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银监会:合理控制房地产融资业务增速

2017-04-24 11:11:39   经济参考报

一季度住房按揭贷款增量占比下降

银监会:合理控制房地产融资业务增速

近日,银监会召开一季度经济金融形势分析(电视电话)会,会议指出,今年以来,一季度国内生产总值增长6.9%,金融运行总体保持平稳,银行业延续良好运行态势。值得一提的是,一季度住房按揭贷款增量占比为26.2%,比去年全年下降13个百分点。

事实上,去年全年,个人住房按揭贷款增量占比一直过高,曾引发市场对于房地产金融风险担忧。此次,对于备受关注的房地产领域,银监会要求牢牢把握住房的居住属性,支持居民自住和进城人员购房需求。合理控制房地产融资业务增速,有效防范集中度风险,严禁银行资金违规流入房地产领域。

此外,会议还提出,当前我国银行业各类风险传染共生的特征更加突出,传统领域信用违约与流动性风险叠加共振,非传统领域风险可能波及多个市场和环节,部分重点风险涉及面广、影响大,外部冲击风险极易向银行体系传导,金融乱象与案件风险暴露相互交织,总体风险形势仍然复杂严峻。银监会要求主动防控金融风险,坚决按照“把防控金融风险放到更加重要的位置”的总体要求,严守不发生系统性风险底线,加强信用风险管控,切实摸清风险底数,客观反映不良贷款状况,坚决纠正掩盖不良贷款的行为。

对于同业和理财业务,此次公布的银行业一季度数据显示,同业和理财业务增速放缓,3月末,银行业金融机构境内同业资产和同业负债余额分别为21.7万亿元和30.3万亿元,比年初分别下降1.4万亿元和1.9万亿元,同比增速分别为-2.2%和12.6%。银行理财产品余额29.1万亿元,比年初增加958亿元,同比增长18.6%,增速比去年同期大幅下降34.8个百分点。理财资金投向非标准化债权类资产的余额4.93万亿元,占全部理财资金的比重为15.4%,比2013年高峰时期大幅下降20.6个百分点。

对于一季度商业银行经营状况,据初步统计,一季度商业银行累计实现净利润4933亿元,同比增长4.6%。不良贷款增速放缓;3月末,不良贷款余额1.58万亿元,比年初增加673亿元,同比少增504亿元。不良贷款率为1.74%,比去年同期下降0.01个百分点。商业银行损失抵补能力比较充足,3月末,贷款损失准备金余额2.8万亿元,拨备覆盖率178.8%。记者 刘丽

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