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一表列出中金料大中型内银股的房货占比预测(表)
阿思达克 01-04 15:07
中金发表报告表示,人行行和中国银保监会近日发布《关於建立银行业金融机构房地产贷

款集中度管理制度的通知》,分五档对银行业金融机构房地产贷款占比和个人住房贷款占比设定上限,并对超限银行设置24年调整过渡期。该行指,相关《通知》提出内银涉房贷款集中度分档管理制度并设置业务调整过渡期,有助於内房行业长期平稳健康发展。

(一)该行列出料大型及中型内银股的个人住房贷款占比预测:

大型内银

内银│去年上半年个人住房贷款占比│个人住房贷款占比上限│超出上限

工行(01398.HK)│30.5%│32.5%│-

建行(00939.HK)│34.4%│32.5%│1.9个百分点

农行(01288.HK)│30.5%│32.5%│-

中行(03988.HK)│30.2%│32.5%│-

交行(03328.HK)│20.9%│32.5%│

中型内银

内银│去年上半年个人住房贷款占比│个人住房贷款占比上限│超出上限

招商银行(03968.HK)│24.7%│20%│4.7个百分点

浦发银行(600000.SH)│19.3%│20%│-

中信银行(00998.HK)│19.8%│20%│-

兴业银行(601166.SH│25.7%│20%│5.7个百分点

光大银行(06818.HK)│15.1%│20%│-

华夏银行(600015.SH)│12%│20%│-

平安银行(000001.SZ)│18.2%│20%│-

浙商银行 (02016.HK)│5.9%│20%│-

北京银行(601169.SH)│19.3%│20%│-

上海银行(601229.SH)│10.2%│20%│-

江苏银行(600919.SH)│17.7%│20%│-

-------------------------------

(二)中金列出料大型及中型内银股的住房贷款占比预测:

大型内银

内银│去年上半年住房贷款占比│住房贷款占比上限│超出上限

工行(01398.HK)│35.8%│40%│-

建行(00939.HK)│39.0%│40%│

农行(01288.HK)│35.9%│40%│-

中行(03988.HK)│38.5%│40%│-

交行(03328.HK)│26.5%│40%│

中型内银

内银│去年上半年住房贷款占比│住房贷款占比上限│超出上限

招商银行(03968.HK)│33.2%│27.5%│5.7个百分点

浦发银行(600000.SH)│27.9%│27.5%│0.4个分点

中信银行(00998.HK)│26.7%│27.5%│-

兴业银行(601166.SH│33.7%│27.5%│6.2个百分点

光大银行(06818.HK)│23.1%│27.5%│-

华夏银行(600015.SH)│20%│27.5%│-

平安银行(000001.SZ)│29.3%│27.5%│1.8个百分点

浙商银行 (02016.HK)│20.2%│27.5%│-

北京银行(601169.SH)│29.5%│27.5%│2个百分点

上海银行(601229.SH)│24.7%│27.5%│-

江苏银行(600919.SH)│25.2%│27.5%│-

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