涿鹿| 五河| 赤城| 铁岭县| 图们| 开封县| 麦盖提| 吉木萨尔| 上虞| 内黄| 承德市| 鄂尔多斯| 延庆| 伊宁市| 介休| 郫县| 略阳| 青河| 三水| 礼泉| 阆中| 绥化| 双辽| 遂川| 建平| 晋州| 长武| 克山| 贵定| 太白| 西峰| 米林| 嘉荫| 将乐| 福泉| 米脂| 马尔康| 应城| 息烽| 夏津| 武安| 太谷| 蓝田| 东阿| 綦江| 海淀| 织金| 金沙| 围场| 筠连| 高邮| 五华| 海盐| 新余| 梅里斯| 大姚| 石家庄| 城口| 东西湖| 荣县| 上海| 曲靖| 吐鲁番| 北辰| 霍邱| 本溪满族自治县| 宁县| 汾西| 香格里拉| 西峡| 黑山| 布尔津| 阳高| 哈尔滨| 惠来| 绵阳| 元谋| 东西湖| 琼结| 元氏| 东沙岛| 南皮| 文县| 新化| 兴化| 十堰| 南城| 嘉义市| 莒南| 黄梅| 珠穆朗玛峰| 朗县| 洪雅| 武平| 隆子| 宜兰| 虎林| 武都| 金秀| 延津| 建湖| 五指山| 开江| 玛沁| 湾里| 伊金霍洛旗| 瑞安| 嵩县| 乌苏| 泰来| 伊通| 龙海| 郏县| 定襄| 凤城| 义马| 精河| 景德镇| 尼勒克| 曲水| 洪泽| 桐梓| 当涂| 平鲁| 永新| 沙圪堵| 永城| 福泉| 和田| 固原| 东阿| 工布江达| 宁都| 南康| 蒙自| 沛县| 岷县| 陆河| 陈巴尔虎旗| 阜城| 武昌| 克拉玛依| 鄂尔多斯| 乌拉特后旗| 万州| 黄平| 宿州| 改则| 山阳| 东海| 洛阳| 四平| 乌兰浩特| 杜尔伯特| 沁阳| 万盛| 芮城| 塔城| 嵊泗| 上犹| 米易| 个旧| 朝阳市| 崇左| 普陀| 金溪| 渝北| 宁化| 德化| 邵武| 将乐| 藤县| 彰武| 防城区| 乃东| 西丰| 自贡| 金州| 霍邱| 巩留| 崇明| 安达| 贺兰| 德钦| 磁县| 修水| 青冈| 霍山| 巴青| 台北县| 梅里斯| 崇阳| 台湾| 丰镇| 汕头| 保康| 金华| 舞钢| 大渡口| 绿春| 北川| 德阳| 佛山| 建始| 丹阳| 岳池| 宜宾县| 炎陵| 天水| 黄陂| 图木舒克| 鲅鱼圈| 吴川| 揭东| 宣城| 梨树| 永安| 开江| 武胜| 阜新市| 明光| 兴县| 张家界| 侯马| 灵寿| 南丹| 玛曲| 微山| 三河| 渠县| 麦盖提| 息烽| 青白江| 宁河| 河池| 张家口| 山东| 古交| 铜陵县| 揭西| 思南| 高港| 清远| 宣恩| 抚州| 南华| 漾濞| 阿拉善左旗| 同安| 丹徒| 宾阳| 慈溪| 宝山| 凤城| 察布查尔| 池州| 枝江| 昭觉| 甘棠镇| 麟游| 成武| 疏附| 三都|

西安上榜全国十大数字阅读城市 人均每月读4.92本

2019-08-21 22:50 来源:新闻在线

  西安上榜全国十大数字阅读城市 人均每月读4.92本

  ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)TheMatryoshkaPiazzainManchuria,NorthChinasInnerMongoliaautonomousregion,June5,2018.()A30-meter-tallmatryoshkadoll,deemedthelargestofitskindworldwide,hasbecomeamajorattractioninManchuria,China,anditissurroundedby30exquisiteEastereggtryosh,NorthChinasInnerMongoliaautonomousregion,June5,2018.()TheMatryoshkaPiazzainManchuria,NorthChinasInnerMongoliaautonomousregion,June5,2018.()TheMatryoshkaPiazzainManchuria,NorthChinasInnerMongoliaautonomousregion,June5,2018.()TheMatryoshkaPiazzainManchuria,NorthChinasInnerMongoliaautonomousregion,June5,2018.()TheMatryoshkaPiazzainManchuria,NorthChinasInnerMongoliaautonomousregion,June5,2018.()

