打炒房再出招 建築貸款集中度過高銀行須 - 股票

By Erin
at 2020-12-15T19:39
at 2020-12-15T19:39
Table of Contents
1.原文連結:
https://udn.com/news/story/7239/5094816
2.原文內容:
打炒房再出招 建築貸款集中度過高銀行須提高備呆
政府近期打炒房動作頻頻,金管會今宣布,發現有8家銀行建築貸款(土建融)集中度過高
,針對集中度過高的8家銀行,將要求提高備抵呆帳,從原本的1.5%提高到2%。但金管會
強調,建築貸款跟民眾的購置住宅貸款不同,不影響民眾申請購屋貸款。
今年以來因台商大舉回流,工廠、辦公大樓需求增加,加上房市熱,建商趁機促銷餘屋
,導致週轉金貸款增加,銀行建築貸款大增。據金管會統計,截至今年10月底,全體國銀
承做建築貸款占放款總額比率為8.62%,創近6年新高,且有部分銀行承做建築貸款超過此
比率,集中度偏高。
金管會銀行局主秘童政彰表示,以10月底資料來看,超過8.62%的有8家銀行,且8家都
超過10%,將要求集中度適度降低,且要提高備抵呆帳,這8家主要是過去一段時間不動產
放款較積極的銀行,目前整體不動產授信規範是1.5%,這8家若不改善,會要求提高到2%。
童政彰表示,會要求這8家銀行先報改善計畫,金管會將逐月或逐季依照改善計畫看集中
度是否有下降,希望每家銀行目標可降到8.62%,從銀行報進來的改善計畫,可以看出銀
行是否有積極執行改善計畫,若改善執行不力,會馬上請銀行提高備抵呆帳。
3.心得/評論:
只說是8家不過沒說是哪幾家
不過某家官股董事常在不動產新聞出現
應該是榜上有名
明天電梯往●
--
南民嗜嫖寡廉恥,
鄙蠻目無半字丁。
翁姥賤命氣爆索,
異鄉浪畜似瘤棲。
抓到南蠻人啦!下賤426亂我興邦。
https://imgur.com/QjCyvWM.jpg
--
https://udn.com/news/story/7239/5094816
2.原文內容:
打炒房再出招 建築貸款集中度過高銀行須提高備呆
政府近期打炒房動作頻頻,金管會今宣布,發現有8家銀行建築貸款(土建融)集中度過高
,針對集中度過高的8家銀行,將要求提高備抵呆帳,從原本的1.5%提高到2%。但金管會
強調,建築貸款跟民眾的購置住宅貸款不同,不影響民眾申請購屋貸款。
今年以來因台商大舉回流,工廠、辦公大樓需求增加,加上房市熱,建商趁機促銷餘屋
,導致週轉金貸款增加,銀行建築貸款大增。據金管會統計,截至今年10月底,全體國銀
承做建築貸款占放款總額比率為8.62%,創近6年新高,且有部分銀行承做建築貸款超過此
比率,集中度偏高。
金管會銀行局主秘童政彰表示,以10月底資料來看,超過8.62%的有8家銀行,且8家都
超過10%,將要求集中度適度降低,且要提高備抵呆帳,這8家主要是過去一段時間不動產
放款較積極的銀行,目前整體不動產授信規範是1.5%,這8家若不改善,會要求提高到2%。
童政彰表示,會要求這8家銀行先報改善計畫,金管會將逐月或逐季依照改善計畫看集中
度是否有下降,希望每家銀行目標可降到8.62%,從銀行報進來的改善計畫,可以看出銀
行是否有積極執行改善計畫,若改善執行不力,會馬上請銀行提高備抵呆帳。
3.心得/評論:
只說是8家不過沒說是哪幾家
不過某家官股董事常在不動產新聞出現
應該是榜上有名
明天電梯往●
--
南民嗜嫖寡廉恥,
鄙蠻目無半字丁。
翁姥賤命氣爆索,
異鄉浪畜似瘤棲。
抓到南蠻人啦!下賤426亂我興邦。
https://imgur.com/QjCyvWM.jpg
--
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