銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度

個(gè)貸ABS銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度1銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度車貸ABS筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率M3逾期率10075502500.4%0.3%0.2%1007550250來(lái)源：受托報(bào)告、惠譽(yù)博華惠譽(yù)博華銀行間市場(chǎng)車貸ABS指數(shù)筆數(shù)（右軸）筆數(shù)（右軸）CPR100755025012%9%6%1007550250來(lái)源：受托報(bào)告、惠譽(yù)博華惠譽(yù)博華銀行間市場(chǎng)車貸ABS指數(shù)寶馬AFC寶馬AFC北京現(xiàn)代AFC奔馳AFC東風(fēng)日產(chǎn)AFC海馬財(cái)務(wù)民生銀行比亞迪AFC豐田AFC杭州聯(lián)合農(nóng)商行平安銀行大眾AFC福特AFC吉致AFC奇瑞徽銀AFC東風(fēng)標(biāo)致雪鐵龍AFC東風(fēng)財(cái)務(wù)工商銀行廣汽匯理AFC建設(shè)銀行江蘇常熟農(nóng)商行瑞福德AFC三一AFC上汽財(cái)務(wù)上汽通用AFC一汽AFC長(zhǎng)安AFC招商銀行100%長(zhǎng)安AFC招商銀行100%80%60%40%20%0%來(lái)源：受托報(bào)告，惠譽(yù)博華車貸ABS累計(jì)違約率2012201420152016201720182.0%1.5%1.0%0.5%0.0%按發(fā)行年份統(tǒng)計(jì)201920202021202220232.0%1.5%1.0%0.5%0.0%1357911131517192123252729313335注：2012至2021年發(fā)行的車貸ABS產(chǎn)品不再公布受托報(bào)告或存續(xù)超過(guò)36期。自發(fā)行經(jīng)歷月份來(lái)源：受托報(bào)告、惠譽(yù)博華車貸ABS概覽項(xiàng)目24Q424Q324Q2資產(chǎn)池總余額（億元）1105.31212.31263.6M2逾期率指數(shù)（%）0.220.180.18M3逾期率指數(shù)（%）0.110.120.11來(lái)源：惠譽(yù)博華消費(fèi)貸ABS概覽項(xiàng)目24Q424Q324Q2資產(chǎn)池總余額（億元）79.0132.3130.8M2逾期率指數(shù)（%）1.501.231.31M3逾期率指數(shù)（%）1.361.181.12來(lái)源：惠譽(yù)博華RMBS概覽項(xiàng)目24Q424Q324Q2資產(chǎn)池總余額（億元）2390.52652.42958.3M2逾期率指數(shù)（%）0.220.200.19M3逾期率指數(shù)（%）0.110.130.12來(lái)源：惠譽(yù)博華《惠譽(yù)博華銀行間市場(chǎng)個(gè)貸ABS指數(shù)報(bào)告2024Q3》《2025年銀行間信貸資產(chǎn)證券化展望》孫佳平+861056633813jiaping.sun@鄭飛+861056633816fei.zheng@李林+861059570964jack.li@銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度2M2逾期率指數(shù)在季末上揚(yáng)：四季度末M2和M3逾期率指數(shù)分別為0.22%和0.11%，其中M2指數(shù)因日歷效應(yīng)在春節(jié)前上揚(yáng)至2020年4月以來(lái)的局部高點(diǎn)，逾期率中樞水平或順勢(shì)有小幅上移，車貸ABS逾期率水平整體仍在低位。CPR指數(shù)平穩(wěn)運(yùn)行：四季度末CPR指數(shù)為9.16%，指數(shù)在季度內(nèi)整體運(yùn)行平穩(wěn)。樣本構(gòu)成發(fā)生常規(guī)變動(dòng)，對(duì)指數(shù)無(wú)影響：四季度退出樣本和新增樣本均為9例，分別占上季度末資產(chǎn)余額的7.0%，及本季度末資產(chǎn)余額的20.0%，從退出樣本的占比及新增樣本發(fā)起機(jī)個(gè)別累計(jì)違約率曲線翹尾系樣本減少所致：個(gè)別年份累計(jì)違約率曲線尾部樣本量較少，且包含累計(jì)違約率相對(duì)較高的交易，因此曲線尾部表現(xiàn)不具有代表性。