目前已和国内工商银行、农业银行建设银行、招商银行、上海浦发银行等各大商业银行以及中国邮政、VISA国际组织等各大机构建立了战略合作,成为金融机构在网上支付领域极为信任的合作伙伴,支付宝现已有超过1亿的会员用户。OneofthesurvivorsofthetragicplanecrashinCubadiedMondayafternoonduetocomplications,,a23-year-oldcollegestudent,passedawayfollowingseriousneurologicaltraumas,saidCuba,LandrovewashospitalizedattheintensivecareunitofHavanasCalixtoGarciaHospital."Atthemomentofherdeath,GrettelLandrovewasinextremecriticalcondition,whichwasntpossibletorevertdespitetheeffortofthemultidisciplinarymedicalteaminchargeofher,",CarlosAlbertoMartinez,headofthemedicalteam,saidLandrovesprognosiswasunfavorablebecauseshehadtobeoperatedforaninjuryinsidethebraintissue,MailenDiaz,19,andEmileySanchez,39,,,leasedbyCubanadeAviacionfromoftheMexicancompanyDamojh,crashedFridayshortlyaftertakeofffromJoseMartiInternationalAirportinHavanawith113peopleonboard.  

  目前已和国内工商银行、农业银行建设银行、招商银行、上海浦发银行等各大商业银行以及中国邮政、VISA国际组织等各大机构建立了战略合作,成为金融机构在网上支付领域极为信任的合作伙伴,支付宝现已有超过1亿的会员用户。在中国银联与各家商业银行共同努力下,我国银行卡的联网通用不断深化,银联网络不仅在东部地区和大中城市日益普及,更进一步加速向中西部地区、中小城市和广大农村地区延伸。

  HealthyeconomictiesbetweentwonationsbeneficialforglobaloutlookTheconsensusthattherewillbe"notradewar"—reachedduringthelatestroundoftradetalksbetweentheworldstoptwoeconomies—meansalot,,butalsofortheglobaleconomyasawhole,,PresidentXiJinpingsspecialenvoy,had"positive,pragmatic,constructiveandfruitful",sthattherewillbenotradewarandbothsideswillstopplacingtariffsononeanother,fthetwocountriesandisintheinterestsofthepeoplefrombothcountriesandtheworld,,Liusaid,addingthatthetwocountriesshouldproperlyhan,Illinois,,Sept29,2017.[Photo/VCG]WeiJianguo,formervice-ministerofcommerce,saidthecollaborationbetweenBeijingandWashingtonwillbeconducivetoconsumersandbusinessesofthetwocountriesanditwillhelpfueltheworldeconomy,astheworld,,,,"meaningfulincreases"setradeinmanufacturedgoodsandservices,,Liusaidthetwosideshavealreadyestablishedsomeworkinggroups,includingtheagriculturalgroup.""tohavedeeperdiscussionsandtrytomakeconcretedeals,,LiusaidChinaisreadytobuygoodsfromtheUnitedStatesandtherestoftheworld,answeringXi,withitshugemiddle-incomepopulation,willbecometheworld,sonationseyeingformarketsharehavetoimprovetheirproductsandservicessothattheChineseconsumerswouldliketobuythem,ration,ratherthanunilateraltradeaction,istherightpathforwardtoaddresseconomicandtradedisputes,,chiefstrategistatCindaSecurities,saidcollaborationandcooperationratherthanconfthoseintheAsia-Pacificregionandaroundtheworld,,ChinaeconomistatANZGroup,saidthetradetalkshelpedreverseglobalpessimismaboutanescalationofalarge-scaletradewaranditwillreduceexternaluncert,founderandpresidentoftheCenterforChinaandGlobalization,saidtheresolutionsreachedduringthisroundoftradetalksbodewellforfurtherimprovementoftherelationsbetweenthetwocountries."Ithaslaidasolidfoundationfortheresolutionofanyproblemsthatmayariseinbilateraltraderelationsinthefuture,"Wangsaid."Thissoundspositimsuretherewillbefurtherdiscussionstofinalizethedetails,"saidRickKimberley,,suchasagriculturalproductsandenergy,,,haiinNovemberisamajormoveinthatregard.  Foreignfinancingviabonds,andREITs,expandcapitalinflowsintopropertyOverseasfinancingofChineserealestatecompaniessurged107percentyear-on-yeartoreach$,industryinsiderssaid,showsagrowingforeigninterestinChineserealestatedevelopersaswellaslocalplayers,,partofwhichwasraisedthroughbondssoldtoforeigninvestors,ZhangDawei,chiefanalystofpropertyconsultancyCentaline,,financefrombanksandtrusts,overseasbondissuancebecameapopularoptionforcompanieslookingforshort-termfinancing,,PolyRealEstateGroupissuedthree-yearmedium-termnotesusedforthepropertyrentalbusiness;CifiHoldingsGroupissuedseniornotesvaluedat$500millionthatwillexpirein2021,;($236million):landtoreduceproportionofdividends,,thereismorepolicysupportnowforpropertyassetsecuritization,,theMinistryofHousingandUrban-RuralDevelopmentandtheChinaSecuritiesRegulatoryCommissionreleasedadocumenttoencouragedeveloperstoraisefundsfortherentalbusinessthroughrealestateinvestmenttrustsorREITs,,improveefficiencyofcapitalandpromotedevelopmentoftherentalmarket,,aREITcanletshareholdersenjoythereturnsfromrentalincome."REITsfeaturestrongeranti-inflationcapabilitysincerealestatehasproveditselftobeastableassetamidthefluctuationsofmarket,"saidaninvestmentadvisersurnamedLifromaShanghai-basedrealestateinvestmentcompany."Therelativelyhigherrateofreturn-about6to7percent-andlowerriskcanhelpordinarypeopletootoenjoytheprofitfrompropertyindustrysdevelopment."Besides,,itcanencouragemoreinvestmentfrombankstoserverealeconomy,suchasadvancedmanufacturingindustry,Lisaid."Debtratiocanreach70to80percentinsomelistedpropertycompanies,andREITscanhelpmaintaintheircashflowbypayinginvestorsbonuswithacontinuousincomefromrental."ThoughREITshavebeenwidelyusedinsomedevelopedmarketssuchastheUnitedStatesandSingaporesincethe1960s,,over37countriesandregionshaveputforwardREITsproductsworldwide,whosescalereachedover$2trillionin2017,d  

