1 trillion credit scale breaking a foregone conclusion, which also forced the central bank to raise interest rates measures to curb bank lending impulse. Some experts believe that, together, the Spring Festival as well as tighter regulation and other factors, high credit growth model difficult to sustain, 2,3 will be a month down the credit scale, and gradually returned to normal levels.
small line of credit, some commercial banks to tighten development loans, the general customers the highest interest rates go up 20%. In addition to interest rates go up, the bank development loan audits are becoming increasingly strict, some joint-stock banks have stopped new development loans, making the second housing prices face a reshuffle pressure; banks continue to tighten credit recently, also a direct result of many small and medium enterprises facing a new round of financial pressure.
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In addition, the recent news that the city commercial bank and then for some small and medium banks mainly implementation of the difference between the deposit reserve ratio. The market expected the central bank because the shot has a lot of credit expansion last year, the bank's capital adequacy ratio of small and medium decreased rapidly, which touches the central bank re-introduction of differentiated reserve control risk.
development loans have lower interest rates go up
orally informed the head office, called for development loan interest rates go up not less than 10%.
Earlier, the head office identified the development of high-quality customer lending rates to fall about 5%. on the branch level in the key room rate loans, interest rates go up no less than 10% of the general customers the highest possible floating of 20%. sources.
addition to interest rates go up, banks on real estate development loans are becoming increasingly stringent audit, some joint-stock banks have stopped new development loans. This means that developers only pay off part of the stock in order to obtain new development line of credit. Sources, another state-owned banks, with excellent large-scale real estate business background have the opportunity to get a development loan, and the development of small and medium real estate developers want access to credit is almost impossible. They also called for abolition of land mortgages, only in the construction to loans. Development of comprehensive assessment to credit review, we must look at whether the quality of specific projects subject, but also the land, the project, managerial strength.
banking industry sources, the current real estate has become the focus of state regulation, a corresponding tight development loans, small and medium enterprises apply for the Housing Development Loan difficulties do exist, even down to grant loans are floating rate interest rate relatively large. Meanwhile, the development of credit application and approval procedures for the project more complicated, in both credit and housing policy in the context of tightening, only policies to encourage public support for rent or affordable housing project loans approved without any problems.
Why bank loans on the development of Banking analysts said the attitude of the current real estate regulators, determines the capital of commercial banks in real estate development loans, In addition, regulators of the credit crunch this year, their credit lines more than the banks, they want to seek a relatively high lending rates, the price of fill volume.
This year may be pressure, housing prices may reshuffle occurred this year.
small business credit card tight
banks are tightening credit, raw material prices, the SME funding chain suffered pincer attack. A Shanghai Daily reporter that entrepreneurs in the textile industry, which like
analysis that the prices of raw materials not only eroded corporate profits, but also to the chain of enterprise funds have brought tremendous pressure. For example, he said, cotton prices doubled, cotton spinning enterprises corresponding to the liquidity necessary to double the business pressures increased sharply.
in business when most in need of liquidity, banks have tightened credit.
long been engaged in corporate finance services, investment consulting, general manager of financial fat chieh told Business Daily reporters, according to the experience in previous years, banks in the fourth quarter of last year the backlog of loan, often over the years in focus released. However, to February this year, the lending rate is still very slowly.
Minsheng Bank (600016, stock it) a credit department staff to the Chinese Commercial News reporter Jie Shao, the credit crunch directly reflected in two aspects, one line on the long-term customers, originally with its business development, will be gradually increased lending hand, but now reduced; second period, only the current one-year loan, three to five years of almost no long-term loans, businesses rely on Some companies do not continue on, had to rely on private financing of temporary transition.
Zhanding Guo said that in the control under the pressure of the credit scale, the current supervision of banks have tightened. Such as a bank loan ratio to less than 75% of control, before the unit is controlled in the middle can be beyond some months, and now becomes in months.
bank credit tightening regulation of the industry was affected the most obvious. After the real estate industry chain they are no longer optimistic about the business, construction, building materials, basic business is no longer lending.
difference between the reserve ratio has been implemented
Recently, some media quoted sources as saying the central bank to commercial banks, urban-based small and medium sized banks to implement a different part of the deposit reserve rate control measures. According to industry to the Chinese Commercial News reporter Tou Lou, at least three different joint-stock commercial bank deposits received a standard notice.
Central University of Finance and the China Banking Research Center, Guo Tian Yong said it is estimated the adjustment of the deposit reserve ratio was mainly due to small loans years after the bank was more powerful punch, on the other hand small and medium banks in terms of corporate governance structure or capital adequacy ratio is relatively large banks are relatively weak, the difference in the deposit reserve ratio adjustment is conducive to control risk and credit restructuring.
the beginning of the central bank governor Zhou Xiaochuan has said publicly that the future will implement dynamic adjustment of the reserve ratio difference. Formula under the central bank, the bank paid the difference between the deposit reserve ratio equal to the sound macro-prudential requirements of capital adequacy ratio as measured with the actual capital adequacy ratio of the difference, then multiply that by adjusting the parameters of the robustness of the line. Lower capital adequacy ratio of banks, was implemented deposit reserve rate differential the greater the probability.
fact that many of the small and medium commercial banks in the last round of credit expansion, a serious decline in capital adequacy, has the edge in the supervision of the red line. Previously, the central bank to implement two different reserve ratios are lending a large amount for the four lines and large joint-stock banks, city commercial banks are not subject to regulation under the control of credit has become a drain.
heard that the four major commercial banks in January as new credit be strict control, small and medium commercial banks to become the main launch. Market is expected industry-wide in January of about 1.1 trillion yuan of new loans, lending to small and medium banks become the main force in January, accounting, or up to Qi Cheng. End of last year to early this year, the credit crunch under control policy exceptions, the basic release Dahon no loans. In this context, the small bank loans began to take the heat. December last year, the banking sector shot up to 502 billion yuan in new loans, some analysts pointed out that 20% of them concentrated in the small city firms, credit cooperatives and finance companies.
Bank (601328, stock it) Center for Financial Research Analysts said the difference in the deposit reserve ratio for banks with relatively large deterrent. Comparison of deposits in the current context of limited sources, which will further push up the cost of bank loans. The difference is the implementation of the bank deposit reserve ratio, on the one hand need to shrink the size of credit to meet regulatory requirements, on the other hand, if the central bank lower interest rates on reserve, the bank's capital gains rate will be reduced.
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