个人住房贷款作为银行最安全的资产之一，已经开始逐渐暴露风险。据中国债券信息网发布的《邮盈惠泽 2023 年第七期不良资产支持证券发行文件》显示，邮储银行将发行 7.9 亿元住房抵押贷款不良资产支持证券（ABS）。该单不良 ABS 入池。
近年来，随着经济形势的变化，个人房贷逾期率逐渐攀升。银行为了降低不良贷款的风险，加大了不良贷款 ABS 的发行力度。不良贷款 ABS 是指将不良贷款打包成为一种证券产品，通过证券市场进行交易，从而达到不良贷款的风险分散。
此次邮储银行发行的不良贷款 ABS，入池的不良贷款主要包括个人住房贷款和商业用房贷款等。入池的不良贷款总额达到 7.9 亿元，较上一期增长近 20%。
尽管不良贷款 ABS 的发行在一定程度上能够缓解银行的不良贷款压力，但同时也意味着银行面临着更大的风险。因此，未来银行在发行不良贷款 ABS 的同时，也需要加强风险管理和监测，以保证投资者的利益。
新闻翻译：
Title: Personal mortgage default rate rises, and banks accelerate mortgage-backed securities issuance
Keywords: personal mortgage, default rate, bank, bad loan, ABS
News content:
Personal housing loans, one of the safest assets for banks, have gradually become risky. According to the “Yuanyin 惠泽 2023 No.7 Mortgage-Backed Securities Issuance Document” released by China 债券信息网，Yousu Bank will issue 7.9 billion yuan of mortgage-backed securities (ABS) for individual housing loans and commercial real estate loans. The bad loan ABS will be included in the pool.
In recent years, with changes in the economic situation, the default rate of personal mortgages has gradually risen. Banks are increasing the issuance of bad loan ABS to reduce the risk of bad loans. Bad loan ABS refers to packaging bad loans into a security product and selling it through the securities market, thereby achieving risk diversification of bad loans.
The bad loan ABS issued by Yousu Bank in this round includes both individual housing loans and commercial real estate loans, with a total amount of 7.9 billion yuan, an increase of nearly 20% compared to the previous issue.
Although the issuance of bad loan ABS can help banks reduce their bad loan pressure to some extent, it also means that banks face greater risks. Therefore, in the future, banks need to strengthen risk management and monitoring to protect the interests of investors.
【来源】https://new.qq.com/rain/a/20231208A09TRB00
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