剔除累計(jì)違約率曲線翹尾部分，不同年份發(fā)行的車貸ABS交易累計(jì)違約表現(xiàn)差異較為有限，車貸ABS基礎(chǔ)資產(chǎn)違約表消費(fèi)貸ABS筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率M3逾期率322416802.0%1.5%1.0%0.5%0.0%32241680來(lái)源：受托報(bào)告、惠譽(yù)博華點(diǎn)擊并查看銀行間市場(chǎng)三類產(chǎn)品的逾期率指數(shù)：RMBS、車貸ABS和消費(fèi)貸ABS；點(diǎn)擊并查看銀行間市場(chǎng)兩類產(chǎn)品的CPR指數(shù)：RMBS和車貸ABS；點(diǎn)擊并查看銀行間市場(chǎng)NPAS回收率指數(shù)；獲取指數(shù)報(bào)告尚未發(fā)布的最新數(shù)據(jù)；查看指數(shù)報(bào)告未顯示的早期數(shù)據(jù)；以表格形式瀏覽所有數(shù)據(jù)；交互式選擇具體的數(shù)據(jù)點(diǎn)或數(shù)據(jù)區(qū)間?；葑u(yù)博華銀行間市場(chǎng)消費(fèi)貸ABS指數(shù)發(fā)起機(jī)構(gòu)權(quán)重交通銀行捷信消費(fèi)平安銀行光大銀行興業(yè)消費(fèi)馬上消費(fèi)浦發(fā)銀行蘇寧消費(fèi)四川錦程廣州銀行金美信消費(fèi)中原消費(fèi)湖北消費(fèi)海爾消費(fèi)南銀法巴消費(fèi)100%80%60%40%20%0%來(lái)源：受托報(bào)告，惠譽(yù)博華8.0%6.0%4.0%2.0%8.0%6.0%4.0%2.0%0.0%20152020 201620212017201820192022202320241357911131517192123252729313335注：2015至2021年發(fā)行的消費(fèi)貸ABS產(chǎn)品不再公布受托報(bào)告。自發(fā)行經(jīng)歷月份來(lái)源：受托報(bào)告、惠譽(yù)博華逾期率指數(shù)上揚(yáng)：四季度末M2和M3逾期指數(shù)分別為1.50%和1.36%，其中M3指數(shù)處于歷樣本構(gòu)成有一定變動(dòng)，或削弱指數(shù)上揚(yáng)幅度：四季度無(wú)新增樣本，退出樣本5例，占上季度末余額18.5%，且同期加權(quán)平均逾期水平高于總體，因此其退出可能削弱2022年及之后發(fā)行的樣本累計(jì)違約率曲線偏高：自2022年下半年起，銀行間市場(chǎng)消費(fèi)貸ABS的主力發(fā)起機(jī)構(gòu)類型逐漸轉(zhuǎn)變，引起消費(fèi)貸ABS基礎(chǔ)資產(chǎn)構(gòu)成演變，導(dǎo)致近三年累計(jì)違銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度3RMBS筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率筆數(shù)（右軸）M2：3個(gè)月移動(dòng)平均M3：3個(gè)月移動(dòng)平均M2逾期率M3逾期率0.25%0.20%0.15%0.10%0.05%0.00%300240180120600來(lái)源：受托報(bào)告、惠譽(yù)博華筆數(shù)（右軸）CPR筆數(shù)（右軸）CPRCPR：3個(gè)月移動(dòng)平均值25%20%15%10% 5%0%300240180120600來(lái)源：受托報(bào)告、惠譽(yù)博華惠譽(yù)博華銀行間市場(chǎng)RMBS指數(shù)發(fā)起機(jī)構(gòu)權(quán)重建設(shè)銀行郵儲(chǔ)銀行招商銀行民生銀行江南農(nóng)商北京銀行中國(guó)銀行u順德農(nóng)商u徽商銀行u蘇州銀行工商銀行u杭州銀行u興業(yè)銀行u華夏銀行農(nóng)業(yè)銀行u交通銀行u中信銀行廣發(fā)銀行u中德房?jī)?chǔ)u江蘇銀行u漢口銀行成都銀行u常熟農(nóng)商u三峽銀行惠譽(yù)博華銀行間市場(chǎng)RMBS指數(shù)發(fā)起機(jī)構(gòu)權(quán)重100%80%60%40%20%0%來(lái)源：受托報(bào)告，惠譽(yù)博華RMBS累計(jì)違約率200520072014201520162017按發(fā)行年份統(tǒng)計(jì)201820192020202120222.5%2.0%1.5%1.0%0.5%0.0%11325374961738597109121133145157注：2005年發(fā)行的RMBS已清算。