2014 At The End Of The Three Quarter, The Financial Balance Of The Five Major Banks Broke 6 Trillion.

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Xiaobian network to introduce the five rows of three quarter end of the financial balance of 6 trillion.

Corresponding to the slowdown of the real economy, the net profit of banks has entered a single digit growth. At the same time, the growth of bank financial balance has begun to slow down.

According to the data obtained by journalists from the relevant departments of five major state owned large banks, as of the end of September 2014, the financial balances of ICBC, Bank of communications, CCB, ABC, and Bank of China were about 2.04, (unknown), 1.02, 1.20, and 1 trillion and 40 billion yuan respectively (the diameter was rough statistics, regardless of the statistical caliber of each bank, and may be slightly different from the statistical caliber of the bank performance report). They all broke through the trillions of scale and reversed the negative growth pattern at the end of the one or two quarter of this year.

At the same time, with the expectation of smoothing the deposit volatility through the issuance of financial management in the form, such as guaranteed financial management, structured deposits, etc., in the face of the impact of the assessment index of the deposit departure degree, the proportion of financial management in the five major banks declined at the end of the three quarter.

For this year's

The expected revenue of the product, many people in charge of the bank's information management department, who recently interviewed by the economic news reporters in twenty-first Century, said that the decline of the investment side's earnings will make investors' earnings continue to slide.

Eager to "break through" in the investment side, Sinopec's mix of capital market and related capital investment has become the object of bank financing.

The balance of the five banks is over trillion.

As of the end of the first quarter of this year, the balance of financial products of industrial, construction, middle and agricultural sectors was 15270, 11210, 8753 and 842 billion 200 million yuan respectively, representing an increase of 1870, -334, -1023 and -75 billion respectively compared with the beginning of this year.

Compared with the average annual growth rate of more than 50%, the first time almost all of the four banks' financial balances have declined.

Moreover, the pressure of scale growth is continuing.

By the end of June 2014, the financial balance of labor, trade, construction, agriculture and Bank of China was about 17000, 10016, 9889, 9674 and 932 billion 200 million yuan respectively.

By the end of 2013, the financial balances were about 13400, 7171, 11544, 8497 and 977 billion 600 million yuan respectively.

That is to say, in the first half of this year, the size of the five banks increased by 3600, 2845, -1655, 1177 and -454 billion respectively.

On this scale, not only the scale of financial management varies, but also leads to the reordering of the scale of financial pactions. For example, the size of the bank has surpassed CCB and ABC for the first time, and has become a dark horse.

"As long as China's financial disintermediation continues to deepen, there will be room for growth in the scale of financial management.

However, as the scale of the stock has exceeded 15 trillion yuan, the growth rate will naturally drop. "

Recently, Zhang Xuyang, general manager of information management department of Everbright Bank, told the twenty-first Century economic report reporter that the bank's financial income has been decreasing gradually since the beginning of this year. In addition, the pformation of bank financing to net value pformation has some problems of investor acceptance, which makes new funds less.

However, as a whole, many bank information management departments recently interviewed by our reporter said that bank financing is expected to remain at 20%-30% growth rate.

In fact, according to the statistics of the national banking financial information registration system, as of the end of 6 2014, 498 banks in the country had issued and registered financial products, with 51560 remaining stocks, and the balance of financial capital accounts for 12 trillion and 650 billion yuan, an increase of 23.54% over the end of 2013.

Financial returns will continue to fall.

In mid September, three ministries and commissions such as the CBRC jointly issued the notice on strengthening the management of the deviation of commercial banks' deposits, limiting the behavior of "saving deposits" through bank financing.

However, unlike some of the banks' issuance of guaranteed financial products to smooth deposit volatility, the four biggest guaranteed products fell at the end of the three quarter.

Among them, workers, construction, middle and agriculture decreased from 34%, 33%, 19% and 57% at the end of the two quarter to 27%, 28%, 15% and 40% at the end of the three quarter respectively.

The head of information management department of a state-owned bank explained that this year, the scale of "deposit deposits" in the form of financial management was relatively large. With the introduction of the assessment index of deposit departure, the scale will be controlled.

At the same time, as banks intensify efforts to control high cost liabilities, the issuance of guaranteed capital products has also been reduced.

"The proportion of financial management in the next year will be further reduced."

The deviation of deposit also affects investment in bank financing.

The general manager of a stock investment management department also said that the deviation of deposits is positive to the management of financial liquidity. It may need to have 30% short-term money market tools. Now it may only need 20%. This part of the funds will be converted into medium and long term bonds.

In fact, with the decline of the overall interest rate in the money market and bond market since the beginning of this year, there has been a certain investment pressure on bank financing, especially new capital, and even led to a decline in the middle income of many banks.

Peng Xiangdong, deputy general manager of the Ministry of agriculture and information management, told our reporter that the overall interest rate dropped by this year, such as money market, bond market and so on. There is a lack of investment tools for new financing funds. New funds can be pferred to the capital market and pferred to structured products, which will further examine the investment operation management ability and product innovation and R & D ability of bank financing.

The current strategy is to reduce the proportion of investment in the money market, appropriately increase the bond market and non-standard investment, and also pay attention to the varieties of capital market related to Sinopec's mixed reform and bank preferred stock.

For investors in the fourth quarter of bank financing, a number of bank executives said they might continue to fall.

A person from the Ministry of information and management of Minsheng Bank said that the overall interest rate of the bank's financial assets side is still going down, and the money market and bond market generally account for 1/3 of the total investment, so that the financial returns will also decline.

At the same time, because of the abundant capital, some high quality customers replace the original relatively high cost financing mode to the current low cost loans, issuing bonds and other modes, which will also bring pressure on the investment income of bank financing.

These factors eventually lead to the banks, and the overall expected financial return rate is expected to continue.

"However, the rate of decline in investor returns will surely lag behind and smaller than that.

The rate of decline in revenue is a pressure on middle income. "