內媒調查指部分銀行現罕見「資產荒」
內地媒體《21世紀經濟報道》調查發現,2021年尾,內地部分銀行分支機構遭遇罕見的「資產荒」,部分地區中小微企業信貸需求不足,導致銀行普惠貸款一度面臨投放難題,國有大行部分基層網點普惠貸款投放面臨不少壓力。
每年年底一般是內地商業銀行為翌年「開門紅」儲備項目的時期,但目前部分機構受資產荒壓力,須將開門紅儲備項目提前投放。報道指,資產荒亦波及金融市場。近日中國十年國孳息率逼近年內新低,城投債信用利差接近歷史最低水平,甚至銀行票據轉貼利率一度接近零。
調查發現,有銀行為完成普惠貸款任務,以各種名目推出了極有針對性的信貸產品,同時降低標準和門檻,使本來被銀行風控體系排除在外的客戶滿足放貸要求。
業內人士向該報表示,通過適度放寬經營貸標準、加大普惠貸款投放力度,商業銀行完成今年普惠貸款任務的難度不大,但明年第一季開門紅也將面臨不小的壓力。也有業內人士反映爭奪普惠客戶目標已經轉向「專精特新」,包括「小巨人」企業,以及製造業企業。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.