路透北京4月19日电---中国商业银行的房地产贷款,包括了个人住房按揭贷款以及房地产开发贷款.其中个人住房贷款一直被视为中资银行的优质资产,是近年来银行个人信贷业务的重点. 近日国务院连环出台房地产调控政策,包括调高"二套房"按揭的首付比例和利率水平,以及房价过高地区可暂停发放第三套及以上住房贷款,显然提高了房地产贷款的门槛. 这些打击投机性购房的房地产新政,将影响中国房地产的成交量及成交价格,甚至波及房地产商偿还银行贷款的能力. 以下是路透为您整理的中资银行商业性房地产贷款的占比情况.数据来自工商银行、建设银行 、中国银行、交通银行、招商银行、中信银行等14家中国A股上市银行年报. ================================================================================ 2007-2009 中资上市银行商业性房地产贷款占比 2007 2008 1H09 2009 2007 2008 1H09 2009 2007 2008 1H09 2009 住房按揭贷款 房地产开发贷款 商业性房地产贷款合计 工行 13.4% 13.4% 13.1% 15.3% 7.5% 7.5% 7.3% 7.4% 20.9% 20.9% 20.3% 22.6% 建行 16.6% 16.2% 16.1% 18.0% 9.7% 8.7% 7.9% 7.4% 26.3% 24.9% 24.0% 25.5% 中行 20.3% 19.3% 17.1% 18.5% 8.7% 8.2% 7.9% 7.5% 28.9% 27.5% 25.0% 26.0% 交行 12.6% 11.4% 10.1% 12.2% 7.1% 6.7% 6.8% 7.0% 19.7% 18.1% 16.9% 19.3% 招行 19.5% 17.8% 17.6% 23.4% 6.4% 5.7% 5.1% 6.1% 25.9% 23.5% 22.7% 29.4% 民生 16.1% 13.3% 10.3% -- 12.8% 13.7% 10.5% -- 29.0% 27.0% 20.8% -- 中信 10.6% 10.1% 12.1% -- 7.3% 6.4% 8.2% -- 17.9% 16.5% 20.3% -- 浦发 14.8% 13.6% 17.7% 15.0% 10.7% 9.2% 10.4% 8.7% 25.5% 22.8% 28.1% 23.7% 兴业 27.5% 22.5% 14.7% 21.3% 14.0% 11.8% 5.0% 9.4% 41.6% 34.3% 19.7% 30.6% 深发展 18.8% 15.7% 5.2% 23.9% 6.5% 5.6% 6.9% 6.5% 25.3% 21.3% 12.1% 30.3% 华夏 8.4% 6.8% 7.7% 6.5% 11.4% 6.5% 4.2% 7.8% 19.8% 13.3% 11.8% 14.3% 北京 7.8% 7.3% 6.4% -- 14.3% 11.6% 12.4% -- 22.0% 18.9% 18.8% -- 宁波 28.6% 17.7% -- 17.6% 4.5% 5.3% 6.8% 8.9% 33.1% 22.9% 24.5% 26.5% 南京 11.4% 7.8% 6.5% 8.1% 7.4% 8.5% 7.6% 9.5% 18.8% 16.2% 14.0% 17.6% =============================================================================== |
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