,ChineseMinistryofForeignAffairs(MOFA),MOFAadded."JustasVicePremierLiuHesaid…thebiggestoutcomeandconsensusreachedbythetwosideswasthatbothrealizedbilateraltradeissuesmustberesolvedthroughnegotiationstoavoidthemutualtariffsimposedagainsteachother,"saidMOFAspokesmanLuKang."Overthepast40years,thefundamentalreasonwhybothsidescanmanagetheirdisputesandpromotethecontinuousdevelopmentofbilateraleconomicandtraderelations,isthatitisinthecommoninterestofthetwocountriesandthetwopeoples,",  

  支付宝直接付款流程:进入订单页面选择支付宝付款点击去支付宝付款选择直接付款选择支付银行并输入Email输入银行卡信息确认完成。

  AstagephotoofSilkRoad,FlowerRain.()AstheSilkRoadweaveditswaythroughAsiaduringtheTangDynasty(618-907),linkingamyriadofculturesthroughtrade,,FlowerRain,aspectacularsetoffolkdancesfirstperformedin1979tocelebratethe30thanniversaryofthefoundingofthePeoplesRepublicofChina,makesuseofChineseandPersianmotifstotellastoryoflove,,amonth-longculturalcelebrationfêtingcountriesparticipatingintheBeltandRoadInitiative,,inclusivethemesofconnectivityandfriendship,thedancedramawasaperfectencapsulationofthefestivalsthemeandanexcellentuseoftheTianqiaoPerformingArtsCenter,SilkRoadfollowspainterZhangShenbi,hisdaughterYingniangandthePersianmerc,apsMogaoCavesserveasinspirationforthedancedrama,andduringoneactitisrevealedZhangcreatedtheseworkswhileservingoutanunfai,lettingtheirbodiesserveasconduitsfortheirartistry.FolkartistZhangBinmakesdoughfigurinesinanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)PeoplevisitChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)ApersonvisitsChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)InkstoneamateurscompeteinaninkstonecarvingcontestinWuyuan,eastChinasJiangxiProvince,June9,ritageDayonSaturday.(Xinhua/SongZhenping)AchildgetshissugarpaintinginanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)AfolkartistcommunicateswithonlineaudienceinnorthChinasTianjinMunicipality,June9,ritageDayonSaturday.(Xinhua/LiRan)

