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澳新银行(ANZ Bank)首席执行长埃利奥特(Shayne Elliott)承认，澳新银行在决定发放住房贷款时可能过于谨慎。此前有新数据显示，该行的贷款账簿在2018年底出现了缩水。 四大银行现在将寻求在房地产投资者市场更快地扩张。房地产投资者市场一直在拖累规模 $1.6万亿的贷款市场的增长，部分原因是银行施加的紧缩条件。 随着住房贷款增速大幅放缓，澳新银行(ANZ)周二公布的数据显示，其贷款投资组合在2018年最后三个月收缩了 $5.42亿，降幅为0.2%。无论是在自有住房市场，还是在房地产投资市场，这都弱于银行业的整体表现。 澳新银行(ANZ)表示，2018年其贷款增幅仅为1%，而整个行业的增幅为4.2%。 该银行解释了增长缓慢的原因，指出了整个行业的疲软，银行内部信贷政策的收紧，以及它更倾向于业主自住和本息贷款，这些贷款往往会更快还清。 埃利奥特在一份声明中表示，消费者信心仍“总体低迷”，监管和房价的不确定性正在影响信心。 “虽然我们一直把重点放在自住业主方面，但我们承认，在实施某些政策和程序上，我们可能过于保守。”我们还在采取措施，谨慎增加投资者领域的交易量，”埃利奥特表示。 在住房贷款放缓之际，一些银行也警告称，政府改革贷款经纪人薪酬方式的计划，可能对竞争造成损害。
在贷款经纪人的激烈游说活动中，昆士兰银行(Bank of Queensland)、Suncorp旗下银行部门ME Bank、AMP Bank和荷兰国际集团(ING)的首席执行官周一在堪培拉会见了澳大利亚财长乔希·弗莱登伯格(Josh Frydenberg)、影子财长克里斯·鲍恩(Chris Bowen)和绿党(Greens)的办公室。本迪戈银行和阿德莱德银行的一位高管代表首席执行官出席了会议。 规模较小的银行定期与政界人士会面，但业内消息人士称，有关抵押贷款经纪人薪酬的提议是周一讨论的关键优先事项，讨论的重点是经纪人在不信任小型银行贷款方面发挥的关键作用。 澳新银行(ANZ)承认，自己可能采取了过于激进的抑制措施。与此同时，高层政策制定者越来越担心，在2014年至2017年期间，监管机构试图为房地产市场降温，而银行对此反应过度。 过去3年，澳新银行(ANZ)等银行对其内部政策进行了一系列改革，大幅降低了客户的贷款额度。 该行周二发布的一份简报估计，客户的最高贷款额度已被削减了20%，不过该行也表示，只有11%的客户以最大能力贷款。 管理咨询公司Digital Finance Analytics的马丁·诺斯(Martin North)预计，澳新银行开放投资者贷款的举措将是“微不足道的”，因为银行在投资者市场上需要做什么仍存在明显的限制。他指出，贷款需求也很疲软。 诺斯表示:“有一点迟滞可能会略微打开这扇门，但从根本上讲，APRA已经相当牢固地关上了快速增长的大门。” 澳新银行股价上涨2.1%，至 $27.31，为四大银行周二最大涨幅。
ANZ admits it was 'overly conservative' in home loans
ANZ Bankchief executive Shayne Elliott concedes the bank may have been too cautious inits home lending decisions, after new figures showed its mortgage book shrankin late 2018.
此文章出于 <Clancy Yeates, 19 Feb 2019>
The bigfour lender will now look to expand more quickly in the housing investormarket, which has been dragging on growth in the wider $1.6 trillion mortgagemarket, partly due to the tighter conditions imposed by banks. As homeloan growth slows sharply, figures published by ANZ on Tuesday showed itsmortgage portfolio contracted in the last three months of 2018 by $542 million,or 0.2 per cent. This was weaker than the wider banking industry in both theowner-occupier and housing investor market. During 2018, ANZ said its loan growth wasjust 1 per cent, compared with industry-wide growth of 4.2 per cent. The bank explained the slowgrowth by pointing to weakness across the industry, tighter credit policieswithin the bank, and its preference for owner-occupier andprincipal-and-interest loans, which tend to be paid off more quickly. Mr Elliott said in astatement that consumer sentiment remained 'generally subdued,' anduncertainty about regulation and house prices was affecting confidence. 'While we aremaintaining our focus on the owner-occupier segment, we acknowledge we may havebeen overly conservative in our implementation of some policy and processchanges. We are also taking steps to prudently increase volumes in the investorspace,” Mr Elliott said. The slowdown in homelending comes as some banks are also warning of the potential harm tocompetition from the government's plan to overhaul how mortgage brokers arepaid, as recomended by the royal commission into banking misconduct. Amid a fierce lobbyingcampaign from mortgage brokers, chief executives of Bank of Queensland,Suncorp's banking arm, ME Bank, AMP Bank, and ING were in Canberra on Monday tomeet with the office of treasurer Josh Frydenberg, shadow Treasurer ChrisBowen, and the Greens. An executive from Bendigo and Adelaide Bankattended on behalf of its CEO. The smaller banks meetwith politicians regularly, but industry sources said the proposal on mortgagebroker pay was a key priority for Monday's discussions, which focused on thekey role played by brokers in distrubuting loans for smaller lenders. The admission from ANZ thatit may have put the brakes on too aggressively comes amid growing concern fromtop policymakers that banks had over-reacted to the regulators' attempts totake some of the heat out of the housing market between 2014 and 2017. In the last three years,banks including ANZ have unleashed a series of changes to their internalpolicies that has significantly reduced how much a customer can borrow. A presentation from thebank on Tuesday estimated the maximum amount a customer could borrow had beencut by 20 per cent, though it also said only 11 per cent of customers borrow attheir maximum capacity. Martin North, who runsconsultancy Digital Finance Analytics, predicted ANZ's moves to open upinvestor lending would be 'marginal,' as there remained clearrestrictions on what banks needed to do in the investor market. Demand forloans was also soft, he noted. 'There's a little bitof lattitude to potentially open the door a little, but fundamentally APRA hasclosed the foor quite firmly on fast growth,' Mr North said. ANZ shares rose 2.1 percent to $27.31, the biggest rise of the big four on Tuesday.
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