自發(fā)行經(jīng)歷月份來(lái)源：受托報(bào)告、惠譽(yù)博華逾期率維持較高水平，基礎(chǔ)資產(chǎn)無(wú)實(shí)質(zhì)惡化：RMBS交易2024年四季度的資產(chǎn)池余額繼續(xù)下降，基礎(chǔ)資產(chǎn)季末存量環(huán)比縮減9.9%。四季度末M2及M3逾期率指數(shù)分別為0.22%及0.11%，考慮到短期內(nèi)RMBS市場(chǎng)沒(méi)有新資產(chǎn)注入且存量規(guī)模持續(xù)縮減，其逾期率指數(shù)將繼續(xù)在高位波動(dòng)中緩步上升，但并不代表RMBS基礎(chǔ)資產(chǎn)質(zhì)量有實(shí)質(zhì)性惡化。排除受10月調(diào)降房貸利率影響嚴(yán)重的交易，CPR指數(shù)季度內(nèi)運(yùn)行平穩(wěn)：10月個(gè)別發(fā)起機(jī)構(gòu)的交易受批量下調(diào)房貸利率強(qiáng)烈影響，CPR高企，排除這些樣本后CPR指數(shù)季度內(nèi)運(yùn)行平穩(wěn)。指數(shù)樣本構(gòu)成變化?。罕炯径韧顺鰳颖?例，僅占上季銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度4居民消費(fèi)及信貸意愿不強(qiáng)，償債能力仍在修復(fù)中中國(guó):社會(huì)消費(fèi)品零售總額:季度值中國(guó):社會(huì)消費(fèi)品零售總額:季度同比（右軸）城鎮(zhèn)居民人均可支配收入:中位數(shù):累計(jì)同比（右軸）社會(huì)消費(fèi)及城鎮(zhèn)居民收入中國(guó):社會(huì)消費(fèi)品零售總額:季度值中國(guó):社會(huì)消費(fèi)品零售總額:季度同比（右軸）城鎮(zhèn)居民人均可支配收入:中位數(shù):累計(jì)同比（右軸）16141210161412108來(lái)源：國(guó)家統(tǒng)計(jì)局、惠譽(yù)博華%1260-6-122025年1月中國(guó)金融機(jī)構(gòu)新增人民幣貸款5.中國(guó)金融機(jī)構(gòu)新增人民幣貸款同比（右軸）202401202501同比（右軸）2024012025016420-2-4當(dāng)月值短貸及票據(jù)融資中長(zhǎng)貸當(dāng)月值短貸及票據(jù)融資中長(zhǎng)貸當(dāng)月值短貸中長(zhǎng)貸新增居民貸款新增人民幣貸款新增企(事)業(yè)單位貸款%180120600-60-120來(lái)源：中國(guó)人民銀行、惠譽(yù)博華在當(dāng)前寬松的信貸環(huán)境下，企業(yè)融資需求回暖，經(jīng)濟(jì)復(fù)蘇動(dòng)能增銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度5附錄1：指數(shù)編制方法惠譽(yù)博華編制的銀行間市場(chǎng)個(gè)貸ABS指數(shù)描述了銀行間債券市場(chǎng)個(gè)貸ABS的基礎(chǔ)資產(chǎn)整體表nCPR指數(shù)：汽車貸款和個(gè)人消費(fèi)類貸款為基礎(chǔ)資產(chǎn)的資產(chǎn)證券化交易。但產(chǎn)特征或受托報(bào)告數(shù)據(jù)披露口徑與其余樣本差異很大，或者惠銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度6附錄2：2024年12月指數(shù)構(gòu)成M2逾期率M3逾期率CPRM2逾期率M3逾期率CPR車貸ABS屹騰2020-1一汽AFC397.730.00%0.00%0.00%吉時(shí)代2023-3吉致AFC113,637.940.16%0.09%9.33%屹騰2020-2一汽AFC170.580.00%0.00%0.00%福元2023-3福特AFC65,094.300.26%0.05%11.11%工元致遠(yuǎn)2021-11,282.720.68%0.20%14.24%盛世融迪2023-4比亞迪AFC225,444.300.06%0.02%8.25%屹騰2021-4一汽AFC713.730.00%0.00%0.00%匯聚融2023-1廣汽匯理AFC267,446.230.43%0.12%11.16%屹騰2021-5一汽AFC39,111.730.36%0.22%21.55%吉時(shí)代2023-4吉致AFC119,607.050.14%0.09%10.31%德寶天元2022-2寶馬AFC131,271.090.06%0.04%26.