  银联:中国银联是经国务院同意,中国人民银行批准设立的中国银行卡联合组织,成立于2002年3月,总部设于上海。

  RussianPresidentVladimirPutinandvisitingIndianPrimeMinisterNarendraModidecidedtostepupeconomicandenergycooperationonMondayduringthetalksintheBlackSearesortofSochi,"long,frank,friendly"Putin-Moditalksthatthetwoleaderspaidparticularattentiontotheeconomiccooperation,surethesolideconomiccomponentofasummittobeheldinIndiainearlyOctoberthisyear,,Russia-Indiatradeincreasedabout20percentin2017andgrewsome40percentinthe"firstmonths",includingoil,liquefiednaturalgasandpeacefuluseofnuclearenergy,xtremism,separatismandterrorism,hesaid."Therewasadiscussionaboutvariousareasofourspecificcooperationattheregionalandgloballevel,"Lavrovsaid,addingthatRussiaandIndiahadconfirmedtheywillstronglyopposeattemptstopoliticizetheworkoftheOrganizationfortheProhibitionofChemicalWeapons(OPCW).TheOPCWisresponsibleforaninvestigationintoallegedchemicalweaponattacksinSyria.  Foreignfinancingviabonds,andREITs,expandcapitalinflowsintopropertyOverseasfinancingofChineserealestatecompaniessurged107percentyear-on-yeartoreach$,industryinsiderssaid,showsagrowingforeigninterestinChineserealestatedevelopersaswellaslocalplayers,,partofwhichwasraisedthroughbondssoldtoforeigninvestors,ZhangDawei,chiefanalystofpropertyconsultancyCentaline,,financefrombanksandtrusts,overseasbondissuancebecameapopularoptionforcompanieslookingforshort-termfinancing,,PolyRealEstateGroupissuedthree-yearmedium-termnotesusedforthepropertyrentalbusiness;CifiHoldingsGroupissuedseniornotesvaluedat$500millionthatwillexpirein2021,;($236million):landtoreduceproportionofdividends,,thereismorepolicysupportnowforpropertyassetsecuritization,,theMinistryofHousingandUrban-RuralDevelopmentandtheChinaSecuritiesRegulatoryCommissionreleasedadocumenttoencouragedeveloperstoraisefundsfortherentalbusinessthroughrealestateinvestmenttrustsorREITs,,improveefficiencyofcapitalandpromotedevelopmentoftherentalmarket,,aREITcanletshareholdersenjoythereturnsfromrentalincome."REITsfeaturestrongeranti-inflationcapabilitysincerealestatehasproveditselftobeastableassetamidthefluctuationsofmarket,"saidaninvestmentadvisersurnamedLifromaShanghai-basedrealestateinvestmentcompany."Therelativelyhigherrateofreturn-about6to7percent-andlowerriskcanhelpordinarypeopletootoenjoytheprofitfrompropertyindustrysdevelopment."Besides,,itcanencouragemoreinvestmentfrombankstoserverealeconomy,suchasadvancedmanufacturingindustry,Lisaid."Debtratiocanreach70to80percentinsomelistedpropertycompanies,andREITscanhelpmaintaintheircashflowbypayinginvestorsbonuswithacontinuousincomefromrental."ThoughREITshavebeenwidelyusedinsomedevelopedmarketssuchastheUnitedStatesandSingaporesincethe1960s,,over37countriesandregionshaveputforwardREITsproductsworldwide,whosescalereachedover$2trillionin2017,d  

  在建设和运营银联跨行交易清算系统、实现银行卡联网通用的基础上,中国银联积极联合商业银行等产业各方推广统一的银联卡标准规范,创建银行卡自主品牌;推动银行卡的发展和应用;维护银行卡受理市场秩序,防范银行卡风险。

  FolkartistZhangBinmakesdoughfigurinesinanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)PeoplevisitChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)ApersonvisitsChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)InkstoneamateurscompeteinaninkstonecarvingcontestinWuyuan,eastChinasJiangxiProvince,June9,ritageDayonSaturday.(Xinhua/SongZhenping)AchildgetshissugarpaintinginanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)AfolkartistcommunicateswithonlineaudienceinnorthChinasTianjinMunicipality,June9,ritageDayonSaturday.(Xinhua/LiRan)

