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不良贷款两年飙升1.7倍

来源: 南方日报网络版     时间: 2019年05月23日 02:55:29
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龙虎和微信群大全平台直属招商最高㊖100返9♔诚招代理【微信QQ同步】860925559 腾讯分分彩,腾讯5分彩,腾讯10分彩,时时彩龙虎和,U米彩票代理,U米官网,U米平台注册,U米乐官网,U米娱乐官方网站。不良贷款两年飙升1.7倍

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(  早)(在)(2007年)(,杭)(州)(银)(行)(便)(启)(动)(上)(市)(计)(划)(,经)(过)(长)(达)(7年)(漫)(长)(的)(等)(待)(,杭)(州)(银)(行)(近)(期)(在)(证)(监)(会)(网)(站)(披)(露)(了)(其)(招)(股)(说)(明)(书)(。
  杭)(州)(银)(行)(前)(身)(为)(杭)(州)(城)(市)(合)(作)(银)(行)(,成)(立)(于)(1996年)(。从)(招)(股)(书)(来)(看)(,杭)(州)(银)(行)(相)(比)(于)(同)(在)(华)(东)(地)(区)(的)(两)(家)(拟)(上)(市)(城)(商)(行)(—上)(海)(银)(行)(和)(江)(苏)(银)(行)(,暂)(处)(弱)(势)(。最)(直)(观)(的)(是)(,该)(行)(的)(不)(良)(贷)(款)(连)(续)(3年)(出)(现)(上)(升)(的)(局)(面)(。根)(据)(其)(招)(股)(书)(,杭)(州)(银)(行)(2011-2013年)(的)(不)(良)(贷)(款)(余)(额)(分)(别)(为)(7.54亿)(元)(、14.82亿)(元)(和)(20.59亿)(元)(;不)(良)(贷)(款)(率)(分)(别)(为)(0.59%、0.97%和)(1.19%。
  此)(外)(,杭)(州)(银)(行)(的)(信)(贷)(资)(产)(存)(在)(行)(业)(、地)(区)(和)(客)(户)(集)(中)(度)(风)(险)(。在)(目)(前)(宏)(观)(经)(济)(下)(行)(的)(压)(力)(之)(下)(,杭)(州)(银)(行)(面)(临)(浙)(江)(省)(部)(分)(地)(区)(小)(企)(业)(破)(产)(倒)(闭)(导)(致)(不)(良)(贷)(款)(率)(上)(升)(的)(风)(险)(。
  杭)(州)(银)(行)(在)(招)(股)(书)(表)(示)(,主)(要)(经)(营)(区)(域)(位)(于)(浙)(江)(杭)(州)(及)(其)(周)(边)(地)(区)(,如)(果)(浙)(江)(地)(区)(经)(济)(情)(况)(持)(续)(恶)(化)(导)(致)(大)(量)(中)(、小)(企)(业)(因)(经)(营)(状)(况)(变)(差)(而)(出)(现)(偿)(债)(危)(机)(,则)(可)(能)(会)(导)(致)(杭)(州)(银)(行)(整)(体)(不)(良)(贷)(款)(增)(加)(、贷)(款)(损)(失)(准)(备)(不)(足)(,从)(而)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(重)(大)(不)(利)(影)(响)(。
  不)(良)(贷)(款)(率)(连)(年)(上)(升)(
  在)(已)(披)(露)(招)(股)(书)(的)(拟)(上)(市)(城)(商)(行)(中)(,杭)(州)(银)(行)(的)(不)(良)(贷)(款)(率)(最)(高)(。
  根)(据)(其)(招)(股)(书)(,截)(至)(2011年)(12月)(31日)(、2012年)(12月)(31日)(、2013年)(12月)(31日)(,杭)(州)(银)(行)(的)(不)(良)(贷)(款)(余)(额)(分)(别)(为)(7.54亿)(元)(、14.82亿)(元)(和)(20.59亿)(元)(,不)(良)(贷)(款)(率)(分)(别)(为)(0.59%、0.97%和)(1.19%。
