• <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: 中文字幕理论电影理论片| 国产youjizz| 亚洲国产精品综合久久久| 97成人在线视频| 欧美色图综合网| 欧美日韩乱妇高清免费| 国产高清中文字幕| 亚洲欧美日韩精品中文乱码| 99久久国产综合精品2020| 色一情一乱一伦一区二区三区| 日本边添边摸边做边爱的网站 | 日韩欧美综合在线| 国产女人18毛片水真多1| 久久精品中文字幕一区| 青草青视频在线观看| 日本人六九视频jⅰzzz| 四虎国产精品免费久久| 下载一个黄色录像| 蜜臀av性久久久久蜜臀aⅴ| 散步乳栓项圈尾巴乳环小说| 台湾佬中文娱乐网在线更新| 一本大道久久东京热无码AV| 男女一边摸一边脱视频网站| 国内大量揄拍人妻精品視頻| 亚洲天堂一级片| 99精品人妻少妇一区二区| 精品午夜福利1000在线观看| 婷婷五月在线视频| 亚洲狠狠婷婷综合久久蜜芽| 香蕉在线精品一区二区| 最近中文字幕高清2019中文字幕 | 国产成人AV无码精品| 久久久久久久久人体| 精品亚洲成AV人在线观看| 成年网站在线观看| 免费观看性欧美一级| 99久久国产综合精品1尤物| 欧美XXXX做受欧美1314| 国产人妖另类在线二区| 一本色道久久88亚洲精品综合| 狂野猛交xxxx吃奶|