Under the spread of "breaking the tide", many banks responded urgently

21st Century Business Herald reporter Jia Junhui Guangzhou report

"Broken supply" has spread throughout the country.

Relevant statistics show that as of July 14, the owners of more than 180 real estate in the country have jointly suspended loans, including Beijing, Shanghai, Henan, Hebei, Hunan, Jiangxi, Guangxi, Shanxi, Liaoning, Anhui, Fujian, Fujian , Jiangsu, Yunnan and other provinces.

Affected by this news, when the market fluttered that day, the A -share bank sector fell more than 2%, of which 39 banks fell, and many banks fell more than 3%.

However, some people in the industry have analyzed that mortgage loans have always been high -quality banks, and statistical point of view, the total loan of loan real estate accounted for a relatively small proportion of bank mortgage loans, which will not cause a greater impact.

On July 14, many banks such as CCB, Agricultural Bank, and Xingye issued an announcement in response to the "suspension of loan incidents."

CCB: 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

On July 14, the Construction Bank issued an announcement saying that its personal housing loan business actively implemented national policies, conscientiously implemented supervision requirements, strengthened risk management, strict real estate access, adhered to compliance operations, and maintained asset quality 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.

CCB stated that the bank resolutely implemented the decision -making and deployment of the Party Central Committee and the State Council, adhered to the positioning of "housing and not frying", adhered to a prudent and stable risk preference, firmly implemented the housing leasing strategy, and promoted the virtuous cycle and healthy development of the real estate industry. Next, we 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 of China: Real estate, which preliminarily determined that there is a risk of "insurance," involves an overdue mortgage loan balance of 660 million yuan

On July 14, Agricultural Bank issued an announcement saying that in response to the recent risk exposure of individual real estate companies and the extension of housing development projects, the bank attached great importance to it and moved rapidly. Inspection of the "Insurance of the Security Building". 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.

The Agricultural Bank stated that the next step will always adhere to the positioning of "the house is used to live, not for speculation", strictly implement the requirements of financial supervision, and actively cooperate with local governments to do a good job of "keeping traffic, protecting people's livelihood, and stable stability" 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: Involved in the "suspension of loan incidents" real estate -related mortgage loans of 1.6 billion yuan

On July 14, Industrial Bank issued an announcement saying that the bank recently launched a investigation into the real estate involved in the news of the "suspension of loans" recently. After investigation, as of now, it has involved the balance of mortgage loans related to the "suspension incident" 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.

According to the Industrial Bank, thanks to the bank's differentiated access and management requirements for mortgage loans in the early stage, the overall scale of mortgage loans that have been involved and risky risks will not have a significant impact on the operation.

- END -