On the same day, 15 banks have issued announcements for this incident

　　Chinanews on July 14th (Shi Rui and Peng Jingru) rare!

Banks collectively make announcements for the same thing.

　　According to media reports such as Securities Times, recently, the owners of unfinished buildings in many places issued a statement to forcibly stop loan repayments until the relevant projects are fully resumed. The cities involved include Henan, Shanxi, Jiangxi, Hunan, Hubei, Guangxi, Shaanxi, etc. provinces.

　　While the "loan suspension incident" continued to attract attention and heated discussions, the banking sector in the A-share market fell as a whole in the past two days.

In response to the "loan suspension incident", starting from noon on the 14th, as of press time, 15 banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Industrial Bank have issued announcements to disclose the investigation situation, saying that "guaranteed handover" The business scale of the risk is small, and the overall risk is controllable.

--ICBC

　　According to the Industrial and Commercial Bank of China, recently, individual real estate development enterprises have been exposed to risks, and the delivery of individual real estate development projects has been delayed.

ICBC attached great importance to it and acted quickly.

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Image source: ICBC announcement

--ABC

　　According to the Agricultural Bank of China, it has been preliminarily identified that the real estate with the risk of "guaranteing the delivery of the building" involves an overdue mortgage loan balance of 660 million yuan, accounting for 0.012% of the entire bank's mortgage loan balance and 0.017% of the mortgage loan balance for first-hand buildings.

At present, the scale of the business involving the risk of "guaranteed handover" is relatively small, and the overall risk is controllable.

Image source: Agricultural Bank Announcement

--Bank of China

　　Bank of China said that since the beginning of this year, Bank of China's real estate financing has been stable and orderly, the issuance of real estate development loans and the support for the mergers and acquisitions of difficult housing enterprises have been increasing, and the new real estate development loans are at the forefront of the industry; Loan policy to support rigid and improved housing demand; during the epidemic period, customers were provided with multiple relief policies such as deferred repayment of principal and interest, asset quality remained stable, and the overall risk of Bank of China’s personal housing loan business was controllable.

Image source: Bank of China announcement

- Construction Bank

　　China Construction Bank said that the current suspension of construction in some areas and the failure to deliver real estate on time involve the small scale of China Construction Bank and the overall risk is controllable.

CCB will pay close attention to the situation of cooperative enterprises and real estate, actively cooperate with local governments to provide good customer service, communicate with customers, and promote the stable and healthy development of the real estate market.

Image source: China Construction Bank announcement

——Bank of Communications

　　According to the Bank of Communications, the recent risk exposure of individual real estate companies has led to the suspension of construction and delayed delivery of projects in some cities.

After preliminary investigation, the overdue housing mortgage loan balance of the Company involved in the risky properties reported by the media was 99.8 million yuan, accounting for 0.0067% of the company's domestic housing mortgage loan balance. The scale and proportion were small and the risks were controllable.

Image source: Bank of Communications announcement

--CITIC Bank

　　China CITIC Bank issued an announcement stating that in response to the recent risk exposure of individual real estate companies and the delayed delivery of housing development projects, after a preliminary investigation, the overdue personal housing loan balance of China CITIC Bank involved in the risky properties reported by the media was 46 million yuan, accounting for 46 million yuan of personal housing loans of China CITIC Bank. The balance of housing loans is 0.0048%, the scale and proportion are small, and the overall risk is controllable.

Screenshot of China CITIC Bank announcement.

- Postal Savings Bank

　　The Postal Savings Bank of China said that it has paid close attention to the suspension of construction and delayed delivery of real estate in some areas, and carried out in-depth investigations. The preliminarily identified projects to stop construction involve overdue housing loans of 127 million yuan, the scale and proportion are small, and the risks are controllable.

Image source: Postal Savings Bank announcement

--China Merchants Bank

　　China Merchants Bank said that after preliminary investigation, the number of real estates involved in the "online loan suspension" incident of China Merchants Bank is relatively small, and the overdue personal housing loan balance of China Merchants Bank involved is 12 million yuan, accounting for the proportion of China Merchants Bank's domestic personal housing loan balance. Less than 0.001%, the overall risk is controllable.

