Credit Trillion Survey In January: Banks Also Have Debt &Nbsp At The End Of The Year.

Credit has always been the main thread of China's economy.

Credit increases can boost business operations and economic growth, but at the same time it may also exacerbate inflation.

In steady growth and inflation control, credit decisions are undergoing more difficult choices than before.

This requires management to play a better regulatory art.

Management is in action.

In January, the market has not yet concluded, and the market has reported "up to 1 trillion of the new loans of financial institutions as of January 19th". More different versions of the conjecture believe that the credit scale will be controlled at 6 trillion and 500 billion, 6 trillion and 700 billion, 7 trillion, 7 trillion and 500 billion or 8 trillion in 2011.

The information is purely speculative.

But there are three facts that deserve to be mentioned.

One is related to the central bank with "window guidance" function; the other two is related to the CBRC.

First, recently, the central bank 2011 working conference "made an exception" did not explicitly put forward the whole year.

Second, in January 18th, the CBRC convened the first economic and financial Bulletin (teleconference) meeting in 2011. Liu Mingkang, chairman of the CBRC, stressed that the banking industry in 2011 should have a deep understanding and accurately grasp the new changes and characteristics of the situation at home and abroad, take the theme of scientific development as the theme, accelerate the pformation of the mode of economic development as the main line, fully implement the requirements of 12th Five-Year, and continuously push ahead with reform, development and innovation, making new and greater contributions to maintaining the steady operation of the banking industry and promoting the development of economic and social sciences.

At the meeting, Liu Mingkang asked the "banking industry".

According to a person familiar with the matter, the CBRC asked the leaders or principal leaders of various commercial banks to take part in the above meeting held in the afternoon of January 18th.

"Now the inflation situation is grim, and the regulatory authorities attach great importance to it. One of the important objectives of this meeting is to require commercial banks to balance lending and avoid assault lending."

The person familiar with the matter said.

Third, in January 20th, the CBRC issued the notice of the China Banking Regulatory Commission on further regulating the business of bank credit and financial cooperation, and further standardizing the financial cooperation business between banks and trust companies.

On the same day, the head of the supervision department of the non banking financial institutions of the China Banking Regulatory Commission said to the financial weekly reporter that since last year's announcement of the relevant regulations of the China Banking Regulatory Commission on the regulation of bank credit and financial cooperation business, the development rhythm of the credit cooperative business has been effectively controlled, and the cooperation scale of silver trust has dropped from 2 trillion and 80 billion yuan in July 2010 to 1 trillion and 660 billion yuan at the end of the year, and the has achieved remarkable results.

There are three main contents of the notice.

The first is to refine the provisions of the 72 document on the pfer of off balance sheet assets into the form of commercial bank's credit cooperative business, requiring commercial banks to formulate specific pfer plans and strictly enforce them in 2011 according to the fall of the quarterly credit rating; and two, to require the trust company to calculate the risk capital for the bank credit cooperative trust loan according to the ratio of 10.5%, and three, to make a restrictive stipulation for the trust company's 2010 dividend payment, that is, if the trust compensation reserve is lower than the balance of the credit cooperative trust loan of 150% or lower than the 2.5% of the balance of the credit cooperative trust loan of, it is not allowed to pay dividends in 2010 years.

The practice of avoiding credit regulation in the cooperation between banks and banks has always been a concern of management.

It is reported that in January 20th, the notice of the CBRC was mainly aimed at the potential risks exposed in the rapid development of the credit cooperative business and formulated in accordance with the principle of prudent supervision.

But at the same time, the head of the supervision department of the non banking financial institutions of the China Banking Regulatory Commission said that the notice would also guide the bank credit cooperative business to credit, abandon quasi bank business and turn to asset management based on investment, so as to encourage trust companies to change their business methods and strengthen their own management.

Hu Xiaolian, vice governor of the central bank, recently said that the growth of bank credit should be consistent with the main goals of social and economic development, especially considering economic growth targets and inflation control targets.

In the next stage, the central bank should combine the total regulation of money and credit and liquidity management with a sound macro Prudential policy framework, make use of the dynamic adjustment of differential reserves, and play the role of conventional monetary policy tools, such as interest rate, deposit reserve ratio and open market business.

From top to bottom, this year's management has different ways of regulating credit.

