Regarding the "mandatory loan" incident, the construction bank, the Agricultural Bank, and the Industrial Bank responded quickly

Recently, the phenomenon of owners' intention to "stop loan" has appeared in many cities. The owners of the Rotid Tail Building issued a statement in many places issued a statement to force the suspension of repayment of the loan until the relevant projects were fully resumed. The cities include Zhengzhou, Shangqiu, Xinxiang, Nanyang, Zhoukou in Henan Province, and Shanxi, Jiangsu, Jiangxi, Hunan, Hubei, Guangxi, Guangxi, Guangxi , Cities in many provinces such as Shaanxi. It is worth mentioning that in the morning, the banking sector fell collectively. Among them, China Merchants Bank's A -share market fell as high as 6.33%. As of now, the decline has narrowed.

On the afternoon of July 14, Agricultural Bank of China, Construction Bank, and Industrial Bank issued an announcement response.

Construction Bank: The current suspension of construction and failure to deliver the real estate in some areas involved the small scale of the Bank

Construction Bank (SH601939, a stock price of 5.58 yuan, and a market value of 1395.1 billion yuan) announced that the current suspension of construction in some areas and the failure to deliver real estate on time involved the small scale of the bank and the overall risk controlled. The Bank will pay close attention to the situation of cooperative companies and real estate, actively cooperate with local governments to do a good job of customer service, communicate with customers, and promote the steady and healthy development of the real estate market.

Agricultural Bank: Relevant real estate involves overdue mortgage loans of 660 million yuan

On July 14, Agricultural Bank of China (SH601288, stock price was 297 yuan, and a market value of 1035.9 billion yuan) announced. In response to recent individual real estate companies' risk exposure and extension of housing development projects. Coordinate mechanisms to investigate the situation of "insured buildings" in housing projects throughout the system.

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.

In the next step, the Agricultural Bank will always adhere to the positioning of "the house is used for living, not used to speculate", 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" financial services. Maintain the steady and healthy development of the real estate market, and maintain the legitimate rights and interests of consumers in housing.

Industrial Bank: The mortgage amount that has stopped repayment is 384 million yuan

On July 14th, Industrial Bank (SH601166, the stock price was 18.02 yuan, and the market value of 374.4 billion yuan) issued an announcement on the investigation of real estate mortgage loans: the company recently involved the news of the "suspension incident" of the Internet recently. The real estate was quickly launched. After investigation, as of now, the company involved a "suspension of loan incidents" real estate related mortgage loans 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 the First Financial Report, the reporter telephone to consult the hotline of the investor in Xingye Bank. The staff said that multiple interruptions were exposed on the Internet in the early period. Business, the scale is "about hundreds of millions".

Bank of Ningbo responded to the impact of loan disconnection: the proportion of business is low, and the impact is not great

Under the tide of mandatory loan disconnection of the owners of many real estate owners at the moment, Ningbo (SZ002142, a stock price of 32.56 yuan, and a market value of 215 billion yuan) On the 14th, the impact of the first financial response of the first financial agent said that the real estate mortgage business accounted for a relatively low, which was on the company. Has little effect.

Minsheng Bank: As of the end of last year, the balance of the mortgage is 590 billion yuan, and will pay close attention to active response

According to the first report of the First Finance and Economics, recently, it is reported that the owners of many projects across the country have jointly announced the forced suspension of loan, which has aroused great attention in the industry. The content of the interpretation of the real estate suspension of real estate interpretation on the Internet shows that developers with a leverage rate of more than 3 times, bond interest rates exceeded 7%, and bond prices have adjusted more than 5%in the past 12 months as developers with problems. The biggest risk exposure is Minsheng Bank (SH600016, with a stock price of 367 yuan, and a market value of 160.7 billion yuan), followed by Ping An Bank, China Merchants Bank, Industrial Bank, and Everbright Bank. In this regard, the reporter learned from Minsheng Bank as an investor this morning that as of the end of last year, Minsheng Bank's personal mortgage loan balance was more than 590 billion yuan. Minsheng Bank stated that he would closely pay attention to market developments and actively respond.

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