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【駐京專電】工行姜建清:資產質量保持穩定房地產貸款風險可控 @ 2012-08-31T11: Back Hot News
Keyword:工行
Concept:利率市場化影響 , 上半年盈利3816億
內地推進利率市場化削弱內銀利差,工行行長楊凱生昨天在記者會上表示,人行6月份不對稱減息尚未體現在業績之中,但根據券商估算,內銀第二季度的淨利息收益率已開始按季倒退(建行、工行除外),民行、招行、重農行跌幅最高,分別下降30、18和14點子。下半年減息效應反映後,預計問題將更嚴重。
展望下半年,工行認為利率市場化改革加快進行,可能令存貸基准利差進一步收窄,限制銀行盈利增長,以及要求銀行進一步加強資產負債管理和提高產品、服務的價格管理能力。
「所以利率市場化除了對於存款人,對貸款人也有影響。進入下半年後,不少還在還貸中的市民開始盤算著是否在年底提前還貸。記者從各大商業銀行了解到,由於今年整體利率環境處於下行階段,預計年內可能還會降息,選擇提前還貸的人數並不是很多。 」位於常德路上的工行房貸業務員告訴記者。

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