招行副行长：对公贷款未来主要风险点仍然是在房地产信贷领域

澎湃新闻08-31 11:32

8月31日，招行副行长兼首席风险官徐明杰在该行2026年中期业绩交流会上表示，零售贷款质量是当前影响招行资产质量的主要因素。招行会进一步加强零售信贷资产质量的管控，力争零售信贷资产质量趋于稳定。　　6月末，招行零售贷款不良贷款余额428.32亿元，较上年末增加32.48亿元；不良贷款率1.16%，较上年末上升0.10个百分点。　　“尽管我们零售贷款的质量指标还是处在一个较优的水平，但是零售贷款质量...

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sector.","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DCMB":1.5,"NRO":1.5,"03968":1.5,"03143":0.6,"DCRE":1.5,"FREI":1.5},"content_text":"8月31日，招行副行长兼首席风险官徐明杰在该行2026年中期业绩交流会上表示，零售贷款质量是当前影响招行资产质量的主要因素。招行会进一步加强零售信贷资产质量的管控，力争零售信贷资产质量趋于稳定。　　6月末，招行零售贷款不良贷款余额428.32亿元，较上年末增加32.48亿元；不良贷款率1.16%，较上年末上升0.10个百分点。　　“尽管我们零售贷款的质量指标还是处在一个较优的水平，但是零售贷款质量承压也是客观事实，加之我们零售贷款占比比较高，相对而言我们的压力也会显得更大一些。”徐明杰表示。　　他表示，当前在经济结构转型、房地产市场调整的背景下，部分客户的还款能力和意愿还是受到一定影响，叠加消费信贷市场共债风险，我们判断零售贷款的风险存在上升的形势当中。招行也采取了更加积极的措施来管控零售贷款质量，一个是根据零售贷款的市场状况，及时调整了零售信贷的增长目标和发展策略，在考核和激励方面，更加注重控制不良生产和强化风险化解。　　对公贷款方面，6月末，招行的公司贷款不良额274.19亿元，较上年末减少12.03亿元；公司贷款不良率0.78%，较上年末下降0.11个百分点。　　徐明杰表示，对公贷款未来主要的风险点仍然是在房地产信贷领域，有信心保持房地产资产质量稳定。　　“展望2026年，随着国家出台一系列的政策，房地产市场也呈现探底企稳的态势，我们认为房地产行业的风险总体是在收敛的，虽然也不能绝对排除个别企业可能会因为资金回笼不及时导致一定的资金周转困难，但是我们认为总体上面确实还是趋于稳定，我们也有信心保持房地产资产质量的稳定。”徐明杰表示。　　截至2026年6月末，招行房地产不良贷款余额145.99亿元，比年初下降3.94亿元，不良贷款率4.47%, 比年初下降0.31个百分点。徐明杰表示：“我们的房地产不良贷款金额还是比较大，不良率也比较高。”他同时指出，虽然房地产市场逐步呈现止跌回稳的态势，但是区域和企业的分化依然还是比较突出，有些资质不佳的客户仍然存在风险暴露的可能性。　　针对房地产贷款的风险，徐明杰表示将主要采取以下措施，一是持续降低房地产贷款的占比。二是优化房地产贷款的结构。三是加强房地产贷款的管理，实质上是加强项目管理，回归项目本源，执行房地产贷款的封闭管理，严防资金挪用。四是积极化解潜在的不良贷款风险，加快不良贷款的处置力度，增强抵押，强化担保，一项目一策，加大风险化解的力度。最后是提高拨备，确保房地产贷款的风险底部是充足的。（文章来源：澎湃新闻）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"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 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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