The "joint suspension of loan" incident of the owner of the bad tail building is fermented, and 15 banks have responded

Yangcheng Evening News reporter Dai Manman reports: Recently, the "joint suspension of loan" incident in many places in many places was fermented. On the 14th, as of press time, 15 banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, Construction Bank, and Industrial Bank issued an announcement to respond to the impact of the risk exposure of individual real estate enterprises and the extension of housing development projects on bank operations. All banks have stated that the scale of risk business is small and the overall risks are controllable, and it will actively cooperate with local governments to promote the "insurance delivery building".

Industrial and Commercial Bank of China said that recently, some real estate development enterprises have been exposed, and the development of individual real estate development projects has been extended. After investigation, the current suspension of the project involves a non -performing loan balance of 637 million yuan, accounting for 0.01%of the mortgage loan balance of the Industrial and Commercial Bank of China. Risk controlled.

Agricultural Bank stated that it has established a coordination mechanism at the head office level, and conducts investigations of the "insured property" of housing projects at the entire system organization. As of the end of June, the balance of personal housing loans of the entire bank was 5.34 trillion yuan. Among them, there are 57,000 cooperation in the first -hand building, and the balance of mortgage loans of first -hand buildings is 3.97 trillion yuan. Real estate, which has preliminarily determined that the risk of "guarantee of the property" involves the balance of overdue mortgage loans, accounting for 0.012%of the entire mortgage loan balance, and 0.017%of the balance of one -handed mortgage loan. At present, the business scale involving the risk of "insurance delivery" is small and the overall risk is controllable.

According to the Bank of Communications announcement, as of the end of June, the balance of mortgage loans in domestic houses was nearly 1.5 trillion yuan, and the quality of assets was stable. After preliminary investigations, the balance of overdue housing mortgage loans involved in the risk in media reports was 99.8 million yuan, accounting for 0.0067%of the company's domestic housing mortgage loan balance, the scale and accounted for relatively small, and the risks were controllable.

Industrial Bank said that the company recently launched a investigation into the real estate involved in the news of the "suspension of loan". After investigation, as of now, the company has involved the balance of mortgage loans related to the "suspension of loans" of 1.6 billion yuan (of which the balance of non -performing loans was 75 million yuan), and the mortgage amount that had stopped repayment was 384 million yuan, which was mainly concentrated in Henan. The overall scale of mortgage loans that have been involved in the company and the risk of rotten risks is small, which will not have a significant impact on the operation.

The Construction Bank stated that the current suspension of construction and the failure to deliver the real estate in some areas involved the small scale and the overall risk of the Bank.

According to Bank of China, since this year, the real estate financing of Bank of China has been stable and orderly. During the epidemic period, it provides customers with a number of relief policies such as extended repayment of principal and interest. The quality of assets has remained stable, and the overall risk of personal housing loan business is controllable.

At the same time, many banks have stated that they will adhere to the positioning of "the house is used for living, not for speculation", strictly implement financial supervision requirements, and actively cooperate with local governments to do a good job of "keeping over the building, protecting people's livelihood, and stable stability" financial services. Maintain the steady and healthy development of the real estate market, and maintain the legitimate rights and interests of consumers in housing.

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