產生重大影響。 他表示,房地產項目貸款主要聚焦住宅業態。住宅項目貸款主要分布在經濟較發達的一、二線城市,擔保方式以土地、在建工程抵押為主,追加了項目股權質押、集團連帶責任擔保;民生銀行沒有恆大集團發行的企業債券投資業務和信托、基金、財富等代銷類業務以及「內保外貸」業務。 鄭萬春表示,恆大集團出現風險以來,民生銀行已全面排查存量項目,通過加強項目管控、追加風險緩釋措施,風險敞口逐年下降,風險得到有效控制,取得較好成效。 他表示,後續將持續加強市場及政策研判,因情施策,強化項目管控,通過推進銷售回款、項目轉讓、訴訟清收等多種方式,加快資產處置,進一步壓降風險敞口,有效保障該行合法權益。 民生銀行審慎開展風險分類,根據項目目前的實際情況及預計損失,已經計提了充足的撥備。
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