15%唯盈2023-1東風(fēng)日產(chǎn)AFC55,589.390.16%0.11%7.02%融騰2022-4上汽通用AFC97,298.590.59%0.68%15.08%瑞澤天馳2023-2奇瑞徽銀AFC118,758.690.83%0.03%8.29%速利銀豐2022-2奔馳AFC153,968.590.21%0.09%12.02%長(zhǎng)金2023-3長(zhǎng)安AFC33,066.350.55%0.14%12.98%大眾AFC101,551.570.48%0.39%11.58%長(zhǎng)盈2023-5長(zhǎng)城濱銀AFC201,034.050.10%0.07%5.96%豐耀2022-2豐田AFC39,434.170.14%0.18%12.77%吉時(shí)代2023-5吉致AFC215,670.510.10%0.03%7.69%匯聚達(dá)2022-2廣汽匯理AFC57,456.320.69%0.35%14.34%長(zhǎng)盈2024-1長(zhǎng)城濱銀AFC181,419.910.19%0.09%5.84%融騰2023-1上汽通用AFC148,077.780.56%0.47%10.66%速利銀豐2024-1奔馳AFC863,892.040.11%0.05%11.83%融騰2023-2上汽通用AFC247,803.500.75%0.55%10.96%匯聚融2024-1廣汽匯理AFC151,042.910.32%0.12%6.26%速利銀豐2023-1奔馳AFC351,886.450.11%0.04%10.52%盛世融迪2024-1比亞迪AFC273,171.920.06%0.02%9.49%匯聚達(dá)2023-1廣汽匯理AFC40,072.771.11%0.47%10.36%長(zhǎng)盈2024-2長(zhǎng)城濱銀AFC289,129.140.12%0.06%6.72%福元2023-1福特AFC46,275.800.48%0.31%11.59%吉時(shí)代2024-1吉致AFC289,753.620.05%0.06%7.12%寶馬AFC421,402.560.05%0.06%19.48%欣榮2024-1瑞福德AFC152,615.500.82%0.17%8.47%匯聚達(dá)2023-2廣汽匯理AFC152,942.510.30%0.16%10.51%匯聚融2024-2廣汽匯理AFC302,780.540.15%0.10%6.70%吉時(shí)代2023-2吉致AFC76,681.730.29%0.15%11.57%盛世融迪2024-2比亞迪AFC390,047.960.05%0.03%7.14%長(zhǎng)盈2023-3長(zhǎng)城濱銀AFC105,961.050.24%0.19%9.23%大眾AFC362,359.860.21%0.13%7.85%融騰2023-4上汽通用AFC283,539.330.50%0.38%10.47%長(zhǎng)盈2024-3長(zhǎng)城濱銀AFC300,577.980.19%0.13%5.81%福元2023-2福特AFC47,833.720.34%0.33%11.64%長(zhǎng)金2024-1長(zhǎng)安AFC160,648.880.15%0.05%8.02%豐耀2023-1豐田AFC120,067.410.20%0.13%9.57%速利銀豐2024-2奔馳AFC84,198.140.05%0.02%4.81%屹隆2023-1一汽AFC14,318.090.86%2.00%10.05%福元2024-1福特AFC261763.90920.09%0.03%15.09%盛世融迪2023-3比亞迪AFC169,734.880.16%0.06%12.69%瑞澤天馳2024-1奇瑞徽銀AFC190294.14520.65%0.03%5.61%長(zhǎng)盈2023-4長(zhǎng)城濱銀AFC147,138.230.12%0.12%8.88%唯盈2024-1東風(fēng)日產(chǎn)AFC243146.9070.04%0.02%5.56%睿程2023-1北京現(xiàn)代AFC67,896.780.13%0.09%7.57%匯聚融2024-3廣汽匯理AFC275344.17050.25%0.10%4.89%速利銀豐2023-2奔馳AFC731,196.480.23%0.10%13.85%盛世融迪2024-3比亞迪AFC466212.67440.04%0.02%6.24%欣榮2023-2瑞福德AFC69,622.621.08%0.32%7.47%吉時(shí)代2024-2吉致AFC407754.2230.03%0.00%5.39%長(zhǎng)金2023-2長(zhǎng)安AFC7,574.870.38%0.09%13.21%欣榮2024