中信银行追债80亿元，60岁方合英直面地产不良考验

市场资讯05-06

来源：银瑞社　　过去一段时间，中信银行正在抓紧追债。　　房企龙光控股两次的重大事项公告，都与中信银行有关。　　先是3月19日，龙光控股称，其下属公司因融资合同纠纷被中信银行提起仲裁，请求涉及融资项下的本金余额约36.99亿元及相关利息、违约金。　　再到4月20日，龙光控股公告称，下属公司因融资合同纠纷，被中信银行深圳分行提起仲裁，请求涉及的融资本金余额约为43.65亿元及相应利息与违约金。...

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href=https://finance.sina.com.cn/money/bank/gsdt/2026-05-06/doc-inhwyiyc3319128.shtml><strong>市场资讯</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>来源：银瑞社\n　　过去一段时间，中信银行正在抓紧追债。\n　　房企龙光控股两次的重大事项公告，都与中信银行有关。\n　　先是3月19日，龙光控股称，其下属公司因融资合同纠纷被中信银行提起仲裁，请求涉及融资项下的本金余额约36.99亿元及相关利息、违约金。\n　　再到4月20日，龙光控股公告称，下属公司因融资合同纠纷，被中信银行深圳分行提起仲裁，请求涉及的融资本金余额约为43.65亿元及相应利息与违约金。...</p>\n\n<a 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Asian Low Volatility Equity Fund ASDM SGD"},"translate_title":"CITIC Bank's debt collection of 8 billion yuan, 60-year-old Fang Heying faces the test of bad real estate","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601998":1.5,"00998":1.5},"content_text":"来源：银瑞社\n　　过去一段时间，中信银行正在抓紧追债。\n　　房企龙光控股两次的重大事项公告，都与中信银行有关。\n　　先是3月19日，龙光控股称，其下属公司因融资合同纠纷被中信银行提起仲裁，请求涉及融资项下的本金余额约36.99亿元及相关利息、违约金。\n　　再到4月20日，龙光控股公告称，下属公司因融资合同纠纷，被中信银行深圳分行提起仲裁，请求涉及的融资本金余额约为43.65亿元及相应利息与违约金。\n　　两次追债金额，合计约80.64亿元。\n　　龙光控股深陷债务危机，目前正在全力推进债务重组，中信银行想要追回相关款项，前路依旧漫漫。\n　　对于中信银行而言，压降房地产不良贷款是重中之重。\n　　截至2025年末，中信银行公司不良贷款主要集中在房地产业、制造业、批发和零售业三个行业，不良贷款余额占公司不良贷款总额的58.79%。\n　　其中，中信银行房地产业不良贷款金额居于首位，且不良贷款金额、不良贷款率都在上涨。\n\n　　截至2025年底，该行房地业不良贷款金额达到79.55亿元，同比增长了26.35%，不良贷款率为2.67%，较上年提升了0.46个百分点，主要是受宏观经济环境、房地产市场转型等综合因素影响。\n　　中信银行方面强调，其高度重视房地产相关领域授信风险防范，前瞻主动加大化解处置力度，不良贷款变动情况处于预计和控制范围内。\n　　从不良贷款区域分布看，2025年，中信银行不良贷款主要集中在环渤海地区、长江三角洲和珠江三角洲及海峡西岸，以上地区不良贷款余额合计436.07亿元，占比64.88%。\n　　此次被追债的中信银行深圳分行，正是属于珠江三角洲及海峡西岸。2025年，该片区不良贷款余额超过百亿元。\n\n　　从整体来看，中信银行正在努力提升资产质量，压降不良贷款率。\n　　截至2025年末，该行不良贷款余额672.16亿元，比上年末增加7.31亿元，不良贷款率1.15%，比上年末下降0.01个百分点，拨备覆盖率203.61%，比上年末下降5.82个百分点。\n　　作为掌舵者，现年60岁的方合英十分重视风险管理。\n　　他在2025年报致辞提到，中信银行不良贷款率连续七年下降，拨备覆盖率五年提升32个百分点，历史包袱出清，增量风险可控，全面风险管理成功实现从“纠治期”“调理期”向“健体期”迈进。\n　　再看2026年一季度末的数据：中信银行不良贷款余额687.45亿元，较上年末增加15.29亿元，不良贷款率1.15%，与上年末持平，拨备覆盖率202.45%，较上年末下降1.16个百分点。\n　　2026年一季度单季不良贷款增量15.29亿元，超过2025年全年7.31亿元的新增规模。\n　　如此可见，迈入10万亿规模的中信银行，体量攀升的同时，更需严控不良反弹。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：曹睿潼","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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