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监管重压叠加高利率,曾位列美国第一的富国银行缩减房贷业务

2024-07-13 21:22:06 浏览:94

监管重压叠加高利率,曾位列美国第一的缩减房贷业务

文章来源:华尔街见闻

直到2019年,富国银行都是美国第一大房贷提供商,但富国将不再广泛地发展按揭贷款客户。这是现任CEO自2019年上任以来做出的最新的,或许也是最重要的战略调整。

在监管的重压和高利率带来的房地产市场不景气之下,曾在美国按揭贷款领域排名第一的富国银行正在考虑退出这一价值数万亿美元的市场。

1月10日周二,有媒体称,富国银行将不再广泛地发展按揭贷款客户,而是只向现有的银行和财富管理客户以及少数族裔社区的借款人提供住房按揭贷款。

此外,富国银行还关闭了通过第三方公司销售按揭贷款的业务,并通过资产出售“大幅”缩减按揭贷款服务组合。

富国银行的高管们承认,这一转变将导致该银行房贷业务的新一轮裁员,但他们拒绝透露具体裁员人数。

富国银行消费者贷款负责人Kleber Santos表示,自美联储去年开始加息以来,美国房贷市场已经崩溃,此外,银行业面临的监管也在加强,以及富国银行在2016年假账丑闻后引发的一系列连带影响等因素导致了公司的这一决定:

我们意识到富国银行自2016年以来发生的变化,以及我们需要做的工作来恢复公众信心。作为监管审查的一部分,我们现在确定我们的房屋贷款业务在总体规模和范围方面都太大了。

市场认为,这一调整是现任富国银行CEO Charlie Scharf自2019年上任以来做出的最新的,或许也是最重要的战略调整。

房屋抵押贷款是迄今为止美国人持有的最大债务类别,占全美16.5万亿美元家庭总余额的七成以上,富国银行曾因为自己是美国最大的房贷提供商而自豪,直到2019年,富国银行都是全美最大的房贷提供商。

在逐渐退出房贷市场的同时,富国银行把战略重心逐渐转移到投资银行业务、信用卡业务等方面。未来,富国银行的业务将可能更接近于或者,而这两家银行都在2008年金融危机之后放弃了房贷业务。

富国银行退出美国房贷市场将对美国房贷市场产生重要影响。当前,富国银行是仅次于Rocket和United Wholesale Mortgage的第三大美国房贷提供商,但是Rocket这样的非银行机构并不受到严格监管,有行业人士担忧,这可能会给美国消费者和美国房地产市场带来更多隐患。

富国银行的高管们承认,这一战略调整将带来该公司房贷业务的新一轮裁员,但他们拒绝透露具体裁员人数。 去年,由于业务下滑,成千上万的房贷专员被富国银行解雇或自愿离职。

风险提示及免责条款

市场有风险,投资需谨慎。本文不构成个人投资建议,也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何意见、观点或结论是否符合其特定状况。据此投资,责任自负。

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