20 17 bank credit policy
20 17 Bank Credit Offering Strategy
Taking deposits and issuing loans are the two most basic businesses of commercial banks. Even under the trend of narrowing interest margin, commercial banks still need to focus on their own operations. At the same time, indirect financing is the main financing channel in China, and commercial banks shoulder the heavy responsibility of financing, and their credit supply is of great significance. At the beginning of the new year, just as commercial banks are planning for the new year, Nandu reporter interviewed the credit leaders of many state-owned banks, joint-stock banks and individual city commercial banks in Guangdong. Many interviewees said that with the increase of uncertainty, the pace of credit supply in 20 17 years will change, and balanced quarterly supply will become common knowledge in the industry. In addition, credit will focus on small and medium-sized micro-credit and consumer loans, and large enterprises and government-supported industrial sectors will also become credit lines? Xiang Bo? .
The credit supply strategy is balanced.
At the beginning of each year, banks and other financial institutions will focus their loan business on June 5438+ 10? A good start? The scale is rushing, but the Southern Reporter learned from the industry that how did the banking industry perform in the first quarter of this year? A good start? The grand occasion is no longer.
Generally speaking, commercial banks tend to increase credit supply in the first quarter of each year, mainly to digest the credit supply plan reached last year, and based on? Early investment early income? Logically, putting credit in the first quarter can earn interest income for a whole year and increase profits.
In the past, banks would make a good start in order to get more income, but in the first quarter of last year, the credit line was relatively loose, and the business with large amount of funds would be completed at this time, and the statements were better. ? The person in charge of Guangzhou Branch of a large commercial bank told Du Nan that the credit strategy needs to be in line with the market, and it is difficult to determine the market situation in 20 17 years.
In China, the economy has entered a new normal and the macro economy is emerging? L shape? Under the background that the trend and economic growth rate are changing from high speed to medium speed, and the economic structure and power growth are in the critical period of transformation, the banking industry will continue to face the challenges of non-performing assets pressure and narrowing bank spreads.
It is worth noting that? Not sure? It has become the most frequently mentioned word by the bankers interviewed.
A person from a listed city commercial bank also told Du Nan that there are too many uncertainties faced by banks this year, and the credit granting strategy for the whole year will be generally conservative. Even the rhythm of 432 1, which banks are generally optimistic about, will change, and lending at the beginning of this year will be slower than in previous years.
It is precisely because the overall situation is unpredictable. In the past, the rhythm of 432 1 (referring to the ratio of 4:3:2: 1 in four quarters), the style formed by the economic upswing cycle has not adapted to the current situation. Although there are abundant funds at present, we still tend to put them in a more balanced way every quarter. ? The person in charge of the Guangzhou branch of a large commercial bank mentioned above said.
The person in charge of the personal loan department of Guangzhou Branch of a joint-stock bank also stressed to the Du Nan reporter that this year's credit supply will be relatively stable, probably in twos and threes, and there will be no rush at the beginning of the year and no shortage of quotas at the end of the year, but the actual supply will depend on the specific market environment at that time.
Policy overweight
In 20 17, the credit strategy tends to be balanced every quarter. From the perspective of credit investment, the four sectors of personal housing mortgage loans, consumer loans, small and medium-sized micro loans and large corporate loans will show a changing trend.
The soaring mortgage is unsustainable and is expected to shrink, which is the understanding of many bankers interviewed. Small and medium-sized micro-loans and consumer loans may become the focus of commercial banks.
At the 20 17 working meeting held recently, the CBRC pointed out that efforts should be made to improve the financial service level of small and micro enterprises, establish and improve various information platforms, vigorously develop government-supported financing guarantee and re-guarantee institutions, and sum up and promote them? Grid service? 、? Silver tax interaction? 、? Silver, tax and insurance interaction? 、? Government-bank cooperation? And other advanced experience. Realize small and micro enterprise loans? Not less than three? Target.
