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The Balance Of Non-Performing Loans Has Been Rebounded For Ten Consecutive Quarters. The CBRC Has Strictly Introduced Bad Dual Control.

2014/5/1 11:48:00 30

In the first quarter of April 29th, the economic and financial situation analysis (TVS) released by the CBRC in April 29th will release a strong sense of crisis in the regulatory and banking circles. The pressure of non-performing loans constantly rising is becoming the sword of Damour and Chris hanging on the head of China's banking industry. 
Shang Fulin, chairman of the China Banking Regulatory Commission (CBRC), reiterated the guiding opinions on the prevention and control of non-performing loans issued by the CBRC in March this year. The opinions require that all banking financial institutions should find out the risk situation of key areas, industries and customers, strengthen the situation judgment, and formulate a reasonable "double control" target for the balance and ratio of non-performing loans. 
P a href= "http://www.91se91.com/news/index_c.asp" > CBRC < /a > after years of strengthening the "double control" management, a cruel reality is that the non-performing loans of China's banking financial institutions have been rising for 10 consecutive quarters. The first quarter of 2014 is worse than that of 2013, and the four non-performing loan rates are close to or 1%. 
On the same day, Shang Fulin warned bank executives to have a clear understanding of the grim situation, P said. In the framework of risk supervision, the increasing credit risk and financing platform, real estate, non-standard debt business, liquidity and market risk constitute the six major risk management problems that the banking industry should deal with urgently. 
Less than P, it is noteworthy that the CBRC again referred to the request of commercial banks to sort out the basic situation of import trade financing. Earlier, the CBRC has conducted a quick investigation of the import iron ore trade financing situation below the local banking regulatory bureau, pointing to the arbitrage phenomenon and the currency idling in the long term domestic iron ore trade. 
 in addition, the risk of non-standard creditor's rights business is still the top priority of the CBRC's next regulation. In April 29th, the CBRC reiterated that it is necessary to standardize management according to the essence of the business, and actively resolve the potential risks of non-standard creditor's rights business. No matter what its requirements on the scale and proportion of interbank business control, or the separation provisions between financial management and credit business, it can be regarded as the specific implementation of a series of supervisory requirements in the first half of 2014. 
 10 quarter rebound 
China's < a href= "http://www.91se91.com/news/index_c.asp" > Finance < /a > stability report 2014 also mentioned the hidden danger to the quality of banking assets in China. As of the end of 2013, the balance of non-performing loans of the banking financial institutions was 1 trillion and 180 billion yuan and the non-performing loan ratio was 1.49% at the end of 2013. Among them, the balance of non-performing loans of commercial banks was 592 billion 100 million yuan, an increase of 99 billion 200 million yuan over the end of last year, which has been rising for 9 consecutive quarters, and the non-performing loan ratio is 1%. 
 and on the basis of quarterly information disclosed by the major listed banks, the bad balance of the banking sector continued to rebound in the first quarter. 
 bad can be temporarily covered up, paying attention to loans and overdue loans are more "forward-looking". At the end of 2013, banking financial institutions were concerned about the balance of loans of 2 trillion and 910 billion yuan, paying attention to the loan rate of 3.69%, overdue loans 1 trillion and 140 billion yuan, an increase of 203 billion 900 million yuan over the end of last year. 
In the first quarter of 2014, the situation was more severe than P. In big cases, the first quarter of the CCB increased by 5 billion 500 million yuan compared with the end of last year, which was equivalent to 50% of the total increase in last year. The agricultural bank added 4 billion 210 million yuan in the bad first quarter and increased by 1 billion 933 million yuan last year. 
 "bad pressure is relatively large, overdue loans mainly concentrated in Wenzhou, Hangzhou and Shanghai. At present, the bad features have been gradually spanmitted from southeast to North China. A head of the risk management department of the stock exchange told the economic report twenty-first Century. 
"P", "Chairman Shang asked banks to support enterprise spanformation, and avoid the" one size fits all "lending, stopping lending and pressure lending, resulting in the breakup of enterprise capital chain. In April 29th, a local banking regulatory authority said that in his speech, he specifically mentioned the joint credit management mode in Jiangsu, which is worth learning from. 
Before P, the CBRC has requested banks to give full play to the incentive and guidance role of performance appraisal, and establish a long-term mechanism to prevent and control non-performing loans, so as to prevent the rapid rebound of bad loans and maintain a relatively stable ratio of non-performing loans. 
 "for the" double control "target of non-performing loans, the CBRC will emphasize more on bank compliance requirements, especially on grass-roots compliance operations. The above local banking regulatory bureau personages analyzed. 
Less than P, it is worth noting that in April 29th, the CBRC made clear that it is necessary to strictly guard against credit risks in the real estate market. There are two risks: first, personal mortgage loans, the CBRC calls for continued implementation of the real estate regulation policy and differential housing credit policy; two, development loans and land reserve loans, the CBRC specifically proposes to strengthen the management of operational property loans and real estate credit risk subarea management. 
 "requires all localities to study the impact of price changes on banks in different regions." A regulatory official responded to rumors that regulators were still holding down 20% of their home prices and still holding risks. 
 < a > href= > http://www.91se91.com/news/index_c.asp > > financial business < /a > > twenty words policy > effluent > /strong > /p >
 for the same business, the April 29th meeting put forward that we should effectively control the scale and proportion of interbank business and return the same business to the essence of liquidity management. At the same time, we should promote the reform of the specialized sector system of interbank business in an orderly way. 
 prior to that, the CBRC issued a notice on matters related to strengthening the supervision of non-standard bond assets investment in rural small and medium financial institutions (the Banking Regulatory Commission (2014) 11), which raised the limitation of interbank size, that is, the balance of non-standard assets invested by its own or interbank funds should not exceed 30% of the liabilities of the same industry; the total balance of non-standard assets investment (financial capital plus self owned and interbank capital investment) should not be higher than the 4% of the total assets disclosed in the audit report of the previous year. 
 for financial services, people familiar with the matter revealed that Shang Fulin emphasized the twenty character policy of "independent accounting, risk isolation, behavior standardization, centralized management and classified management". 
 the so-called independent accounting, that is, each financial product as an independent accounting entity to establish separate accounts and separate accounting separately; risk isolation, that is, the separation of financial services from credit business, separation of proprietary business from customer service business, separation of financial products from third party financial products sold by banks, and separation of bank financial products, and separation of financial operations from other business operations of banks. 
 for the trust business, the regulatory body emphasizes that it is necessary to strengthen compliance management, adhere to the positioning of trust products, strictly enforce the standard of qualified investors, and do well in the risk investigation of the remaining projects. For Entrusted loan business, we must firmly grasp the essence of the intermediary business of the entrusted loan, clarify the management responsibilities, and do a good job of risk isolation between self loans and entrusted loans. 
 the central bank's report also indicates that the phenomenon of "rigid payment" is contrary to the market principle of "seller's responsibility and buyer's conceit", which not only encourages moral hazard, but also raises market risk free capital pricing, causing unreasonable allocation and flow of funds among different markets. (