CBRC'S New Regulation Promotes Small Businesses Financing &Nbsp; Loosening Bad Rate Tolerance

In order to further promote commercial banks to support and improve financial services for small enterprises, efforts should be made to achieve credit growth of small businesses not less than the average growth rate of all loans, so as to enhance small businesses.

There are ten articles in the notice. The main contents include: first, giving priority to and accepting small businesses.

Appropriate relaxation of bad loan rate tolerance

The notice said that the ratio of non-performing loans to small businesses will be differentiated.

According to the CBRC data, as of the end of 2010, the balance of non-performing loans of the banking financial institutions was 1 trillion and 240 billion yuan, 169 billion 600 million yuan lower than the beginning of the year, and the non-performing loan ratio was 2.4%, which was 0.89 percentage points lower than the beginning of the year.

Among them, the balance of non-performing loans classified by commercial banks according to five levels of loans is 433 billion 600 million yuan, 73 billion 200 million yuan lower than the beginning of the year, and the non-performing loan ratio is 1.13%, which is 0.45 percentage points lower than that of the beginning of the year.

On the other hand, the two departments of the CBRC Supervision said that the deregulation policy of small businesses would be different from those enjoyed by different businesses.

At the same time, in view of the proportion of loans issued by a small business to a certain percentage of commercial banks, the chief executive said that the ratio required would not be the same because of the different circumstances of each bank.

According to the head of the CBRC, the credit quality of small businesses has been continuously improved since the beginning of this year, and the bad balance and bad rate have continued to double down.

At present, the balance of non-performing loans for small businesses is 239 billion 500 million yuan, 14 billion 700 million yuan lower than the beginning of the year, and the bad rate is 2.61%, which is 0.37 percentage points lower than that of the beginning of the year.

Statistics show that in 2004, the CBRC issued the "capital adequacy ratio management measures for commercial banks" stipulates that the commercial banks' risk weights for loans to enterprises and individuals are 50% except housing mortgage loans, and the rest are 100%.

According to the circular, the small business loans below 5 million yuan (or below) can be regarded as the provision of capital with retail loans. The minimum loans for small businesses that are currently raised by 100% risk weights are expected to be processed according to the ratio of 50% of mortgage loans, and capital consumption is expected to be halved.

Small business loans achieve two "no less than"

The person in charge of the media briefing also said that this year, the bank loans to small businesses continued to achieve two, not less than one, the growth rate is not less than the average growth rate of all loans, two is the increment of not less than the number of loans in the same period last year.

Since 2005, the CBRC has proposed to promote the financing of small businesses as a long-term strategic task. Under the principle of "commercial sustainability", the financial services of small businesses are gradually formed into effective working ideas based on the "six mechanisms", focusing on small business financial services and focusing on product development and "two no less than".

According to the introduction, as of the end of April, the balance of SME loans was 9 trillion and 450 billion, accounting for 28.8% of the total loans of enterprises, with a growth rate of 7.1%, higher than that of all loans by 0.8 percentage points, an increase of 628 billion 500 million over the beginning of the year, an increase of 58 billion 200 million yuan over the same period last year.

Under the request of the CBRC to vigorously support the financing of small and medium-sized enterprises, banks also responded positively. Small and medium-sized banks began to withdraw from the financing of large enterprises and loan resources to small businesses. Taking Zhejiang Tyrone bank as an example, SME loans accounted for more than 90% of the total loans of banks.

At the meeting, Li Nan, director of the financial headquarters of Bank of China, said that in the past 2009-2010 years, the growth rate of small business loans of Bank of China has increased by 211%, which is 142 percentage points higher than that of the same period.

As of April this year, the number of small and medium-sized enterprises in the bank was 296 thousand and 300, an increase of 46 thousand and 300 compared with the beginning of the year, an increase of 18.57%.

The balance of loans for small and micro enterprises was 312 billion 500 million yuan, an increase of 40 billion 600 million yuan compared with the beginning of the year, with an increase rate of 15%, which is 10 percentage points higher than that of the whole bank loan.

According to Zhou Bin, assistant general manager of Retail Banking Department of Minsheng Bank, as of now, Minsheng Bank has 350 billion loans for small and micro enterprises loans, 190 billion and 500% in the recent two years.

Small business loans account for 60% of the total loan resources and 260 thousand customers. Among them, 120 thousand of the loans are directly received, and the average household loans are controlled at 2 million, benefiting nearly 40 million small business customers.

The industry and industry of credit structure have been optimized.

The head of the CBRC said that since the beginning of this year, the industries and industries of the credit structure of small businesses have been further optimized. The traditional dominant industries are the main areas of loans for small businesses, especially the manufacturing industry.

By the end of April, the top industries were manufacturing, wholesale and retail, water conservancy and environmental industries, public facilities management, real estate, leasing and business services. The top ones were manufacturing, wholesale and retail, construction, pportation, warehousing, postal and real estate industries.

At the same time, he also said that the loan resources in the developed areas and the central and western regions uneven situation has been greatly improved.

According to the person in charge, the balance of loans for small businesses in the eastern developed areas is more than that in the northeast and central and western regions.

At the beginning of this year, this situation has been changed and there has been a relatively rapid growth.

Among them, the Inner Mongolia area increased by 15.52%, the Hainan area increased by 13.05%, the Hubei area grew by 13.51%, the Qinghai area grew by 10.75%, and the Henan area grew by 10.63%.

The relevant person in charge of the Bank of Beijing said that the CBRC's differential policy has increased the initiative and enthusiasm of small businesses in banking services. In the future, the Beijing bank will raise the reward ratio for the loan business below 5 million yuan, which will urge the salesmen to attach importance to this kind of business.

Among them, the traditional industries of manufacturing, retailing and wholesale, as well as the energy saving, technology and cultural industries supported by the planning countries in 12th Five-Year will be the main industry in Beijing bank's support for small business credit.