Agricultural Bank of China, CCB, and Xingye disclosed the situation of "insurance delivery", which is called "controllable risks"

Zhongxin Jingwei, July 14th. The storm of losing loans in rotten tail buildings has intensified, and the impact of bank asset quality has attracted attention. On the 14th, the Agricultural Bank of China, the Construction Bank, and the Industrial Bank issued an announcement response.

Agricultural Bank announced that in response to the recent risk exposure of individual real estate enterprises and the extension of housing development projects, Agricultural Bank attaches great importance to it and moves rapidly. Check. As of the end of June 2022, the balance of personal housing loans of the entire bank was 5.34 trillion yuan. Among them, there are 57,000 cooperative real estate in one -handed building, and the balance of mortgage loans of first -hand buildings is 3.97 trillion yuan. Real estate, which has preliminarily determined that the risk of "guarantee of the property" involves the balance of overdue mortgage loans, accounting for 0.012%of the entire mortgage loan balance, and 0.017%of the balance of one -handed mortgage loan. At present, the business scale involving the risk of "insurance delivery" is small and the overall risk is controllable.

Agricultural Bank said that in the next step, it will always adhere to "the house is used for living, not for speculation" positioning, strictly implement financial supervision requirements, and actively cooperate with local governments to do a good job of "keeping diplomatic relations, protecting people's livelihood, and stable" finance. Serve the smooth and healthy development of the real estate market, and maintain the legitimate rights and interests of consumers in housing.

Construction Bank announced that it resolutely implements the decision -making and deployment of the Party Central Committee and the State Council, adheres to the positioning of "housing and not frying", adheres to the risk preferences of prudent and stable, firmly implements the housing leasing strategy, and promotes the virtuous cycle of real estate industry and the healthy development of the real estate industry.

Personal housing loan business actively implements national policies, conscientiously implement supervision requirements, strengthen risk management, strictly enroll in real estate, adhere to compliance operations, and keep asset quality stable for a long time. The current suspension of work in some areas and the failure to deliver the real estate on time involve the small scale of the Bank and the overall risk controlled.

Construction Bank stated that it will pay close attention to the situation of cooperative companies and real estate, actively cooperate with local governments to do customer service work, communicate with customers, and promote the steady and healthy development of the real estate market.

The Industrial Bank announced that the real estate involved in the news of the "suspension of loan" recently launched a investigation. After investigation, as of now, the company involved a "suspension incident" real estate -related mortgage loan balance of 1.6 billion yuan (of which the balance of non -performing loans was 75 million yuan), and the mortgage amount that had stopped repayment was 384 million yuan, which was mainly concentrated in Henan. Thanks to the company's differentiated access and management requirements for mortgage loans in the early stage, the overall scale of mortgage loans that have been involved in and risk risks in the company is small, which will not have a significant impact on the company's operations.

According to media reports, some agencies have previously pointed out that in combination with mortgage and development loan exposure, the large banks are Ping An Bank, China Merchants Bank and Industrial Bank.

In terms of stock markets, on the 14th, the bank sector fell forward. As of press time, 28 bank stocks including Ping An Bank and China Merchants Bank fell more than 1%.

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