来源:《经济通》 小编:朱岳 发布时间:2013年01月31日
内容导读: 交银国际发表研究报告指,招商银行零售贷款业务的重点正转向小微贷款,至11月小微贷款增量700亿至800亿元,按揭贷款仅大约增加162亿。该行预期,2013年公司整体贷款增速较去年变化趋势和行业整体一致。
Pay silver international: China merchants bank middle business growth this year to maintain long-term stability to buy
Pay silver international published the study means, China merchants bank retail loan business is the key to small micro loans, to November small micro loan increment from 70 billion to 80 billion yuan, the mortgage loan only about an increase of 16.2 billion. The bank is expected, in 2013 the company whole loan growth than last year and change trend of the whole trade agreement.
Refers to the bank, China merchants bank retail customer base is strong, at present has not appeared yet customer resources bottleneck, but future growth situation will gradually rely more on new customer development.
The company expect little micro loan in 3 years to more than 45% of the retail loans. The thought that, China merchants bank in small micro loan to retail loans by more than 45% after target, continue to increase for long-term goals than is unlikely, and refers to, in the long run, China merchants bank retail business is still the mortgage and consumer loans drive. The fourth quarter net spreads link better, except for small micro loan maintained a rapid growth outside, also benefit from trade assets compression.
The bank that the 2013 trade assets structure may be adjusted. The first four seasons fraction defective link continue to rise slightly. In the economic recovery under the background of the weak, the defect rate is estimated this year there are still small increased risk.
Refers to the bank, the company business structure transformation in the stable somewhat faster, the bank is expected to 2013 intermediate business growth remained relatively stable. Now 2013 p/e ratio and dynamic city account rate respectively for 844 times and 141 times, the bank maintain its long-term buy investment rating, H shares target price 1966 yuan.
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