  对)(此)(,杭)(州)(银)(行)(表)(示)(,由)(于)(报)(告)(期)(内)(区)(域)(宏)(观)(经)(济)(下)(行)(、风)(险)(管)(理)(的)(前)(瞻)(性)(不)(足)(、客)(户)(风)(险)(暴)(露)(对)(商)(业)(银)(行)(整)(体)(资)(产)(质)(量)(带)(来)(较)(大)(不)(利)(影)(响)(,以)(及)(浙)(江)(地)(区)(部)(分)(制)(造)(业)(企)(业)(开)(工)(不)(足)(、商)(贸)(企)(业)(过)(度)(投)(资)(、盈)(利)(能)(力)(和)(现)(金)(流)(下)(滑)(的)(整)(体)(影)(响)(,杭)(州)(银)(行)(的)(不)(良)(贷)(款)(余)(额)(和)(不)(良)(贷)(款)(率)(在)(报)(告)(期)(内)(有)(所)(上)(升)(,未)(来)(杭)(州)(银)(行)(的)(不)(良)(贷)(款)(余)(额)(及)(不)(良)(贷)(款)(率)(可)(能)(会)(由)(于)(贷)(款)(组)(合)(的)(质)(量)(下)(降)(而)(进)(一)(步)(上)(升)(。若)(杭)(州)(银)(行)(不)(良)(贷)(款)(率)(进)(一)(步)(上)(升)(,可)(能)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(重)(大)(不)(利)(影)(响)(。
  在)(不)(良)(贷)(款)(率)(逐)(年)(上)(升)(的)(同)(时)(,杭)(州)(银)(行)(还)(面)(临)(着)(贷)(款)(损)(失)(准)(备)(可)(能)(不)(足)(以)(弥)(补)(贷)(款)(组)(合)(的)(实)(际)(损)(失)(的)(风)(险)(。截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(的)(贷)(款)(损)(失)(准)(备)(为)(43.75亿)(元)(,拨)(备)(覆)(盖)(率)(为)(212.48%,贷)(款)(拨)(备)(率)(为)(2.52%。
  杭)(州)(银)(行)(披)(露)(的)(数)(据)(显)(示)(,该)(行)(资)(本)(充)(足)(率)(2013年)(出)(现)(下)(降)(。2013年)(末)(,杭)(州)(银)(行)(资)(本)(充)(足)(率)(为)(11.58%,较)(2012年)(末)(下)(降)(0.88个)(百)(分)(点)(;核)(心)(资)(本)(充)(足)(率)(为)(9.42%,较)(上)(一)(年)(下)(降)(0.1个)(百)(分)(点)(。
  外)(界)(认)(为)(,在)(资)(本)(充)(足)(率)(下)(降)(的)(同)(时)(,杭)(州)(银)(行)(发)(行)(同)(业)(存)(单)(和)(债)(券)(实)(为)(“补)(血)(”。
  今)(年)(5月)(,杭)(州)(银)(行)(发)(行)(40亿)(元)(二)(级)(资)(本)(债)(券)(,所)(募)(资)(金)(全)(部)(用)(于)(补)(充)(杭)(州)(银)(行)(的)(二)(级)(资)(本)(,提)(高)(资)(本)(充)(足)(率)(。7月)(,杭)(州)(银)(行)(发)(行)(总)(额)(为)(10亿)(元)(的)(首)(期)(同)(业)(存)(单)(,期)(限)(为)(3个)(月)(,票)(面)(利)(率)(为)(4.58%。杭)(州)(银)(行)(表)(示)(,此)(次)(发)(行)(同)(业)(存)(单)(,有)(利)(于)(该)(行)(提)(高)(主)(动)(负)(债)(和)(流)(动)(性)(的)(管)(理)(能)(力)(。根)(据)(招)(股)(书)(,杭)(州)(银)(行)(本)(次)(拟)(发)(行)(的)(6亿)(股)(也)(将)(全)(部)(用)(于)(补)(充)(资)(本)(金)(。
