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穆迪:無抵押貸款消費增加中資銀行資產風險
阿思達克 11-27 14:05
國際評級機構穆迪表示,中國的無抵押消費貸款規模隨手機使用和電子商務增長而有所擴大,令銀行業零售貸款不斷增長,消費者負債佔GDP的比例從2015年底的39%,升至2019年底的55%,料將加大中資銀行短賬齡的風險以及受房地產業週期的影響。

穆迪指出商業銀行已經與金融科技公司合作,利用後者對網上消費者行為和交易歷史的分析,以聯合貸款的業務模式向消費者提供貸款,此類創新的授信表現尚未經過經濟週期的檢驗,給銀行的零售貸款業務造成重要的資產風險。

穆迪預期,消費者負債比例與亞太其他經濟體相比仍處於適中水平,認為迄今為止中資銀行的信用風險依然可控。

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