Moreover, in order to promote banks to grant credit to small and micro enterprises, the CBRC recently issued the Notice on Further Strengthening the Due Diligence and Exemption of Credit Granting to Small and Micro Enterprises in Commercial Banks.
In this regard, the head of another joint-stock bank, Guangzhou Branch, told Du Nan that the government is also encouraging banks to increase credit supply to SMEs, such as supporting technology-based enterprises, and has set up a fund pool for credit risk compensation of technology-based SMEs. With the encouragement of policies, we will also increase our support for such enterprises.
The head of Guangzhou Branch of a large commercial bank said that the policy has released the signal that small and medium-sized micro-loans are available, and the bank will continue to support small and medium-sized micro-enterprises with comprehensive financial services such as credit according to the actual situation. Not less than three? Target.
Difficulties to be solved urgently in the development of small and micro loans
However, whether small and medium-sized micro-loans can become a new growth point of commercial banks remains to be further verified by time and market.
The person in charge of SME credit in the grass-roots outlets of a state-owned bank revealed the dilemma in the business to the Du Nan reporter. In fact, it's not that we grassroots salesmen don't want to do it, but that we dare not do it. It is common knowledge in the industry that small and micro enterprises have poor anti-risk ability and fragile capital chain, as well as low returns such as credit. ?
Commercial banks have a set of strict standards for credit approval and accountability after bad performance. Once the risk of small and medium-sized microfinance is formed, it needs to be disposed of and written off. The loss needs further responsibility determination.
A few years ago, after Xiao Wei's poor performance, accountability remained strong. According to the responsibility determination, it may be subject to informed criticism, demotion, and substandard performance appraisal. Therefore, the loan officers employed are very cautious. ? The person in charge of SME credit at the grassroots outlets of the aforementioned state-owned banks said.
Regarding the notice issued by the CBRC, can the credit pressure of grassroots loan officers be relieved? The person in charge of SME credit at the grass-roots outlets of the aforementioned state-owned banks admitted frankly that banks had corresponding due diligence exemption systems before, which relatively eased some pressure. However, the effectiveness of the Notice depends on whether the original system of banks can be further loosened, and the results can only be seen with new implementation rules.
Generally speaking, there is unstoppable demand in the market, and the policy orientation tends to tilt towards small and medium-sized microfinance. However, everything still depends on the market. Without real demand, we can't catch up. The person in charge of SME credit at the grassroots outlets of state-owned banks concluded.
The above-mentioned city commercial banks also said that we paid more attention to the development of small and micro enterprises before, and also formed a complete loan risk control system for small and micro enterprises, so our next step should be to focus on small and micro enterprises. ? Although small and micro enterprises are relatively risky, we will strictly review the qualifications of enterprises applying for loans, including the tax payment of enterprises. This can't be faked, even if it is faked, there is a cost? .
Large enterprises and government projects are more popular.
As the investment focus of banks last year, mortgage will shrink under the pressure of supervision. The person in charge of the personal loan department of the above-mentioned joint-stock bank Guangzhou Branch said that overall, the amount of mortgage loans has been tightened this year, which is different from previous years. This year, the head office will issue the loan quota every month, not too soon.
The loan interest rates of Xiao Wei and consumer loans are relatively high. Last year, everyone was grabbing the mortgage market, and they all made mortgages at low interest rates. This year's market regulation requires that mortgage loans should not be put in too fast, and with policy support, the remaining quota may be biased towards SMEs. The person in charge of the above-mentioned personal loan department said.
Although small and medium-sized enterprises have strengthened their policies, the profits they can bring to banks are relatively thin and risky. ? The person in charge of the above-mentioned sub-branch said, so our focus this year is still biased towards large enterprises, especially large high-quality enterprises with government endorsement and government policy support, which are the targets of competition among banks.
At the regular press conference of the banking industry 9 1 held yesterday afternoon, Hu Hao, deputy governor of China Industrial and Commercial Bank, said that the credit policy of 20 17 will be in accordance with the? Thirteenth Five-Year Plan? Plan and implement four major plates and three supporting belts. Belt and Road? Credit supply. At the same time, focus on supporting the development of strategic emerging industries, including marketing planning, supporting credit policies and various risk control policies.