-2瑞福德AFC118344.22490.33%0.04%6.72%消費(fèi)貸ABS安順2022-141,226.51.21%0.83%/常星2023-43,028.30.30%0.08%/常星2022-1642.10.00%0.00%/南銀法巴2024-152,262.91.56%1.43%/建晟2022-191,605.90.47%0.65%/常星2024-111,694.32.73%1.60%/常星2023-1627.00.00%0.00%/安逸花2024-1108,347.42.00%1.67%/常星2023-21,548.90.02%0.00%/海鑫2024-160,689.82.30%2.90%/興晴2023-185,882.71.73%1.86%/杭邦2024-181,911.00.57%0.42%/興晴2023-2112,422.51.87%1.47%/安逸花2024-2135,644.81.62%1.27%/常星2023-32,178.70.00%0.00%/RMBS建元2007-13,935.150.00%0.00%17.02%工元宜居2019-884,162.600.35%0.08%13.80%郵元2014-169,715.390.21%0.22%11.38%惠益2019-10154,870.570.08%0.17%16.50%居融2015-14,990.070.34%0.03%15.60%惠益2019-11144,088.110.44%0.09%13.13%京誠(chéng)2015-25,599.780.00%0.00%11.64%惠益2019-12181,612.450.09%0.12%17.77%中盈2015-2342.860.00%0.00%0.00%融享2020-170,303.760.00%0.00%23.46%信融2016-111,109.040.18%0.20%8.72%招銀和家2020-1102,113.270.26%0.03%14.45%家美2016-178,909.140.02%0.09%15.50%工元宜居2020-1141,596.460.21%0.18%17.55%中盈2016-148,229.880.11%0.04%25.25%浦鑫安居2020-1107,265.930.06%0.23%9.87%居融2016-120,605.370.35%0.20%6.51%建元2020-1147,402.860.27%0.10%11.94%和家2016-1153,290.940.11%0.00%16.70%郵元家和2020-1107,695.430.12%0.07%9.10%蘇福2016-14,844.510.00%0.00%17.35%杭盈2020-177,982.240.05%0.00%16.57%中盈2016-248,271.340.26%0.09%16.48%融享2020-252,002.550.00%0.00%34.23%企富2016-1169,302.850.13%0.13%21.59%旭越2020-175,813.050.11%0.03%32.91%銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度7中盈2016-355,874.920.08%0.00%15.66%杭盈2020-2115,566.820.00%0.00%22.07%工元2016-431,183.170.27%0.00%14.55%建元2020-5142,663.680.14%0.03%12.48%中盈2017-165,611.960.09%0.02%15.20%工元宜居2020-2129,542.530.47%0.30%15.03%杭盈2017-139,284.860.00%0.00%15.01%建元2020-6138,366.360.17%0.16%11.46%中盈2017-227,145.970.53%0.05%13.18%招銀和家2020-2179,281.150.17%0.01%12.72%興元2017-1181,862.650.41%0.00%14.87%招銀和家2020-3190,589.390.29%0.00%19.33%居融2017-135,753.910.37%0.00%10.41%招銀和家2020-4200,938.490.08%0.02%10.92%龍居2017-124,202.510.09%0.00%12.66%建元2020-7139,261.090.55%0.07%5.39%中盈2017-372,576.550.12%0.05%10.35%興元2020-171,143.460.55%0.00%12.88%工元2017-316,674.880.42%0.16%11.64%工元宜居2020-3131,959.900.16%0.24%14.26%工元2017-416,214.110.32%0