As appear on the market job of exposure of bank annual report pulls open big screen, the bank also is shown stage by stage to panorama of house property loan. Up to last year end, 33 already showed year outstanding achievement appear on the market bank (contain A, H) remaining sum of experience room loan is total 28 trillion yuan, occupy mediumly in total loan than be close to 32.7% .
Among them, individual room lends amount nearly 23 trillion yuan, relatively the beginning of the year grows 15.6% ; To general loan remaining sum of next real-estate industry loan also are close to 5.4 trillion yuan, relatively the beginning of the year grows 16.2% . Growth of experience room loan also presents two big features:
It is, although individual room is borrowed,add fast continue to glide, but still put in in bank credit in hold significant position. 33 appear on the market bank room borrows increment to be occupied mediumly in increment of complete travel loan than be as high as 37.5% , prep above 2017.
2 be, although financing channel tightens up room look forward to to already became established fact it seems that, but appeared on the market last year amount of loan of bank real-estate industry goes against force growth however, increment is very supreme 2017. Only remaining sum of loan of 8 banks this industry is pressed somewhat fall, and with in small bank is given priority to.
While amount of experience room loan continues to rise, the bank awards sex of structure of letter policy proceed to adjust:
It is, individual room is borrowed continue to carry out poor dissimilation, family of key support dweller lives first sets oneself the gender buys room demand;
2 be, development is borrowed adopt difference generally to change the policy that give a letter, area of focusing key client, key, preferred supportive canopy transforms loan business, father at the same time accuse business to develop financing, commerciality canopy to change financing with the room.
Notable is, much home bank alludes in annals the risk that estate gives letter professional work. In order to enrol behavior exemple, should express all right: Predict real-estate industry risk basically was centered in the part to go 2019 stock rate is slow 3, 4 lines city, and individual tall lever, medium small estate company.
The room is borrowed still is the important grasper that credit puts in
Appear on the market the enthusiasm that the bank borrows to individual room is not decreased. Up to last year end, 33 are narrated to appear on the market before bank individual room borrows amount to already was close to 23 trillion yuan, relatively the beginning of the year grows 15.6% .
Compare with photograph of the trend before this, although individual room is borrowed,add fast still be in the passageway that continues to reduce, considering this kind nevertheless high grade asset is opposite the integrated benefit of the bank, individual room is borrowed in A appear on the market the credit of the bank puts in in still hold significant position.
The data of an OK and direct evidence is: 33 are narrated to appear on the market before the room borrowed the bank last year increment is occupied mediumly in total loan increment than be as high as 37.5% .
Many banks also make clear in annals, will implement policy of adjusting control of national estate market actively, continue to implement policy of loan of housing of poor dissimilation individual, family of key support dweller lives first sets oneself the gender buys room demand.
Meanwhile, appear on the market receivable loan adds loan of bank individual consumption, credit card fast borrow apparently quickly at the room add fast, lend interest rate at the room that rises ceaselessly relatively, consumptive loan interest rate is general also taller, to asset of commercial bank whole upright accrual and even only interest difference have the front to promote.
Smooth big bank expresses in annals, should go 2018 borrow " the key casts housing of Xiang Fei's individual to borrow money " .
Look into estate sold the market 2019, moody investor serves a company to express, accept demand abate (especially 34 lines city) influence, sale of agreement of estate of 12 months whole nation grows future to continue possibly to put delay.
Construction Bank room borrows increment to occupy than 67% , room of bank of the people's livelihood is borrowed pressure fall
Specific see individual room borrow, be versed in travel, Construction Bank, Agriculture Bank remains a room to borrow large family, no matter be the room borrows remaining sum or increment, be in in domestic bank before rank house. Among them end room borrowed the Construction Bank last year remaining sum is occupied in always borrowing money than be as high as 35.1% , continue to rank domestic bank the first; Mail store the room of bank, Agriculture Bank is borrowed occupy amount to than also parting 33% , 30.7% .
In share travel, the room borrowed increment dimensions last year bigger is medium letter bank and action merchant bank, exceed 138.1 billion yuan to mix 95.3 billion yuan respectively. But add fast the fastest is bank of merchant of short for Zhejiang Province however, end room borrowed remaining sum to be 44.45 billion yuan only this last year, relatively the beginning of the year soars 57% .
Notable is, room of individual of year end of bank of the people's livelihood lends remaining sum relatively pressing of the beginning of the year falls about 15.5 billion yuan, decrease nearly 4% , become a few a few to reduce individual room to borrow the bank that put in.
In in small bank, because the room shifts remaining sum base inferior, the room that much home bank realized 100% above last year is borrowed add fast. Among them, gansu Province bank, river shade bank, bank flourishing Beijing is added fast it is respectively 221% , 131% with 126% , but the room of these banks is borrowed occupy than exceeding 10% .
Borrow increment to be occupied mediumly in increment of complete travel loan from the room look than coming, state-owned big travel exceeds 40% generally, among them the Construction Bank is occupied this than be being achieved even 67% ; In share travel criterion with in before letter bank, action merchant bank is resided, amount to respectively 33% , 26% ; In in small bank, the room borrowed Jiangxi bank last year increment is occupied than be as high as 44% , in making room of this year end borrow remaining sum to borrow money in complete travel occupy come than rising 25.7% , row of of short duration appears on the market in small bank the first.