In addition, Hu Hao said, for? Three to one, one drop and one supplement? Enterprises, on the one hand, eliminate zombie enterprises with poor efficiency, big pollution and backward technology; But on the other hand, it will still support the backbone enterprises in the industry, not across the board.
The head of Guangzhou Branch of the aforementioned large commercial bank told Du Nan that according to the 20 17 work plan of Guangzhou Municipal Government, its branches will focus on supporting industries and regions supported by policies. For example, Guangzhou will build seven advanced manufacturing bases, among which international auto parts manufacturing, integrated circuit industry, intelligent equipment and robots, energy-saving and new energy vehicles, biomedicine and health industry are likely to become key investments this year.
Shen Juan, an analyst at Huatai Securities, said that in the context of tight real estate-related credit supply, government projects are more favored by banks, and government financing platforms and PPP will become the next focus of public loans. With the gradual establishment of PPP projects, the medium and long-term loans of enterprises in new credit have improved.
20 17 ICBC credit policy
Wei, general manager of Corporate Credit and Investment Management Department of Industrial and Commercial Bank of China, said at the regular press conference of CBRC today that ICBC's real estate credit policy should support the stable development of the real estate market.
Regarding loans for real estate development, Wei pointed out: first of all, we must strictly grasp the investment of loans, focus on supporting affordable housing projects and ordinary commercial housing, and strictly control commercial housing, especially prohibiting villa loans.
The second is to strictly implement the regulatory requirements, such as development qualification, project capital ratio and capital authenticity. At the same time, it is necessary to strengthen the management of the use of loan funds, especially to prohibit the payment of land transfer fees through loans.
Third, we should screen real estate customers. Choose the best among the best, and at the same time prohibit having? Fake mortgage? Or? Zero down payment? , blind expansion, high-priced land acquisition and over-financing developers to provide loans.
Fourth, strengthen the classified management of cities, mainly to control the purchase of new housing development loans with higher land prices in hot cities and prevent the fluctuation of the real estate market in hot cities. Carefully grasp the loans of third-and fourth-tier cities with high inventory digestion cycle.
Fifth, we should strengthen the closed management of real estate loans. It is necessary to keep track of existing loans, borrower's operation, capital flow, project construction and sales progress, and monitor mortgage loan handling and development loan repayment.
For development loans, in a word, we should strengthen the management of use and monitor the credit risk of lenders. ? Wei stressed.
As for individual housing loans, Wei pointed out that investment and layout should be grasped around meeting the core needs of residents' self-occupation and improved housing. First, continue to implement the identification of housing units, the down payment ratio, the loan interest rate and the borrower's solvency review. , should be strictly implemented in accordance with the regulatory requirements, and in line with the urban regulatory measures taken by various places, do a good job in the implementation of differentiated restrictions on purchases and loans. Are you under pressure? . Second, we must strictly approve loans. Strictly review the rationality of the housing transaction price, the authenticity of the down payment and the stability of the borrower's repayment ability to ensure the borrower's access. Third, make good use of ICBC's own big data, strengthen supervision over the use and flow of funds, and conduct investigation and early warning of possible situations. Fake mortgage? 、? Down payment? And other potential risks. In particular, it is necessary to control and curb the leverage of speculative real estate speculation and fully meet the needs of residents for self-occupation and improved housing.
Three banks were fined for investing credit funds in the land market.
Suqian Real Estate Network News Under the background that the regulatory authorities prohibit credit funds from investing in the land market, there are still banks that commit crimes against the wind and are therefore fined at high prices.
65438+ 10/6, the website of Shanghai Banking Regulatory Bureau published three forms of administrative punishment information disclosure, involving institutions including Jiangsu Bank Shanghai Branch, Taiwan Bank Shanghai Branch and Shanghai International Trust Company. Among them, Jiangsu Bank Shanghai Branch was fined the highest amount, with a total fine of 4,779,254 yuan.