Different from the tough administrative regulation in the past, a soft differentiated regulation strategy will be implemented this year.

More accurately, this year will be regulated through the differential reserve ratio, credit regulation and the combination of relevant regulatory policies.

Since 2011, the lending control of major banks has been controlled in the past quarter to month or even weekly.

North China: the amount is tight, the development loan is cautious, and the operation becomes the new favorite.

There are rumors that the four state-owned commercial banks issued 340 billion loans in the first two weeks of January.

A person in charge of the head office of a state-owned commercial bank said that the figures for January were not yet available, and the situation was not known.

A person from a Beijing branch of a state-owned commercial bank said that credit control is relatively tight now. Even if we want to put more money, we must see if there is any quota.

Shanghai Pudong Development Bank Beijing branch staff told reporters that in November last year, due to tight loans, the major banks began to tighten credit, including personal loans, including mortgage loans have closed the door or delayed lending.

And in 2011, the new amount of "warehousing", the bank on the backlog of customers to carry out surprise loans.

In addition, the overall credit market has also contracted this year. The trend of regulators is that new loans will fall by 10% to 15%.

It is inevitable that the amount is tight.

China Merchants Bank Credit Department official said that although the central bank and the head office have not yet issued a unified notice, but the banks canceled the first mortgage interest rate concessions is the general trend.

At present, most of the joint-stock banks in Beijing have already implemented the benchmark interest rate. The four major banks have not been notified yet, but the possibility of adjustment is also very large.

According to the statistics of WIK Anjie, a professional loan agency in Beijing, the volume of mortgage market pactions in the first half of January was 13% lower than that in the first half of December 2010.

In addition to the public rental housing encouraged by the policy and the easy access to housing projects, Beijing, Shanghai and Shenzhen three real estate development loans almost stagnate, especially small developers can hardly get development loan support.

The staff of Beijing branch of Agricultural Bank of China introduced that recently, the state has relatively strict management of real estate, so the real estate market and real estate loans are in a state of austerity.

Now all the funds are put on some large construction projects, the selection criteria are very high, and the general projects have not been done. Recently, the projects we did were reserved the year before last.

People's Bank of China's relevant responsible person also said that the current loans related to real estate are basically limited, including development loans, which can be accepted, but it is very difficult to not approve.

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Everbright Bank Beijing branch staff said that development loans can still be done, but will be based on the development qualification, development scale, development experience, the proportion of its own funds, interest rates are not necessarily, perhaps higher than the benchmark interest rate.

A joint stock bank responsible person said: "banks are now planning their business types to other types of loans tilted, our mortgage business is now not encouraging to do so, this year's focus of the loan business will be on the development of personal business loans."

Compared with the housing loan of 15% off interest rate, the personal loan that interest rates frequently go up is favored by more banks.

East China: Xingye Shanghai branch has received five hundred million or six hundred million of small business loans in January, and mortgage interest rate has increased by 10%.

Financial weekly newspaper reporter conducted a survey of other banks' implementation of credit policy.

It is understood that the Standard Chartered Bank SME loans, housing loans and microfinance, there are signs of obvious easing.

The practice of DBS bank is to take deposits and lend money together.

At the end of 2010, the Royal Bank of Scotland, which lasted nearly two years, divested of its retail and business operations in China.

DBS bank announced that it will take over part of the business of RBS in Scotland.

DBS bank is the largest bank in Southeast Asia. Its headquarters is in Singapore. It is the first Singapore bank to set up a sole proprietorship bank in China.

Royal Bank of Scotland will pfer nearly 25 thousand customers in Shanghai, Beijing and Shenzhen to DBS Bank (China) company.

The focus of the previous business was on deposit taking. Now it is the same thing as sucking up and lending, and taking part in some business of Royal Bank of Scotland. DBS bank's momentum is like a rainbow.

The governor of a branch in East Asia, Shanghai, said the loan situation was "steady growth".

Reporters from some branch network survey found that Shanghai Pudong Development Bank's credit business has not found significant changes.

Hangzhou bank is stepping up its efforts to promote vehicle loan and credit card business locally.

According to the reporter's investigation, the loan business of Xingye Bank has tightened up, and the solution is through other ways such as "Xingye Tong" to make up for it.

Ms. Wu, a loan manager of small and medium enterprises in a branch of Xingye Bank, told financial weekly newspaper that "this year is still a loan for the small and medium-sized enterprises, and it also provides loans for the previous year."

