In April this year, the China Banking Regulatory Commission issued the Notice on Further Promoting the High-quality Development of Financial Services for Small and Micro Enterprises in 2002/KLOC-0, requiring financial institutions to continue to achieve the goals of "two increases" in annual growth rate and number of households. Among them, the requirements of the five major state-owned banks are: strive to increase the loans of inclusive small and micro enterprises by more than 30% throughout the year.
Previously, Science and Technology Finance Online combed the inclusive finance data of six state-owned banks according to the semi-annual report, and found that at present, only the inclusive finance balance of ICBC and Agricultural Bank increased by more than 30% (for details, please click: Which of the six state-owned banks was more inclusive in the first half of the year? There are four growth rates that have not yet reached the standard).
Today, let's sort out the situation of Pratt & Whitney. Whitney Microfinance, a listed joint-stock bank, see which listed joint-stock bank Pratt & Whitney; Whitney Microfinance is superior in loan balance, growth rate, proportion and number of customers.
Loan balance: China Merchants Bank is the highest and Bohai Bank is the lowest.
By combing the semi-annual reports, in the first half of this year, 10 listed joint-stock banks responded to the call of supervision and made efforts to achieve the goal of "two increases" in loans for inclusive small and micro enterprises.
The data shows that as of the end of June, 2002 10, the balance of inclusive micro-loans of10 listed stock banks totaled about 2.89 trillion yuan, an increase of 13.72% compared with the end of last year. However, this growth rate is much lower than the total growth rate of 25. 16% of the six major banks, which is 1 1.44 percentage points lower.
Specifically, China Merchants Bank, as the "first brother" of joint-stock banks, is also dominant in the balance of inclusive microfinance. The loan balance increased by 65,438+03.12% compared with the end of last year to 57,565,5438+083 million yuan, but the growth rate was less than the overall growth rate of joint-stock banks.
Minsheng Bank ranked second with a loan balance of 485.928 billion yuan, and the balance of Pratt & Whitney small and micro loans increased by 8.38% compared with the end of last year, and the growth rate was also less than the overall growth rate of stock banks.
In contrast, Bohai Bank has the smallest balance of inclusive microfinance, only 54.854 billion yuan. Due to the small base, the balance of Pratt & Whitney small and micro loans of Bohai Bank has the highest growth rate, up to 50.24% compared with the end of last year.
In addition, from the perspective of growth rate, Ping An Bank and Industrial Bank are also banks whose balance of inclusive microfinance has increased by more than 20% compared with the end of last year.
By the end of the first half of 20021,the balance of inclusive micro-loans of Ping An Bank was 343.895 billion yuan, an increase of 22.1%over the end of the previous year; The balance of inclusive small and micro loans of Industrial Bank was 235.64 billion yuan, an increase of 23.25% over the end of last year.
In addition, it is worth mentioning that the balance of Pratt & Whitney small loans of Minsheng Bank, China CITIC Bank, Shanghai Pudong Development Bank and Zheshang Bank all increased within 10% compared with the end of last year.
Among them, Shanghai Pudong Development Bank has the lowest growth rate, only 7.2 1%, and the balance of inclusive microfinance is 290.488 billion yuan.
Loan ratio: Zheshang Bank is the highest and Industrial Bank is the lowest.
Due to the different scales of 10 stock banks, for example, compared with China Merchants Bank, there is a big gap between the total assets and the total loans of Bohai Bank. Therefore, from the proportion of inclusive small and micro loans to total loans, it may be seen that which stock bank issues more inclusive small and micro loans relative to its own scale.
From the data point of view, as of the end of June, 202 1, inclusive students accounted for; The total amount of small loans of Huimin 10 joint-stock banks has increased compared with the end of last year. Among them, four inclusive microfinance loans accounted for more than 65,438+00% of the total loans, namely Zheshang Bank, Minsheng Bank, Ping An Bank and China Merchants Bank.
Zheshang Bank's inclusive small and micro loans accounted for the highest proportion of total loans, reaching 17.44%, accounting for 0.57 percentage points higher than the end of last year.
The bank's Pratt & Whitney Minsheng Microfinance ranked second, up 0.42 percentage points from the end of last year to 12.05%.
Inclusive micro-proportion is the lowest
The smallest increase in the proportion of inclusive microfinance was in Shanghai Pudong Development Bank, accounting for 6. 12%, which was only 0. 15 percentage point higher than the end of last year.
Number of customers: Ping An Bank is the largest and Zheshang Bank is the least.
According to the notice issued by the regulatory authorities, financial institutions should not only ensure the growth rate of the balance of inclusive microfinance, but also put forward growth requirements for the number of customers of inclusive microfinance.
