You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
標普:封控對業務集中上海的銀行產生較大影響
阿思達克 04-20 09:41
標普表示,作為兩年以來中國規模最大的疫情封控,上海的封控可能會對一些業務高度集中於該金融中心的中資銀行產生較大影響,其中有上海農商銀行(601825.SH)和上海銀行(601229.SH)。該機構認為,疫情防控對小微企業的影響會更加嚴重,從而波及向這些企業發放貸款的銀行。上海農商銀行的貸款以中小企業貸款和農村貸款為主,幾乎全部投放在上海地區。上海銀行的上海地區貸款佔比超過40%。 標普全球評級信用分析師陳俊銘表示,上海的封控對中國整體金融系統的影響是可控的,截至2021年末上海佔全國貸款餘額比例為5%,上海地區商業銀行業不良率為0.73%,2020年末上海地區銀行業不良率控制在0.79%。但他指,如果大規模的封控從上海擴展到其他地方,一些規模較大、地域集中度較高的銀行也有可能受到影響。 可能受影響的包括浙商銀行(02016.HK)和浦發銀行(600000.SH)。與上海在經濟社會上密不可分的長三角地區,約佔浙商銀行貸款餘額的54%,佔浦發銀行貸款餘額的32%。國有大型商業銀行和股份制商業銀行的長三角貸款平均佔比約26%。此外,浙商銀行和浦發銀行的不良率略高於且撥備覆蓋率低於股份制銀行的平均水平。
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.
uSMART
Wealth Growth Made Easy
Open Account