.11%16.91%杭盈2020-371,237.850.00%0.00%16.91%工元2017-515,883.200.45%0.13%14.08%海元2020-1124,671.230.22%0.02%11.25%中盈2018-1136,058.360.31%0.06%8.40%招銀和家2020-5205,447.420.17%0.04%14.43%工元2018-116,763.050.86%0.17%18.99%鑫寧2020-128,586.010.00%0.00%48.84%家美2018-1219,309.380.11%0.04%12.82%工元樂(lè)居2020-1101,906.070.28%0.24%31.06%工元2018-215,301.330.83%0.29%22.45%工元樂(lè)居2020-294,793.000.45%0.23%24.37%工元2018-315,828.410.71%0.22%14.70%工元樂(lè)居2020-390,834.690.35%0.31%1.60%工元2018-448,452.680.60%0.28%16.24%建元2020-11151,564.600.17%0.13%11.51%工元2018-541,826.440.43%0.26%21.33%工元樂(lè)居2020-493,626.470.45%0.23%26.10%中盈2018-2117,779.310.17%0.08%9.74%豫鼎2020-1142,650.240.52%0.20%10.45%工元2018-645,247.010.55%0.22%18.08%中盈萬(wàn)家2020-1173,026.010.09%0.05%12.76%工元2018-752,944.700.34%0.26%19.59%招銀和家2020-6304,745.650.31%0.05%13.43%工元2018-856,990.530.71%0.32%18.82%中盈萬(wàn)家2020-2189,843.740.10%0.10%15.67%工元2018-955,619.970.51%0.34%22.52%創(chuàng)盈徽元2020-1103,433.470.59%0.62%10.04%興元2018-3186,908.220.31%0.00%15.65%浦鑫安居2020-2218,834.350.09%0.11%15.93%工元2018-1054,997.530.50%0.28%22.71%莞鑫2020-137,155.250.38%0.48%18.25%農(nóng)盈2018-5112,130.300.17%0.17%11.91%工元樂(lè)居2020-595,436.030.36%0.18%12.69%工元2018-1156,036.110.52%0.24%17.76%杭盈2020-472,923.800.00%0.00%20.00%惠益2018-150,264.970.08%0.06%15.20%招銀和家2020-8263,995.920.11%0.08%11.52%交盈2018-2145,927.860.22%0.13%11.20%工元樂(lè)居2020-692,439.050.23%0.23%20.63%工元安居2018-165,406.330.62%0.27%20.13%招銀和家2020-7265,352.890.13%0.09%12.25%工元安居2018-264,481.010.45%0.27%11.34%蓉居2020-124,118.660.09%0.00%13.88%廣元2018-184,541.800.05%0.03%12.96%常安居2020-149,171.570.18%0.00%3.95%工元安居2018-365,146.300.49%0.45%15.75%工元樂(lè)居2020-744,055.170.63%0.34%15.18%中盈萬(wàn)家2018-170,003.420.26%0.10%13.70%招銀和家2020-980,064.030.06%0.03%18.58%興元2018-4205,660.110.51%0.00%16.41%信融宜居2021-177,705.580.02%0.00%12.28%中盈萬(wàn)家2018-2104,885.480.25%0.05%13.86%農(nóng)盈匯寓2021-1667,866.380.15%0.15%10.54%工元安居2018-464,471.310.46%0.59%11.16%中盈萬(wàn)家2021-1177,394.920.11%0.04%15.76%工元安居2018-566,036.320.63%0.33%12.63%融享2021-1151,949.950.00%0.01%16.96%交盈2018-3116,371.080.12%0.18%14.27%興渝2021-191,255