  值)(得)(注)(意)(的)(是)(,杭)(州)(银)(行)(收)(入)(结)(构)(较)(为)(单)(一)(,主)(要)(来)(自)(利)(息)(净)(收)(入)(。招)(股)(书)(显)(示)(,2011年)(、2012年)(、2013年)(利)(息)(净)(收)(入)(分)(别)(占)(营)(业)(收)(入)(的)(89.5%、90.3%和)(93.7%。杭)(州)(银)(行)(的)(非)(利)(息)(收)(入)(主)(要)(来)(自)(杭)(州)(银)(行)(的)(手)(续)(费)(及)(佣)(金)(净)(收)(入)(和)(投)(资)(收)(益)(。由)(于)(受)(到)(杭)(州)(银)(行)(规)(模)(较)(小)(、经)(营)(范)(围)(有)(限)(等)(各)(种)(因)(素)(影)(响)(,杭)(州)(银)(行)(增)(加)(非)(利)(息)(收)(入)(的)(能)(力)(有)(待)(提)(高)(。因)(此)(,杭)(州)(银)(行)(的)(经)(营)(业)(绩)(在)(一)(定)(时)(期)(内)(可)(能)(会)(继)(续)(主)(要)(依)(赖)(利)(息)(净)(收)(入)(。
  贷)(款)(集)(中)(度)(高)(
  杭)(州)(银)(行)(信)(贷)(资)(产)(存)(在)(行)(业)(、地)(区)(和)(客)(户)(集)(中)(度)(风)(险)(。
  杭)(州)(银)(行)(贷)(款)(主)(要)(投)(放)(于)(制)(造)(业)(;批)(发)(和)(零)(售)(业)(;租)(赁)(和)(商)(务)(服)(务)(业)(;水)(利)(、环)(境)(和)(公)(共)(设)(施)(管)(理)(业)(;房)(地)(产)(业)(等)(。截)(至)(2011年)(12月)(31日)(、2012年)(12月)(31日)(、2013年)(12月)(31日)(,杭)(州)(银)(行)(于)(上)(述)(五)(个)(行)(业)(的)(贷)(款)(余)(额)(占)(杭)(州)(银)(行)(公)(司)(贷)(款)(余)(额)(的)(比)(例)(分)(别)(为)(78.5%、77.5%和)(75.7%。
  尽)(管)(比)(例)(有)(所)(下)(降)(,但)(若)(杭)(州)(银)(行)(贷)(款)(较)(为)(集)(中)(的)(任)(一)(行)(业)(出)(现)(较)(大)(衰)(退)(,均)(可)(能)(导)(致)(杭)(州)(银)(行)(不)(良)(贷)(款)(大)(幅)(增)(加)(,也)(可)(能)(会)(对)(杭)(州)(银)(行)(向)(这)(些)(行)(业)(新)(发)(放)(的)(贷)(款)(或)(对)(其)(现)(有)(贷)(款)(续)(贷)(产)(生)(负)(面)(影)(响)(,从)(而)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、财)(务)(状)(况)(和)(经)(营)(业)(绩)(产)(生)(重)(大)(不)(利)(影)(响)(。
  杭)(州)(银)(行)(房)(地)(产)(相)(关)(贷)(款)(包)(括)(向)(房)(地)(产)(业)(客)(户)(提)(供)(的)(公)(司)(贷)(款)(以)(及)(个)(人)(住)(房)(贷)(款)(,该)(等)(贷)(款)(面)(临)(宏)(观)(经)(济)(调)(控)(、房)(地)(产)(市)(场)(供)(需)(关)(系)(变)(化)(、市)(场)(价)(格)(波)(动)(等)(多)(种)(风)(险)(。
  截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(的)(房)(地)(产)(业)(公)(司)(贷)(款)(余)(额)(为)(91.43亿)(元)(,占)(杭)(州)(银)(行)(公)(司)(贷)(款)(的)(7.5%,不)(良)(贷)(款)(率)(为)(0.21%;杭)(州)(银)(行)(的)(个)(人)(住)(房)(贷)(款)(余)(额)(为)(158.65亿)(元)(,占)(杭)(州)(银)(行)(个)(人)(贷)(款)(的)(30.5%,不)(良)(贷)(款)(率)(为)(0.10%。杭)(州)(银)(行)(对)(房)(地)(产)(业)(提)(供)(的)(公)(司)(贷)(款)(和)(个)(人)(住)(房)(贷)(款)(合)(计)(250.07亿)(元)(,占)(杭)(州)(银)(行)(贷)(款)(余)(额)(的)(14.4%。
