光大銀行(06818.HK):上半年不良貸款主要集中信用卡、消費信貸及房產領域
光大銀行(06818.HK)副行長楊兵兵在半年業績發布會上表示,截至6月底止上半年不良貸款比率較去年底上升至1.3%,不良貸款主要集中在信用卡、消費信貸以及房產領域,但在該行積極落實各項風險管控措施下,資產質量整體保持在合理區間,預計全年資產質量總體可控,將繼續穩定在合理區間。
楊兵兵補充,信用卡及消費信貸的不良貸款增加主要是由於國內需求仍然不足,部分地區及行業的居民收入有所下降,預計隨著經濟復甦,相關行業的風險水平將有所降低,而該行亦會繼續優化客戶結構、加強授信准入以及對存量進行主動管理。
至於房地產方面,他稱自去年以來房地產領域的政策相繼出台,近期亦進一步調整優了產業政策的指導方向,不過由於市場及企業的經營復興都需要一段時間,因此有一定的滯後性,所以上半年部分相對風險較高的房企項目仍然出現一些貸款資產質量下跌的情況。
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