• <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: 日本强伦姧人妻一区二区| 高清波多野结衣一区二区三区 | av毛片免费看| 管家婆有哪些版本| 好男人电影直播在线观看 | 免费播看30分钟大片| 中文亚洲av片不卡在线观看| 老司机天堂影院| 成人毛片免费视频播放| 另类视频色综合| 一女被两男吃奶玩乳尖| 青娱乐免费视频| 日本www在线观看| 国产v亚洲v欧美v专区| 亚洲一区无码中文字幕| www.黄色在线| 日韩电影免费在线观看中文字幕| 国产草草影院ccyycom| 亚洲成人免费网站| 亚洲人配人种jizz| 日韩精品久久无码中文字幕 | 欧美人欧美人与动人物性行为| 国产精品无码永久免费888| 亚洲av色影在线| 91久久大香线蕉| 欧美亚洲国产激情一区二区| 国产男女爽爽爽免费视频| 久久精品一区二区三区中文字幕| 最新jizz欧美| 最近中文字幕国语免费完整| 国产精品线在线精品| 亚洲av日韩aⅴ无码色老头| 麻豆国产精品免费视频| 扒开女人双腿猛进猛出免费视频| 免费黄色一级电影| 一级片免费网站| 激情欧美人xxxxx| 在线视频精品一区| 亚洲午夜精品久久久久久人妖| 黄色软件视频大全免费下载| 我要看WWW免费看插插视频|