Behind The Four Big Days Of Soaring Deposits

　　 Rising 2 trillion and 200 billion in one month Four lines Heaven deposits truth.

At the end of the six months, the growth of the four banks' deposits and loans is also related to the regulatory constraints such as the quota and loan to deposit ratio. The growth of deposits is much faster than the growth of loans. On the one hand, it reflects the increase of financial appropriation, and on the other hand, it shows the substantive relaxation of interbank regulation.

In June this year, the four major bank loans increased by about 290 billion, an increase of 20 billion over the same period last year.

And 2 trillion and 200 billion of deposits increased by nearly trillion over the same period last year.

June all Financial institution The increase of deposits may reach 3 trillion, while the new loans may reach 950 billion in the same period.

At the end of the six months, the effect of time assessment appeared on schedule. The reporter learned that deposits in the four largest banks increased by 2 trillion and 200 billion in June, and loans increased by about 290 billion during the same period. It is estimated that in June, the increase of all financial institutions' deposits may reach 3 trillion, while the new loan volume may reach 950 billion during the same period. The Bank of Jin Research Center expects loans up to 1 trillion and 100 billion in that month.

The four largest banks increased their loans by 290 billion in June this year, 20 billion more than the same period last year. Compared with the four largest banks in May, the new credit increased by 253 billion. However, the difference in deposit growth is even more obvious. In June this year, the increment of 2 trillion and 200 billion increased by nearly trillion compared with the same period last year.

Some analysts said that the increase in the number of deposits and loans of the four major banks was related to the restriction and restriction of the loan amount and loan to deposit ratio. The growth of deposits was much faster than that of loans. On the one hand, it reflected the increase of financial appropriation, and on the other hand, it also showed substantial relaxation of inter industry regulation.

In the first five months of this year, financial institutions increased RMB loans by 4 trillion and 660 billion, an increase of 10.7% over the same period last year. According to statistics from the Bank of China International Financial Research Institute, from the perspective of loan structure, the new medium and long term loans in May were 2 trillion and 810 billion, accounting for 60.3% of the new RMB loans, up 8 percentage points from the same period last year.

Bank of China International Financial Research Institute believes that loans increased in the first half of the year. On the one hand, the "steady growth" policy was launched, and the demand for loans rose. On the other hand, it was related to the governance of shadow banking and off balance sheet financing.

At present, the market is more optimistic about new loans in the whole industry in June. The analysts expect that M2 growth will rise to 13.8% in June, 950 billion in the whole industry in June, 3 trillion in deposits, and that deposits and M2 growth will exceed market expectations.

The bank's Gold Research Center is expected to be more optimistic. It is expected that in June, the domestic and foreign loans will be increased by about 1 trillion and 100 billion yuan, and the balance at the end of the month will grow by 14.1% over the same period last year. On the basis of its analysis, the reasons for stabilizing the real economy, improving the neutrality of prudent monetary policy, reducing the directional reserve ratio and the gradual release of refunds are the main reasons for more loans.

Specifically, the first is the improvement of the real economy, the improvement of the Manufacturing Purchasing Managers Index, the slight increase in the value added of the industry, the increase in the potential financial demand of the society, and the two is that the central bank's intention to reverse the cycle operation is gradually clear, the open market has been continuously put into the net, the interbank market funds are relatively abundant, and the three is that the directional deposit reserve has a large impact on the reduction of the reserve fund, and the loan amount is gradually released, and the credit capacity of banks is enhanced.

For the next commercial bank lending trend, a number of research institutions are expected to be generally stable. The Bank of China International Financial Research Institute predicts that the new loan scale will be stable in the three quarter. Affected by the policy of "directional reduction and quasi reduction", the credit structure will show more positive changes, which will encourage more funds to invest in the fields of agriculture, rural areas and farmers, small and micro enterprises, etc.

Bank financial research center is also expected in the second half credit The central bank will continue to play a counter cyclical moderating role of macro Prudential policy and support the development of key areas and the adjustment of economic structure.