• <abbr id="ck0wi"><source id="ck0wi"></source></abbr>
    <li id="ck0wi"></li>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li><button id="ck0wi"><input id="ck0wi"></input></button>
  • <abbr id="ck0wi"></abbr>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li>
  • Home >

    Bank Deposit And Loan Ratio And Refinancing Pressure "Double Relief"

    2011/6/7 10:42:00 31

    Bank Deposit And Loan Financing

    The CBRC recently issued the notice on supporting commercial banks to further improve the financial services of small enterprises (hereinafter referred to as the "notice"), focusing on the support of small business loans with a single household value of 5 million yuan (below).


    It is understood that in the notice, the CBRC issued a number of preferential policies for small business loans with a single amount of less than 5 million yuan (inclusive), including the classification of loan types, the ratio of deposit to loan ratio, the rate of non-performing loans, and other indicators, and directly linked to the policy of bank access.


    Guo Tianyong, director of the banking research center of Central University of Finance and Economics, said in an interview with the Securities Daily reporter that the new policy promulgated reflects the idea of differentiated supervision by regulators and is an important measure.


       Differentiated examination


    "Small business financing can not rely on loosening monetary policy. This new regulation can help commercial banks form a more effective incentive mechanism and more willing to make small business loans, which is in line with the concept of improving financial services by commercial banks promoted by regulators," he said.


    According to the notice, Risk cost Commercial banks with adequate measurement, adequate capital and adequate provision, and good financial services for small businesses have been identified by the regulatory authorities, and the relevant regulatory indicators can be differentiated.


    "The new policy will help banks further develop small businesses' financial services. Especially for the joint-stock banks with relatively high deposit and loan, after the implementation of the daily average loan ratio regulation, the development of small business loan business can alleviate the pressure of loan to deposit ratio to a certain extent. In addition, reducing the risk weights of small business loans will raise the level of capital adequacy ratio of commercial banks. For banks, it is inclined to give loans to small businesses on regulatory standards, which will encourage banks to develop this business, "Guo Tianyong said.


    Guo Jin securities analyst Chen Jiangang also believes that the notice will help improve commercial banks. Capital adequacy The rate level, to a certain extent, alleviate the pressure of refinancing, and hedge the impact of the risk weighting of real estate development loans and infrastructure loans in rumors. In addition, the issue of small business loans corresponding to the issuance of financial bonds is not included in the scope of loan to deposit ratio assessment, so as to ease the pressure on the daily average loan to deposit ratio of listed banks. Not only that, but because of the higher proportion of the loan interest rate of small businesses, the policy tilt will help to raise the interest rate of banks. At the same time, we should solve the financing difficulties of small enterprises and reduce the risk of non-performing loans for small businesses.


    Specifically, according to the notice, on the basis of the new Basel Capital Accord, the commercial banks that use the internal rating method to calculate the capital adequacy ratio allow them to treat the small business loans with a single household under 5 million yuan (below) as the retail loans. The commercial banks that do not use the internal rating method to calculate the capital adequacy ratio can be regarded as retail loans for a small business loan of 5 million yuan (below).


    Since not all listed banks have announced the balance of the scale of small business loans, Chen Jiangang only made calculations on the listed banks that made relevant announcements. The static calculation shows that Nanjing, CCB, people's livelihood and Ningbo have a larger income, raising capital adequacy ratio by 1.07%, 0.82%, 0.69% and 0.79% respectively, but considering the rapid development of the loan business of the people's livelihood, Chen Jiangang believes that the Minsheng Bank is still the most beneficiary in the future.
     


     


     
    • Related reading

    Cooperation Between Xinjiang Equity Exchange And Huarong Asset Management Co

    asset management
    |
    2011/6/7 9:28:00
    48

    Guangxi Finance Department Conducts Research On State Assets Management Of Administrative Institutions

    asset management
    |
    2011/6/4 10:08:00
    49

    Insurance Asset Management Co'S Ability To Allocate Assets Is Facing Challenges

    asset management
    |
    2011/6/4 10:06:00
    38

    The First Software Asset Management Method Promulgated By Party And Government Organs

    asset management
    |
    2011/6/4 10:03:00
    44

    學(xué)會(huì)管理“第二個(gè)財(cái)富中國(guó)”

    asset management
    |
    2011/5/23 9:51:00
    46
    Read the next article

    央行謀地方融資新路徑 地方債或重啟

      在全國(guó)掀起清理地方政府債風(fēng)暴的同時(shí),央行對(duì)建立地方融資風(fēng)險(xiǎn)對(duì)沖機(jī)制的意圖,也逐漸明晰起來。6月1日,據(jù)銀監(jiān)會(huì)相關(guān)人士透露,監(jiān)管當(dāng)局準(zhǔn)備清理2萬億~3萬億元可能違約的地方政府債務(wù),將部分債務(wù)轉(zhuǎn)入數(shù)家新創(chuàng)設(shè)的公司,并解除省級(jí)及市級(jí)政府機(jī)構(gòu)出售債券的限制。中央政府將會(huì)介入償還部分不良貸款,銀行將承擔(dān)一些損失,同時(shí),將把那些原先限制民間投資的開發(fā)案向民間投資人開放。

    主站蜘蛛池模板: 99视频在线观看免费| 免费的毛片基地| 久久福利一区二区| 黄瓜视频在线观看| 日韩精品一区二区三区视频| 国产欧美一区二区三区在线看 | 又粗又硬又大又爽免费视频播放 | 国产特黄一级片| 亚洲va欧美va| 999国产精品| 日本在线观看一级高清片| 国产亚洲午夜精品| 中文字幕精品久久久久人妻| 翁虹一级毛片手机观看| 成人午夜精品无码区久久| 免费高清a级毛片在线播放| 一个男的操一个女的| 男人女人做30分爽爽视频| 国语做受对白xxxxx在线| 亚洲欧美日韩国产精品专区| 你懂的网址免费国产| 日韩精品无码中文字幕一区二区| 国产性生交xxxxx免费| 久久久久久久99精品免费观看 | jizzjizz日本护士| 毛片免费观看网址| 国产精品久久久久久亚洲影视| 乱妇乱女熟妇熟女网站| 超清高清欧美videos| 欧美成人鲁丝片在线观看| 国产精品99无码一区二区| 久久婷婷五月综合国产尤物app| 色婷婷天天综合在线| 好吊妞视频一区二区| 亚洲最大在线观看| 黄网址在线观看| 性美国xxxxx免费| 亚洲第一网站免费视频| rewrewrwww63625a| 欧美性xxxx禁忌| 国产在线五月综合婷婷|