Image source: China Merchants Bank announcement

--Industrial Bank

　　Industrial Bank said that after investigation, up to now, Industrial Bank involved in the "loan suspension event" real estate-related mortgage loan balance of 1.6 billion yuan (including non-performing loan balance of 75 million yuan), and has stopped repayment of 384 million yuan of mortgages, mainly concentrated in Henan region.

Thanks to the differentiated access and management requirements of the Industrial Bank for mortgage loans in the early stage, the overall scale of the mortgage loans that the Industrial Bank has intervened and has the risk of unfinished business is relatively small, and will not have a significant impact on the operation of the Industrial Bank.

Image source: Industrial Bank announcement

--Ping An Bank

　　Ping An Bank said that after investigation, the current overdue mortgage loan balance of Ping An Bank involved in the online "loan suspension incident" was 31.8 million, accounting for 0.011% of the total mortgage loan balance of Ping An Bank and 0.021% of the mortgage loan balance for first-hand buildings.

The overall scale of Ping An Bank's mortgage loans involving unfinished tail risks is small and will not have a significant impact on the operation of Ping An Bank.

Image source: Ping An Bank announcement

—— Everbright Bank

　　China Everbright Bank stated that, as of the end of June 2022, the overdue mortgage loan balance of the real estate identified as “guaranteed to hand over the building” risked real estate was 65 million yuan, accounting for 0.01% of the total mortgage loan balance of China Everbright Bank, and the scale was relatively small. The overall risk is controllable and will not have a significant impact on the operation of China Everbright Bank.

Image source: Everbright Bank announcement

--Minsheng Bank

　　Minsheng Bank said that in response to recent online real estate-related risk events, Minsheng Bank quickly carried out investigations.

As of the end of June 2022, the residential mortgage loan balance of Minsheng Bank was 591.039 billion yuan, of which the overdue mortgage loan balance involving the above risk events was 66 million yuan, and the overall risk was controllable.

Image source: Minsheng Bank announcement

——Bank of Jiangsu

　　The Bank of Jiangsu said that it has conducted a comprehensive investigation on the real estates with completion risks in some areas within its jurisdiction. The non-performing personal housing loans involved in the real estates that may have the risk of "guaranteing the delivery of the building" is 31 million yuan, accounting for 31% of the personal housing loan balance of the Bank of Jiangsu. 0.01%, which has little impact on the overall credit asset quality.

Image source: Bank of Jiangsu announcement

——Zheshang Bank

　　Zheshang Bank said that it has investigated the properties in the news of "mandatory loan suspension" on the Internet, and the relevant properties involved Zheshang Bank's mortgage loan balance of about 31 million yuan; Zheshang Bank also cautiously and broadly determined that there may be "guaranteed handover buildings" The risky real estate involves a mortgage loan balance of 260 million yuan. The business scale and proportion are small, and the overall risk is controllable, which will not have a significant impact on the operation of Zheshang Bank.

Image source: Zheshang Bank announcement

——Nanjing Bank

　　Bank of Nanjing said that as of the end of June 2022, the balance of personal mortgage loans of Bank of Nanjing was 83.2 billion yuan, of which the personal mortgage loan balance of real estates that may have the risk of "guaranteing the delivery of buildings" was only 21.14 million yuan, accounting for the entire bank of Nanjing Bank's personal mortgage loans. 0.0254% of the balance.

At present, the scale of business involving the risk of "guaranteing the handover of the building" is relatively small and will not affect the operation of Bank of Nanjing.

Image source: Bank of Nanjing announcement

　　According to the announcements issued by the above-mentioned banks, many banks have indicated that they will pay close attention to the status of cooperative enterprises and real estate, strictly implement the requirements of regulatory agencies, and actively cooperate with local governments to provide financial services to "guarantee the delivery of buildings, protect people's livelihood, and ensure stability", and maintain real estate. The market will develop steadily and healthily, and the legitimate rights and interests of consumers will be safeguarded.

(Zhongxin Finance)