  如)(果)(未)(来)(我)(国)(宏)(观)(经)(济)(形)(势)(、国)(家)(相)(关)(法)(律)(、法)(规)(、政)(策)(发)(生)(变)(动)(或)(者)(因)(其)(他)(因)(素)(造)(成)(房)(地)(产)(市)(场)(出)(现)(长)(期)(性)(和)(极)(端)(性)(调)(整)(或)(变)(化)(,或)(者)(杭)(州)(银)(行)(在)(房)(地)(产)(信)(贷)(管)(理)(方)(面)(出)(现)(问)(题)(,均)(有)(可)(能)(对)(杭)(州)(银)(行)(房)(地)(产)(相)(关)(贷)(款)(的)(质)(量)(以)(及)(相)(关)(贷)(款)(未)(来)(的)(增)(长)(速)(度)(产)(生)(不)(利)(影)(响)(,进)(而)(对)(杭)(州)(银)(行)(的)(经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(不)(利)(影)(响)(。
  在)(贷)(款)(业)(务)(地)(区)(分)(布)(方)(面)(,截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(贷)(款)(75.8%投)(放)(在)(浙)(江)(省)(,其)(余)(部)(分)(投)(放)(在)(中)(国)(其)(他)(地)(区)(。其)(中)(,浙)(江)(省)(的)(贷)(款)(主)(要)(投)(放)(于)(杭)(州)(市)(,杭)(州)(市)(的)(贷)(款)(占)(杭)(州)(银)(行)(贷)(款)(余)(额)(为)(61.9%。如)(果)(上)(述)(地)(区)(出)(现)(较)(大)(规)(模)(的)(经)(济)(衰)(退)(,杭)(州)(银)(行)(财)(务)(状)(况)(和)(经)(营)(成)(果)(将)(受)(到)(不)(利)(影)(响)(。
  截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(向)(最)(大)(十)(家)(贷)(款)(客)(户)(发)(放)(的)(贷)(款)(余)(额)(为)(52.16亿)(元)(,占)(全)(部)(贷)(款)(的)(3.0%,占)(杭)(州)(银)(行)(资)(本)(净)(额)(的)(21.0%。如)(果)(杭)(州)(银)(行)(最)(大)(十)(家)(贷)(款)(客)(户)(的)(贷)(款)(质)(量)(恶)(化)(,可)(能)(会)(导)(致)(不)(良)(贷)(款)(增)(加)(,从)(而)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(不)(利)(影)(响)(。
  中)(、小)(企)(业)(贷)(款)(风)(险)(
  人)(民)(银)(行)(、中)(国)(银)(监)(会)(、中)(国)(保)(监)(会)(及)(中)(国)(证)(监)(会)(于)(2009年)(12月)(22日)(发)(布)(《关)(于)(进)(一)(步)(做)(好)(金)(融)(服)(务)(支)(持)(重)(点)(产)(业)(调)(整)(振)(兴)(和)(抑)(制)(部)(分)(行)(业)(产)(能)(过)(剩)(的)(指)(导)(意)(见)(》,要)(求)(商)(业)(银)(行)(积)(极)(配)(合)(国)(家)(产)(业)(整)(合)(和)(金)(融)(调)(控)(要)(求)(,禁)(止)(对)(国)(家)(已)(经)(明)(确)(为)(严)(重)(产)(能)(过)(剩)(的)(产)(业)(中)(的)(企)(业)(和)(项)(目)(盲)(目)(发)(放)(贷)(款)(,主)(要)(涉)(及)(的)(行)(业)(包)(括)(钢)(铁)(、水)(泥)(、平)(板)(玻)(璃)(、煤)(化)(工)(及)(多)(晶)(硅)(、风)(电)(设)(备)(、造)(船)(等)(行)(业)(。
  截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(在)(上)(述)(七)(大)(行)(业)(的)(贷)(款)(余)(额)(为)(7.25亿)(元)(,其)(中)(不)(良)(贷)(款)(余)(额)(0.18亿)(元)(。倘)(若)(上)(述)(行)(业)(产)(能)(过)(剩)(的)(情)(况)(持)(续)(不)(能)(得)(到)(缓)(解)(,国)(家)(将)(可)(能)(加)(大)(宏)(观)(调)(控)(力)(度)(,从)(而)(导)(致)(部)(分)(借)(款)(人)(经)(营)(环)(境)(出)(现)(恶)(化)(,影)(响)(其)(偿)(债)(能)(力)(,对)(杭)(州)(银)(行)(的)(财)(务)(状)(况)(和)(经)(营)(业)(绩)(产)(生)(不)(利)(影)(响)(。
