Some Commercial Banks Have Urgent Loan Quotas.

Tomorrow will enter the last month of the two quarter - in June, in the end of May, some commercial banks appeared to use up the loan amount early.

Zaobao reporter learned that the above situation may continue in June, so some commercial banks have begun to selectively adopt high interest rate loans.

"We do not accept (loan) application now, and the bank quota is used up."

A bank of Nanjing (601009) personal credit department yesterday told the Morning Post reporter, "because of the quota problem, almost all the loan business of our bank has been suspended."

These people also said that from the current situation, probably not lending next month, because "not only this month, next month's quota is gone."

According to the news of reporters in the morning post, the Bank of Nanjing is not the only one to play the embarrassing scene.

According to a person familiar with the matter, China Merchants Bank (600036) and Bank of China (601988) have been suspended for some time in 3 and April because of the limited amount. Recently, the loan business has been resumed. "The amount is exhausted within a certain period of time, or illegal loans will be called by the regulatory authorities to stop lending."

According to introducing, Shanghai agricultural business bank because the amount is tight, at present, loan approval requires queuing for a month.

China Merchants Bank will have to spend more than two months from submitting applications to lending.

A banking analyst at a well-known brokerage revealed that most state-owned banks and joint-stock banks have a very fine timetable, with detailed checks on the amount of loans approved each day and the follow-up of loan structures.

For example, real estate loans, industrial circulating capital loans, small and medium enterprises loans and so on have prescribed lending scale.

"One obvious change is that regulators are no longer limited to controlling the size of loans on a quarterly basis," he said.

According to people close to the CBRC, at present, the work of quantifying loan approval limits has been refined to monthly, by day, or even every working day.

It is noteworthy that many enterprises have been worried about the situation most of the time - some commercial banks are raising interest rates.

Bank credit managers, such as the Minsheng Bank (600016), the Bank of Ningbo (002142), and Ping An Bank, said the credit line was further tightened and the bank's pursuit of loan interest rates was more radical in the approval of the loan.

In a sense, when the loan amount is urgent, the higher the loan interest rate is, the easier it is to be granted.

According to people familiar with the matter, in some individual banks, second or third mortgage applications are even easier to be approved than the first set of home purchase loans.