汇丰：美国住宅市场今年复苏无望

%T6HAv/U8LOI0汇丰(HSBC)昨日预计，美国房产市场的滑坡可能至少还会持续一年。该银行同时披露，由于信贷动荡，该行第一季度已计提58亿美元拨备。

The US housing market downturn could last for at least another year, HSBC predicted yesterday as it revealed it had set aside $5.8bn (£3bn) because of the credit turmoil in the first quarter.

'M?s$CX"?Y0汇丰是美国次级抵押贷款市场崩溃的首批受害者之一。该行表示，美国房产市场今年不太可能复苏。汇丰首席执行官纪勤(Michael Geoghegan)表示：“我们认为这不是2008年的事，而是2009年的事。”中国华尔街博客空间B t g
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tK"hrd2}t V0The bank, one of the first to suffer from the meltdown in the US subprime mortgage market, said any recovery in the US housing market was unlikely this year. “We don’t think this is a 2008 event, it’s a 2009 event,” said Michael Geoghegan, chief executive.中国华尔街博客空间DiG^~x*v,b
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#h2v"h ZY$~V0汇丰是信用记录既混乱又糟糕的美国客户的大贷款人，这意味着该行会受到其他银行的密切关注，以寻找任何市场改善的迹象。许多银行人士相信，只有美国房价停止下滑，美国抵押贷款支持的证券才会趋于稳定。中国华尔街博客空间k\ |5S(t/CM*z[

HSBC’s position as a large lender to US customers with poor and patchy credit histories means its results are closely watched by other banks looking for any signs of an improvement in the markets. Many bankers believe securities backed by US mortgages will only stabilise once US house prices stop falling.

汇丰表示，其美国业务第一季度已计提32亿美元坏账拨备，拨备额是上年同期的两倍，但低于去年第四季度的46亿美元。

g*cD8LLO6n_0The bank said its US business had set aside $3.2bn in bad debt provisions in the first quarter. This is double the amount it provided in the first three months of last year, but lower than the $4.6bn set aside in the fourth quarter of 2007.中国华尔街博客空间#i;N;xo_xV'vB

第一季度资本市场的动荡也影响到汇丰的投资银行部门，导致该部门再度针对资产负债表上的债务证券进行了26亿美元的价值减记。不过，该行投资银行业务第一季度的利润高于过去两个季度。中国华尔街博客空间s:XWvs4q{

RM'@p5P5{0The turmoil in the capital markets in the first quarter also affected HSBC’s investment banking division, which wrote off another $2.6bn against the value of debt securities held on its balance sheet. Nevertheless, first-quarter profits in the business were higher than they have been in the previous two quarters.