  根)(据)(杭)(州)(银)(行)(对)(中)(、小)(企)(业)(的)(分)(类)(标)(准)(而)(进)(行)(的)(统)(计)(,截)(至)(2013年)(12月)(31日)(,杭)(州)(银)(行)(拥)(有)(中)(型)(公)(司)(贷)(款)(客)(户)(2600户)(,小)(企)(业)(贷)(款)(客)(户)(27266户)(,中)(、小)(企)(业)(贷)(款)(余)(额)(为)(903.66亿)(元)(,占)(杭)(州)(银)(行)(贷)(款)(余)(额)(的)(52.0%。
  相)(对)(于)(大)(型)(企)(业)(而)(言)(,中)(、小)(企)(业)(的)(规)(模)(较)(小)(、生)(命)(周)(期)(较)(短)(、抗)(风)(险)(能)(力)(较)(低)(,一)(般)(更)(易)(受)(到)(经)(济)(放)(缓)(、宏)(观)(经)(济)(产)(业)(政)(策)(调)(整)(、国)(际)(贸)(易)(壁)(垒)(、流)(动)(资)(金)(缺)(乏)(、营)(业)(费)(用)(和)(成)(本)(上)(升)(、人)(民)(币)(升)(值)(以)(及)(自)(然)(灾)(害)(等)(因)(素)(的)(不)(利)(影)(响)(,如)(果)(经)(济)(周)(期)(、国)(家)(政)(策)(或)(市)(场)(因)(素)(等)(发)(生)(变)(化)(,导)(致)(中)(、小)(企)(业)(因)(经)(营)(状)(况)(恶)(化)(而)(出)(现)(偿)(债)(危)(机)(,或)(者)(杭)(州)(银)(行)(对)(中)(、小)(企)(业)(借)(款)(人)(的)(信)(用)(风)(险)(作)(出)(不)(准)(确)(的)(评)(估)(,可)(能)(会)(导)(致)(不)(良)(贷)(款)(增)(加)(、贷)(款)(损)(失)(准)(备)(不)(足)(,从)(而)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(重)(大)(不)(利)(影)(响)(。
  因)(此)(,杭)(州)(银)(行)(也)(面)(临)(浙)(江)(省)(部)(分)(地)(区)(小)(企)(业)(破)(产)(倒)(闭)(导)(致)(不)(良)(贷)(款)(率)(上)(升)(的)(风)(险)(。
  2011年)(下)(半)(年)(以)(来)(,浙)(江)(省)(温)(州)(市)(出)(现)(小)(企)(业)(破)(产)(倒)(闭)(、企)(业)(主)(外)(逃)(、企)(业)(互)(保)(危)(机)(等)(事)(件)(,对)(各)(商)(业)(银)(行)(在)(温)(州)(市)(的)(贷)(款)(带)(来)(风)(险)(隐)(患)(。受)(宏)(观)(经)(济)(增)(速)(下)(滑)(及)(“联)(保)(联)(贷)(”的)(贷)(款)(模)(式)(的)(延)(伸)(影)(响)(,温)(州)(市)(小)(企)(业)(破)(产)(倒)(闭)(风)(潮)(逐)(渐)(向)(宁)(波)(、嘉)(兴)(、绍)(兴)(、杭)(州)(等)(浙)(江)(省)(其)(他)(地)(区)(蔓)(延)(,很)(多)(小)(企)(业)(的)(现)(金)(流)(及)(偿)(债)(压)(力)(加)(大)(,对)(浙)(江)(省)(内)(商)(业)(银)(行)(的)(资)(产)(质)(量)(带)(来)(压)(力)(。
  杭)(州)(银)(行)(主)(要)(经)(营)(区)(域)(位)(于)(浙)(江)(杭)(州)(及)(其)(周)(边)(地)(区)(,如)(果)(浙)(江)(地)(区)(经)(济)(情)(况)(持)(续)(恶)(化)(导)(致)(大)(量)(中)(、小)(企)(业)(因)(经)(营)(状)(况)(变)(差)(而)(出)(现)(偿)(债)(危)(机)(,则)(可)(能)(会)(导)(致)(杭)(州)(银)(行)(整)(体)(不)(良)(贷)(款)(增)(加)(、贷)(款)(损)(失)(准)(备)(不)(足)(,从)(而)(对)(杭)(州)(银)(行)(的)(资)(产)(质)(量)(、经)(营)(业)(绩)(和)(财)(务)(状)(况)(产)(生)(重)(大)(不)(利)(影)(响)(。
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