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    In January, The Scale Of Deposits Dropped Sharply By &Nbsp; The Ratio Of Deposit And Loan Of Financial Institutions Approached 70%.

    2012/2/13 10:52:00 28

    Bank Deposit Loan Ratio Credit

    At the end of January, the balance of RMB deposits of all financial institutions was 80 trillion and 130 billion yuan, an increase of 12.4% over the same period last year, and the balance of RMB loans was 55 trillion and 530 billion yuan, up 15% over the same period last year.

    As a result, the index of RMB deposit to loan ratio of all financial institutions has reached a high level of 69.3%.


    The so-called loan to deposit ratio is that regulators monitor bank liquidity.

    control

    A regulatory index of credit scale.

    The formula is that the size of the loan is divided by the size of the deposit. The business of the two party must be less than 75%.


    "Because of China's interest rate control, in order to control the credit scale of commercial banks, it is proposed that the ratio of deposit to loan ratio should not exceed 75%."

    A state-owned big bank researcher explained the original intention of the loan to deposit ratio index.

    He also said that the loan to deposit ratio index is China.

    Finance

    This policy does not exist in western countries.


    Previously, capital and banks often existed because of limited financing channels.

    Therefore, for banks, although there is a loan to deposit ratio.

    supervise

    Demand, but as long as there are indicators of credit scale, do not worry about credit funds.


    This situation changed quietly in 2011.

    Because of the high inflation and the negative interest rate problem, the banking industry generally faced the situation of deposit outflow last year.


    "75% of the loan to deposit ratio requirement also limits the ability of individual banks to raise loans."

    Li Jing, chairman of JP Morgan's global market, said that in 2011, RMB deposits increased by less than 2 trillion and 390 billion yuan over the same period last year.

    Two main factors limit deposit growth.

    Trade

    The decrease in capital flows resulted from the decrease in the surplus, and the enrichment of bank financial products made the deposit base dispersed.


    From January, the trend of deposit outflow in the banking sector has not changed.


    Central bank statistics show that financial institutions added RMB loans in January to only 738 billion 100 million yuan, far below market expectations.

    The reason is that in addition to factors such as supervision window guidance, high loan to deposit ratio restricts the lending ability of banks to a certain extent.

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