The terms of lending are relatively strict now.

The main business is mainly based on collateral, but not much.

As a whole, I think it is mainly personal loans and small business loans. "

The customer manager disclosed that Xingye Bank's Xingye business started mainly in the second half of 2010. "Although we started to do SME loan business in 2008, the real start was from the second half of last year.

At that time, we just caught up with the state's indentation of credit, so the proportion of SME loans increased.

The customer manager said that at present, the Shanghai branch of Industrial Bank of China has increased about five or six billion loans in January this year.

And the Shanghai branch of Xingye Bank is currently refining the SME sector. "We have to separate it from the company's business department, and the employees in the industry are also mobilized."

Societe Generale's credit structure is also gradually changing.

Since the establishment of the bank's retail banking management headquarters in Shanghai in June 2006, efforts have been made to implement the management mode of the retail credit center in the whole bank.

Last year, Xingye Bank set aside 10% of the new credit scale for the whole year, which is specifically used to ensure the supply of funds for Xingye Tong's personal business loans.

Reporters learned from the Huashan branch of Xingye Bank, the first housing interest rate of Societe Generale has been raised by 10%. "It seems to have been adjusted in January 19th, and I have just heard about it."

Similarly, Ms. Wu also told financial weekly newspaper that "in January of this year, we did not receive many mortgage loans.

If the scale of loans is tight, maybe after the Spring Festival, customers will be able to get loans in time. This will be a problem.

But what is certain is that we will push small business loans this year. "

Southern China: in January, it suffered from the double impact of new loans at the end of last year and this month.

At present, the credit structure of banks seems to be heading for a blowout in the beginning of the year.

According to the insider of the head office of the China Merchants Bank, "there is no quota lending now, because the amount of new account added at the beginning of the month is used to pay off the loans that have been agreed between November and December.

In fact, many new applications have not been received in the first month, and the documents issued by the head office have to strictly control the quality of loans in the absence of the current quota. At the same time, we must accept the application of the loan according to the instructions of the general branch.

If the volume is really tight, suspend the loan. "

The bank's retail bankers also said, "at present, there is no specific number of new loan quotas in January, but there is bound to be a growth from the real situation. And because the demand at the end of last year will also be coupled with the new demand this month, it is expected that the growth will be quite large, but the specific figures will be difficult to estimate."

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Ding Wei, vice president of China Merchants Bank, once said in an exclusive interview with financial weekly that "individual loan is still the main profit contribution point of retail business."

The development of diversified personal loans is the main way. In 2010, the growth of non mortgage businesses such as consumption, business and auto loans showed a trend of development of both sides of the housing and non mortgage loans.

The pricing power of non home loans is high, and of course, the pricing power of mortgage loans is expected to increase in the future.

But the same amount of loans makes capital consumption of mortgage loans lower, rather than housing loans, capital consumption is higher.

So we are always looking for a reasonable allocation structure with lower capital consumption and the largest scale of benefits. It is estimated that the ratio between housing and non mortgage loans will be 6:4 in 2011.

According to the insiders of the above China Merchants Bank, "in the company's business, of course, we will maintain some large state-owned enterprises and other large clients. But the head of the head office, President Ma Yuhua and so on, have explicitly requested more and more SMEs to make more flexible and higher loan types in the past year, which is conducive to the reasonable structure of bank loans.

From the current data, small and medium enterprises loans, especially the small business credit center set up by the Bank of China, all pay a certain amount of emphasis.

Deep development of small and medium-sized business departments responsible person also said, "in the deposit reserve ratio mentioned the historical high point, the banks are very tight.

The amount of loans allocated depends on how many deposits the banks have, not just letting them go.

And now the pressure of deposits is also relatively large, so in a limited loan resource environment can only be loans to some high-quality SME customers, for some not quite familiar with the stranger is sure to put it first.

Ping An Bank, a branch governor of Shenzhen, expressed his concern to reporters. "According to the current situation of the branch's loan, the loan amount in the first quarter must show a monthly growth trend, and if the first quarter is not well controlled, the remaining three quarter loans will not be easy, and the quota will be even more intense.

So now even if the quota is still in the normal condition, it is not acceptable to accept the customer's application. It is very good to be able to meet a fixed number of old customers.