  在建设和运营银联跨行交易清算系统、实现银行卡联网通用的基础上,中国银联积极联合商业银行等产业各方推广统一的银联卡标准规范,创建银行卡自主品牌;推动银行卡的发展和应用;维护银行卡受理市场秩序,防范银行卡风险。TheconsensusesreachedduringeconomicandtradeconsultationsbetweenChinaandtheUnitedStatesmeettheinterestsofthepeopleofthetwocountriesandwholeworld,,justreturnedfromtheUnitedstates,referredtothetalksas"positive,pragmatic,andproductive"tofurtheradvanceall-roundpragmaticcooperationat,governorofAlaskaandJohnSanchez,lieutenantgovernorofNewMexico,trade,investment,greendevelopmentandpeople-to-peopleexchangesatthelocallevel,,ForeignMinistryspokespersonLuKangtoldadailynewsbriefingthatChinaexpectsnofurtherreversalsintradeandeconomictieswiththeUnitedStates."Ifthegovernmentsofthetwocountriesreachagoodagreementandresultsthatareacceptabletoboth,,wedonotwanttoseeanyreversal,",thefundamentalreasonwhybothnationshavebeenabletomanagedisputeshasbeenthattherelationshipisinthebestinterestofbothcountriesandtheirpeople,headded.",whicharemutuallybeneficialandwin-wininnature,willplayamoreeffectiverole,"saidthespokesperson.  

  

  西安上榜全国十大数字阅读城市 人均每月读4.92本

 
责编:
桂林地产网QQ群
  • 桂林地产网①群:桂林生活网房产团购
品牌地产
  • 彰泰集团
  • 信昌·棠棣之华
  • 顺祥城
  • 荣和林溪府
  • 桂林碧桂园
  • 桂林万达城
Thevillagehasfewerthan100permanentresidents,butatleast60ofthemareyogaenthusiasts.(PhotobyZhaoZhannan/forChinaDaily)HealthierresidentslesslikelytobeoverwhelmedwithmedicalbillsVill,52,ishelpingpopularizetheexerciseforminanimpoverishedvillageinHebeiprovince,,m,whospenttwodecadesasamusicteacheratacollegeinShijiazhuang,theHebeicapital,wassenttoYugsfortunesaroundforavarietyofreasonsbeyondhiscontrol."The,"Lusaid.

首页 > 新闻中心 > 楼市资讯 > 正文

五大行个人房贷占比达七成 建行新增8118亿夺冠

2019-08-21 09:10:17 来源:每日经济新闻 阅读:
五大行的“吸金”能力依然遥遥领先各大上市公司。值得注意的的是,随着过去两年我国楼市不断升温,个人住房信贷规模也创下“天量”。

截至目前,国有五大银行(工、农、中、建、交)已先后交出2016年成绩单,五大行的“吸金”能力依然遥遥领先各大上市公司。值得注意的的是,随着过去两年我国楼市不断升温,个人住房信贷规模也创下“天量”。

央行数据显示,2016年,全国个人住房贷款余额18万亿元,而五大行个人住房信贷余额超过12.8万亿元,五大行占个人住房贷款占比高达70%,仅建行一家就新增房贷8117.52亿元。据《每日经济新闻》记者统计,2016年,五大行新增个人住房信贷达到2.9万亿元。除交行外,四大行新增个人住房信贷占全部新增个人贷款的比例,均在七成以上。那么,在不少城市纷纷限购的当下,个人住房信贷对五大行2017年的业务会有怎么样的影响?

房贷增速提振个人贷业务

年报显示,作为全球第一大银行的工商银行2016年净利润依然位于榜首,在个人贷款业务方面,其个人贷款2016年金额增加6543.07亿元,增长18.5%。而房贷却增加7246.41亿元,增长28.8%。工行的个人贷款结构显示,除房贷和信用卡透支外,个人消费贷、个人经营性贷款皆有一定程度的减少。记者注意到,个人住房贷款占个人贷款比重再次上升,由2015年的71.1%上升到77.2%,而工行的个人住房贷款余额也达到了3.24万亿元。

建设银行的房贷业务一直较为强劲。年报显示,该行2016年新增房贷8117.52亿元,增幅29.26%,2016年个人住房贷款余额为3.59万亿元。记者注意到,2016年建行新增个人贷款和垫款8715.39亿元,房贷占新增个人贷款的93.14%,而与工行相比,建行的个人消费贷以及信用卡贷款皆有一定程度的提升。

