CITIC Bank Hu Gao: Real estate risks are controllable.

Zhongxin Jingwei, August 26th (Wei Wei) On the 26th, CITIC Bank held a semi -annual performance conference in 2022. Hu Yan, the vice president of CITIC Bank and the risk director, said that in many places, they have issued favorable policies. It has been very strongly involved in the incident of insurance diplomatic relations. We believe that the overall situation of real estate should still be controllable. The future situation will continue to stabilize with the implementation of the policy, and the overall demand will be improved.

According to Hu Yan, from the perspective of the overall real estate data, the current assets that CITIC Bank bear the risk of public real estate is 398.7 billion yuan, an increase of 1 billion yuan over the beginning of the year. Among them It is due to the implementation of the national real estate support policy, and CITIC Bank focuses on supporting the construction of affordable housing. The adverse rate of real estate development loans was 2.89%, a decrease of 0.74 percentage points from the beginning of the year.

Hu Yan pointed out that there are two parts of personal business involving real estate. One is that the balance of personal mortgage loans is 983.1 billion yuan, an increase of 9.7 billion yuan over the beginning of the year, and the adverse rate is 0.38%. Regarding the insurance transit incident, the overdue balance of CITIC Bank's personal housing loan is 1.16 million yuan, which is controllable. Second, the balance of personal real estate mortgage loans was 366.7 billion yuan, an increase of 31.2 billion yuan over the beginning of the year, with a non -performing rate of 1.08%, a decrease of 0.16 percentage points from the end of last year.

Regarding the trend of real estate in the future, Hu Yan talked about it, from the perspective of policy levels, maintaining the steady and healthy development of real estate is a total tone. The Central Political Bureau meeting has proposed to support rigid and improved housing demand, compact local responsibilities "keeping traffic, protecting people's livelihood", and the commonly mentioned "one city and one strategy" to the country. Sexual housing needs.

Hu Huan mentioned that there are two aspects worthy of attention. One is that the data for warming up is not too obvious. This is essential for the future healthy development of the entire real estate industry. Second, due to the differentiation of enterprises, those companies with slow dewlocation, heavy debt, and poor management will continue to mine, which may have some impact on the entire real estate industry, which is also what we are continuously paying attention.

Hu Yan believes that in the short term, the risk of the real estate industry has not been completely lifted, and the market confidence needs to be recovered. From the mid -term perspective, the confidence of real estate will develop safely and develop healthily. "We believe that the good companies that can survive after differentiation, or some good areas, real estate still has a big chance for banks."

Looking forward to the measures for the real estate industry in the future, Hu Yan pointed out that there are two main aspects. One is that for existing stock projects, it will strengthen post -loan management, especially the risks of enterprises that are already risky and their upstream and downstream enterprises. The second is to implement differentiated policies for existing existing customers, support good support, try to drop as much as possible or take some risk management measures. Regarding the project involved in the preservation of the building, Hu Yan said that with the "keeping traffic and stable people's livelihood" as the first, the project funds are used to maximize the time to respond to the concerns of all parties in a timely manner.

For incremental projects, Hu Yan said that he will choose "good customers, good areas" focusing on the layout, while focusing on supporting rigid and improving housing needs. At the same time, the real estate mergers and acquisition loan business will be carried out steadily and orderly, and the projects of high -quality enterprises to acquire key housing enterprises will also actively participate in real estate bailout funds. (For more reports, please contact Wei Wei, the author of this article: [email protected]) (Zhongxin Jingwei APP)

Editor in charge: Luo Yan

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