.090.39%0.68%2.93%中盈萬(wàn)家2019-1104,828.330.17%0.12%15.93%杭盈2021-163,384.420.00%0.02%10.93%農(nóng)盈2019-1172,104.010.20%0.10%11.01%惠益2021-1156,138.040.04%0.02%25.74%工元安居2019-192,420.160.39%0.27%9.91%中盈萬(wàn)家2021-2254,770.680.21%0.07%12.31%工元安居2019-290,096.290.58%0.32%14.00%鑫寧2021-149,537.730.00%0.13%25.56%融享2019-116,142.670.00%0.00%21.20%興元2021-1499,506.740.32%0.00%15.01%興元2019-1262,461.530.38%0.00%11.55%惠益2021-2159,862.240.10%0.04%16.78%交盈2019-1132,358.940.33%0.08%11.23%工元樂(lè)居2021-195,158.890.39%0.28%37.77%農(nóng)盈2019-2269,486.270.16%0.12%10.19%招銀和家2021-1492,237.640.13%0.01%10.30%九通2019-181,769.340.20%0.20%16.18%工元樂(lè)居2021-299,088.120.50%0.15%34.44%杭盈2019-158,610.180.06%0.00%16.29%惠益2021-3180,215.720.14%0.03%17.08%惠益2019-132,129.250.39%0.26%16.22%郵元家和2021-1133,658.200.12%0.04%11.11%惠益2019-227,537.310.11%0.15%22.34%京誠(chéng)2021-1224,098.180.17%0.14%19.35%交盈2019-2168,574.920.14%0.11%11.98%浦鑫安居2021-1404,091.990.16%0.14%15.37%中盈萬(wàn)家2019-299,118.330.28%0.04%15.01%安鑫2021-1171,992.170.07%0.07%14.95%惠益2019-335,957.540.27%0.10%19.93%蓉居2021-145,856.280.43%0.05%13.99%惠益2019-439,963.460.07%0.05%17.37%海元2021-137,351.670.56%0.00%4.86%惠益2019-565,693.220.24%0.56%11.64%杭盈2021-2163,467.080.03%0.05%20.81%杭盈2019-2116,771.200.00%0.00%23.51%中盈萬(wàn)家2021-3297,276.210.06%0.08%13.17%和家2019-1236,766.220.09%0.03%13.33%郵元家和2021-2238,477.440.13%0.12%12.04%鑫寧2019-113,666.220.26%0.00%25.22%工元樂(lè)居2021-3100,799.800.20%0.36%24.19%銀行間市場(chǎng)個(gè)貸ABS指數(shù)2024年第4季度8興元2019-2252,979.630.39%0.00%10.48%招銀和家2021-2136,062.380.27%0.09%12.88%創(chuàng)盈2019-116,558.490.86%0.35%5.26%工元樂(lè)居2021-4110,960.030.71%0.32%35.67%浦鑫2019-1120,979.870.31%0.10%9.48%交盈2021-1273,949.770.26%0.10%14.67%和家2019-215,637.470.00%0.00%6.35%工元樂(lè)居2021-551,167.570.34%0.54%17.75%惠益2019-667,379.270.53%0.00%16.19%招銀和家2021-4305,115.180.17%0.08%14.85%惠益2019-758,216.620.12%0.05%13.87%建元2021-12104,438.890.22%0.13%11.43%融享2019-224,323.000.00%0.17%13.89%工元樂(lè)居2021-651,259.810.81%0.32%18.33%安鑫2019-16,777.580.10%0.08%17.64%交盈2021-2270,159.370.11%0.05%13.26%工元宜居2019-164,780.790.62%0.67%23.63%興元2021-2183,948