中行:風控壓力集中在房產、個貸和境外業務
內媒報道,中國銀行(03988.HK)(601988.SH)副行長武劍在2025年中期業績發佈會上表示,目前風險管控壓力主要集中在房地產業、個人貸款和境外業務。
境內對公方面,主要是地產風險仍在持續出清。武劍表示,房地產業仍是境內新發生不良第一大行業,但實質新增按年已出現下降趨勢。隨着房地產供需兩端政策同向發力,預計房地產市場有望逐步止跌回穩。
個人業務方面,武劍指出,上半年個人經營貸款及消費貸款新發生不良比率按年有所增加,預計資產質量在一段時間內仍將持續承壓。中行已採取一系列措施,將加強風險前瞻性管控及貸後管理。
境外業務方面,上半年新發生不良按年有所下降,但下半年外部環境的不確定性尚未減弱,將進一步強化重點領域、區域的風險研判及應對化解,加大優質客戶的差異化支持力度,推動海外業務更高質量地發展。
武劍強調,目前中行重點產業授信業務規模合理,資產質量穩定,將繼續助力化解重點產業結構性矛盾,保持資產質量平穩。在防範風險的同時,積極關注行業內整合兼併的業務機遇。
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