In terms of the number of customers, as of the end of June, 2002 10, the total number of Pratt & Whitney small and micro customers of10 listed joint-stock companies was 3214,200, an increase of 448,200 over the end of last year, with an increase of 16.2%.
At present, only Ping An Bank and China Merchants Bank have more than 500,000 customers. Among them, Ping An Bank benefited the most; Whitney has 7516,000 microfinance customers, an increase of 14.87% compared with the end of last year.
Zheshang Bank has the least customers in inclusive microcredit, with108300, a slight increase of 4. 13% compared with the end of last year.
Judging from the growth rate of customers in inclusive microcredit, Bohai Bank has the highest growth rate, with a relatively large number of customers.
At the end of last year, it increased by 49.94% to 129400.
In addition, the growth rate of inclusive microfinance customers of China Merchants Bank, Huaxia Bank and Industrial Bank is also above 20%. The number of inclusive microfinance customers in these three banks was 620,200, 385,200 and 654.38+024,300 respectively, increasing by 32.09%, 28.53% and 36.89% respectively compared with the end of last year.
The smallest increase in the number of inclusive microfinance customers is China Everbright Bank, which has 38.1100000, an increase of only 2. 12% compared with the end of last year.
Interest rate and non-performing rate
In terms of interest rate, among the six stock banks that have disclosed the interest rate of inclusive small and micro loans, the average interest rate of inclusive small and micro loans issued by Minsheng Bank in the first half of the year was the highest, at 5.37%. But this is already 0.55 percentage points lower than last year, and the average interest rate last year was as high as 5.92%.
Among the stock banks that have disclosed data, Industrial Bank has the lowest average interest rate in the first half of the year, accounting for 4.47%, which is 0.9 percentage points lower than Minsheng Bank.
The average interest rates of China Everbright Bank, Huaxia Bank, Shanghai Pudong Development Bank and China Merchants Bank in the first half of the year were 4.86%, 4.8 1%, 4.8% and 4.79% respectively.
In addition, in terms of non-performing rate, only four stock banks disclosed the non-performing rate of their inclusive small and micro loans in the semi-annual report.
Among them, Minsheng Bank, which has the highest interest rate, has the highest NPL ratio, which is 2.47%. Compared with the end of last year, this NPL ratio decreased by 0.63 percentage points, which is the lowest level in the past three years. However, it is still 0.67 percentage points higher than the NPL ratio of Minsheng Bank (1.8%).
Among the four joint-stock banks that have published NPL ratios, Everbright Bank has the smallest NPL ratio of Pratt & Whitney small loans, only 0.7%, which is 0.66 percentage points lower than the NPL ratio of the whole bank (1.36%).
In addition, the NPL ratio of inclusive small and micro loans of Huaxia Bank and Zheshang Bank was 1.49% and 0.79%, respectively, which was 0.29 percentage points and 0.7 1 percentage point lower than that of the whole bank.
Related Questions and Answers: Related Questions and Answers: Which bank is easier to lend? Learn more about housing loans in first-and second-tier cities, please pay attention to me.
The subject did not specify what kind of loan he borrowed. If it is a mortgage, because there is collateral, generally speaking, as long as the income can meet twice the actual monthly repayment, it can be passed. Of course, you can apply for a job by making the water meet the requirements through part-time work or the like. As long as there is collateral, basically all applications are similar loans.
If it is other bank loans, such as credit loans, this requirement is different.
I suggest you apply for a credit card before applying for a loan. A user without any credit record is equivalent to having no credit in the bank and no good credit record. Therefore, in order to obtain a good credit loan, bank credit must be established in advance. It is best to apply for credit cards, such as Guangfa, China Merchants, Xingye and Pudong Development. These are good credit cards. With this credit card, it will be very helpful for you to apply for a loan if you keep it for half a year.
In addition, if your credit card line is good, you can cash it out by credit card, and use it to complete small loans ranging from 3-5w (primary users), and the interest rate is lower than that of banks.
Bank credit loan requires the borrower's company background, working time, punching company, car and house free of charge. Due to various conditions, the loan will be refused or the interest rate will rise by about 2%-5%. For example, if the company background is good, it can be more than 5% a year, but it is not good. For example, if the company does not go public, it may exceed 8% in less than one year from Shenzhen to 10.
Need to be reminded that if the recent overdue is not continuous, or a few days shorter, it will not have a great impact on credit loans.
Bank loan is a very opaque place with asymmetric information and unclear standards. I suggest you find a reliable loan intermediary through websites such as Rong 360. They have a good relationship with banks, and knowing more products can bring more choices. Never mind their fees, about 3%-5% (depending on your loan qualification) can help you solve the legal use of funds, which is efficient and worthwhile.
I hope these answers can help you