Development of room look forward to is borrowed go against force growth
Since last year, financing channel tightens up room look forward to to already became established fact it seems that. The data of OK and direct evidence is, specified amount of loan of home of room look forward to amounted to 2.4 trillion yuan last year, glide compared to the same period 4.9% , this and the situation that specified amount of loan of home of room look forward to rose more than 17% compared to the same period 2017 are disparate.
But in appear on the market in bank annual report, conclusion however to it contrary: Up to last year end, 33 are narrated to appear on the market before the bank is right fair the amount of remaining sum of real-estate industry loan that lends money to fall 5.4 trillion yuan, relatively the beginning of the year grows 16.2% ; Integral increment also prep above 2017. Among them, have remaining sum of loan of 8 banks real estate only relatively the beginning of the year decreases somewhat, and with in small bank is given priority to.
Although differ,the statistical requirements that the bank borrows money to real estate may differ somewhat, but basically include to develop property of loan, management sex to mortgage loan is mixed other extend the blame estate utility of real-estate industry business borrows money, borrow in order to develop among them give priority to.
33 appear on the market in the bank, share remaining sum of loan of industry of 25 banks real-estate relatively the beginning of the year increases, among them prep above of 20 banks amplitude 10% , with small bank gives priority to in the part: Qingdao bank, Zhengzhou bank remaining sum of real-estate industry loan parted last year relatively the beginning of the year grows 113% , 81% .
Notable is, although individual room borrows remaining sum to appear,press fall, but real-estate loan remaining sum presented bank of the people's livelihood to grow more quickly however last year. Up to last year end, remaining sum of loan of this real-estate industry amounts to 387.9 billion yuan, relatively the beginning of the year grows 51.5% , add fast rank appear on the market bank front row.
Look from increment, bank of the people's livelihood also borrows money with 131.8 billion yuan real-estate industry increment tabernacle the first, labour travel, Construction Bank borrows money this kind twice all right greatly increment also is close to 110 billion yuan.
Close good admittance, be on guard risk
In appear on the market the bank is gone against situation increase development to borrow put in while, the structure that borrows money to room look forward to also is changing, the strategy giving a letter that is adopted generally is: The difference of area of focusing key client, key changes the policy that give a letter.
Action travel expresses in annals, give letter professional work to estate, hold to " area of client of control gross, focusing, focusing, adjust structure, rigorous management " basic principle, hire assets of hire, estate around housing negotiable securities is changed and the industry such as investment of sex of estate rights and interests develops way, trends adjusts credit policy, guide asset is organized and put in.
On one hand, aggrandizement industry limitation manages, optimize city and client classification management ceaselessly, the key is cast to high grade city and client of total branch strategy; On the other hand, severe charge price of early days estate exorbitant reach inventory the financing of faster city is occupied than, severe accuse business to develop financing with the room, severe accuse financing of project of real estate of cost of tall lever, expensive financing, carry out real-estate loan strictly to close administrative demand, optimize capital structure continuously;
In addition, bank of much also home also raised much home bank to control zephyr danger to be on guard to the asset quality of estate domain requirement. Industry expresses all right, will strengthen management of real-estate industry risk through two respects act.
Above all, guide increase estate domain the people's livelihood to ensure strength, continue preferred supportive canopy transforms loan business, begin professional work of loan of the housing that rent steadily;
Next, to commerciality estate loan is on gross pilot foundation, executive area difference changes credit policy, digestive cycle of city of key support a gleam of and inventory is reasonable, potential the project of housing of general goods of second line city with sufficient demand, careful hold 34 lines city to add housing newly to develop loan business;
Again, from tight control commodity house develops loan and commerciality canopy to transform loan business.
Hand in also be in all right look into when 2019 special mention, "The risk that the estate company with debt bigger pressure exists needs vigilance " . Action travel also predicts, real-estate industry risk basically went in the part centrally 2019 stock rate is slow 3, 4 lines city, and individual tall lever, medium small estate company.
1 million users are looking
See again cast put in prison of " of bribery of travel employee " , carry advantage cost to take an item, 2.45 million bring sentence 3 delay 4! Certificate business again and again step on the line, does the industry go when does regulation rest?
For a time miserable intense explodes the equity impawn financing of thunder fire! The certificate business that dash ahead without thinking one's safety begins depress financing doorsill to grab a customer, really good did the scar forget to ache?
98 cast a rank to give heat formally! " of muscle of " of head certificate Shang Daxiu, debt bear annul double win, matthew effect is difficult already changeover, little ticket business seeks counterattack space additionally
A city of the ox that perform the first: 3 months turn over times 122, somebody already earn basin full earthen bowl is full! Benefit good secondary attack still is in continuously, shareholder whether enter rank " cake emperor "
With before bovine city differs greatly! La Choubai horse frequency achieves the history new tall! Restful market prise defeats Maotai -727379968, 4 days 67 innovation are tall, a go up a new the percentage of gold or silver in a coin
Fall as expected firewood! Appear on the market most probably shrink of fulfil of certificate business firewood, 5 fall exceed 20% ! Wide hair yearly salary of 4 tall canals exceeds ten million, monarch achieves the raises that go against city two into
Mad marijuana! Prohibit toxin appoint blow is invalid, industry is hempen lift harden tide, knit gunny-bag, of scamper fried dough twist, those who do the tuber of elevated gastrodia also go up greatly unexpectedly! 6 clarify
Tips: In certificate business China small signal page inputs negotiable securities code, abbreviation to be able to examine a prices and a newest announcement; Input fund code, abbreviation can examine fund net value.