建设银行行长王祖继在2016年业绩发布会上表示,建行2016年的信贷结构在持续优化。2017年的信贷投向将以服务实体经济发展的需要为最重要原则,其中个人信贷投放同样是重要方向,但会坚持解决自住房为主。

中国银行的年报显示,截至去年末,该行内地个人贷款总额为2.98万亿元,比上年末增加5866.18亿元,增长24.47%,个人住房抵押贷款金额为2.34万亿,较上年增加5559亿元,占新增个人贷款的94.76%。

而农业银行的年报显示,2016年该行个人贷款余额3.34万亿元,较上年末增加6129.89亿元,增长22.5%。农行方面表示,主要是由于本行加强零售客户营销力度,加大个人住房贷款的投放力度所致。房贷方面,农行2016年末个人住房贷款为2.56万亿元,较上年末增加6329.52亿元,增长32.8%。占个人贷款比例由2015年的70.7%上升到76.6%。而个人贷、经营贷皆有一定程度的下滑。

交通银行与其他四大行相比,房贷业务的总体量相对较少。从房贷同比增速来看,截至2016年末,交行个人住房按揭贷款余额达7702.80亿元,较年初增长1659.23亿元,增速高达27.45%。

住房信贷对银行吸引力减弱

央行数据显示,2016年,全国个人住房贷款余额18万亿元,而五大行个人住房信贷余额超过12.8万亿元,五大行占个人住房贷款占比高达70%。央行的另一项数据显示,2016全年人民币贷款增加12.65万亿元,同比多增9257亿元。分部门看,住户部门贷款增加6.33万亿元,五大行合计增加2.9万亿,占新增贷款比例45.81%。

今年以来,40余城或地区出台限购政策,北京、广州等地区限购政策再次升级。业内人士表示,“这种现状对于银行的个人房贷业务开展将会有一定程度的影响”。

全国两会期间,央行营业管理部主任周学东也表示,就个人房贷在新增贷款的占比来看,预计今年将会由去年的45%下降到30%以内。那么作为房贷市场的主力军,2017年房贷这架“马车”能否继续带动五大行的业绩增长呢?记者采访了第一创业证券首席分析师李怀军博士。

李怀军表示,2016年四大行(中农工建)的净利润增速都下降至2%以下,特别是中国银行的净利润增速为-3.7%,主要是出于稳健考虑拨备覆盖率上升9个百分点所致。2016年四大行新增个人住房信贷迖2.7万亿元,个人住房信贷余额达到12万亿元。如果2017年四大行新增个人住房信贷余额减少,那么不仅仅是由于限购政策导致的。从银行的角度看,现在10年期国开行收益率一直4.1%左右,与9折的个人住房贷款利率差不多;从投资和住房信贷对比角度看,住房信贷对银行的吸引力已经大大减弱了。

那么对于国有大行来说,房贷业务的收紧意味着什么呢?利润是否会减少?李怀军表示,“四大行利润的减少,主要是由于银行资金来源的成本提高了,息差减少所致,关键在于资金来源端(负债),而不是资金运用端(资产)。从资产端看,四大行的非利息收入占比在20%~30%等,最低的农行21%,最高的中行37%,个人房贷减少对利息收入有影响,但对非利息收入没有影响。由于非利息收入的占比会逐步提高,在目前无风险利率水平接近房贷利率的市场环境下,个人房贷的减少对四大行利润的影响不能高估。”

此外,李怀军表示,“从贷款的角度看,房贷减少了,由于债市收益率的提高以及企业利润率的上升,PPI的上升使企业实际负担的利率水平有了很大的下降,企业贷款的积极性也有很大的提高;银行可以有更多的额度用于企业的贷款,而企业的贷款利率远高于房贷,银行增加企业贷款也符合中央‘脱虚向实’的要求。因此,个人房贷的减少对国有大行利润的负面影响不应高估。”

×团购报名

参与团购,请填写以下内容

*为必填,报名成功后您将收到该楼盘及周边项目看房、团购信息,我们将对您的个人信息保密。

参加团购 报名现场看房

更多买房意向请留言(200字以内)

烹坝 玉带路街道 大盆岭 金墩乡 日纬路日盈里
西障毛家 安徽省利辛县 古障镇 烈屿 上海闵行区莘庄镇