房贷业务

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寒武纪单日市值蒸发超800亿,六大行个人房贷再缩水 | 财经日日评
吴晓波频道· 2025-09-05 00:30
点击按钮▲立即报名 中国启动首起反规避调查 9月3日,商务部官网发布公告称,2025年3月4日,应长飞光纤光缆股份有限公司的申请,商务部发布2025年第14号公告,决定对原产于美国的 进口相关截止波长位移单模光纤可能规避对原产于美国的非色散位移单模光纤反倾销措施进行调查。 周四,商务部发言人对此表示,该案是中国首起反规避调查。立案后,商务部依法依规开展了调查,调查程序公开透明,充分保障了各利害关系 方的权利。经过调查,证据显示,美国出口商通过对华出口相关截止波长位移单模光纤,规避了中国对美非色散位移单模光纤产品的反倾销措 |点评| 从2011年开始,中国商务部决定对美国进口的光纤产品征收高额反倾销税。部分美国光纤出口企业通过改变产品类型的方式规避反倾 销税,现在商务部用反规避调查填补了这个漏洞,维护中国光纤产业免受外国公司不公平竞争的侵害,确保原有的反倾销措施起效。反规避调 查并非中国首创,欧美国家就曾多次运用反规避调查,为反倾销措施"打补丁"。 早在2001年,全球互联网泡沫破灭,全球光纤产能严重过剩。海外生产商为了消化产能,向中国市场大量倾销光纤产品,彼时商务部就对美日 韩三国的光纤产品展开了反倾销调查。 ...
建行业绩会剧透下半年关键信息:息差、活期存款、房贷表现
Di Yi Cai Jing· 2025-08-30 15:39
非利息收入在营业收入中的占比为27.28%。 建设银行因建而生,因建而兴,支持基础设施贷款是建设银行的底色。张毅说,今年上半年,建行基础设施相关行业贷款增速高于全行对公贷款的平均增 速,较去年同期增速提高了0.23个百分点。下半年,随着国家重点项目落地、专项债使用,对基础设施建设贷款的需求具有一定的刺激作用。 "建行已经采取更加有力的考核激励政策,同时优化相关信贷政策,将基础设施领域贷款的重点项目、客户都纳入总行白名单,并建立了持续的跟踪服务机 制。"他说。 "锚定三优三稳三控目标不动摇,经营成果稳中有进,稳中提质。"8月29日,在2025年中期业绩发布会上,建设银行(601939.SH,00939.HK)行长张毅 说。 在评价上半年业绩表现时,张毅表示,上半年,建设银行的业务和盈利指标边际向好,经营收入和拨备前利润实现双正增长,其背后主要采取了四大措施, 一是提升量价平衡发展能力,净利息收入降幅进一步收窄,加大高质量金融供给的力度;二是加快培育新动能,提升非利息收入的贡献;三是持续完善全覆 盖全流程的全面成本管理体系,提升投入产出的质效;四是夯实风险防控根基,强化资产质量管控。 净息差下滑幅度将逐季收窄 息 ...
直击建设银行业绩会:预计全年房贷业务表现将会好于去年
Sou Hu Cai Jing· 2025-08-29 15:44
Core Viewpoint - Construction Bank reported a stable performance in the first half of 2025, with a focus on maintaining net interest margin and supporting consumer loans through new subsidy policies [1][2][3][4][5] Financial Performance - As of June 30, 2025, Construction Bank achieved operating income of 385.9 billion yuan, a year-on-year increase of 2.95% [1] - Net profit for the first half of the year was 162.6 billion yuan, with a net interest margin (NIM) of 1.40% [1][2] - The bank's capital adequacy ratio stood at 19.51%, indicating a strong capital position [1] Net Interest Margin Management - The bank is actively managing its asset-liability structure and pricing strategies to maintain a reasonable net interest margin [2] - The NIM decreased by 1 basis point quarter-on-quarter in Q2, but the bank remains confident in maintaining a competitive position among peers [2] Consumer Loan Policies - Recent subsidy policies for personal consumption loans and service industry loans are expected to lower borrowing costs and stimulate credit flow into consumer sectors [3] - The bank aims to enhance customer experience and streamline processes to support genuine consumer demand [3] Housing Loan Business Outlook - The bank anticipates better performance in housing loans this year compared to last year, supported by government policies aimed at stabilizing the real estate market [4][5] - The bank is adapting to changes in the housing market, particularly the increasing share of second-hand home transactions, by refining its service offerings [4]