It is understood that Jiangsu Bank Shanghai Branch was ordered to correct its illegal loan business. The main illegal facts include: 2065438+July 2006, the branch financed Shanghai xx Real Estate Co., Ltd. to pay the land transfer fee; 2065438+In April 2006, the branch financed Shanghai xx Investment Co., Ltd. to pay the land auction deposit.
Regarding the punishment imposed by Shanghai Banking Regulatory Bureau, relevant persons from Jiangsu Bank Head Office told reporters on June 65438+1October 17 that they need to know more about relevant matters before making a statement, but as of press time, Jiangsu Bank has not yet given a reply.
Experts told reporters? I believe that banks will be more cautious about real estate financing next, and the cooling pattern of the land market has been established. ?
Shanghai Banking Regulatory Bureau issued three tickets.
The Disclosure Form of Administrative Punishment Information of Shanghai Banking Regulatory Bureau (No.28 [2016] of Shanghai Banking Regulatory Bureau) shows that the main illegal facts of Jiangsu Bank Shanghai Branch are? 2065438+In July 2006, the branch awarded Shanghai? Real estate co., ltd. financing, used to pay land transfer fees. 2065438+In April 2006, the branch awarded Shanghai? Financing by investment co., ltd is used to pay the land auction deposit. ?
The Shanghai Banking Regulatory Bureau said that according to Article 16 (4) of the Measures for Punishment of Financial Violations and Article 46 (5) of the Banking Supervision Law of the People's Republic of China, it was ordered to make corrections and fined a total of RMB 4,779,254.
It is understood that item (4) of Article 16 of the Measures for Punishment of Financial Violations is? Other loan behaviors that violate the regulations of the People's Bank of China? ; Item (5) of Article 46 of the Banking Supervision Law of the People's Republic of China is? Serious violation of prudent business rules? .
We need to know more about this matter (being punished). We don't know anything at present. ? Relevant persons of Jiangsu Bank Head Office said in a telephone interview with media reporters that they need to know more about relevant matters before making a statement. However, as of press time, Jiangsu Bank has not given any reply.
Lu Wenxi said that the heavy punishment of banks that violate relevant regulations shows the determination of the regulatory authorities to maintain the seriousness of the property market regulation policy and the stable and orderly development of the market. Besides, from all over the world? Two sessions? Revealing the local wind direction of the property market regulation, 20 17 or? Strict? Therefore, strict implementation of relevant regulations will be the main tone in the future.
Expert: The cooling pattern of the land market has been established.
Since 20 16, the regulation policies around the Shanghai property market have been introduced one after another. Shanghai Jiutiao? (i.e. "Several Opinions on Further Improving the Housing Market System and Security System of this Municipality to Promote the Stable and Healthy Development of the Real Estate Market")? Shanghai wicker? (namely "Opinions on Further Strengthening the Supervision of the Real Estate Market in this Municipality to Promote the Stable and Healthy Development of the Real Estate Market") and other measures, further strengthen market supervision, strengthen law enforcement, standardize market order, resolutely curb the excessive rise of housing prices, and ensure the stable and healthy development of the Shanghai real estate market.
In the supervision of the source of funds for commercial housing land transactions, Shanghai wicker? To stipulate bank loans, trust funds, capital market financing, asset management plan allocation, insurance funds, etc. It shall not be used to pay the land bid bond, deposit and subsequent land transfer price. When applying to participate in land bidding, auction and hanging activities, bidders should promise that the source of funds is compliant self-owned funds. In violation of the provisions, the bidding or competitive qualification will be cancelled, and the bid bond paid will not be refunded. It is not allowed to participate in the bidding, auction or transfer of the right to use state-owned construction land in Shanghai within three years.
2065438+0165438 On March 3, 2006 10, the self-discipline mechanism of Shanghai market interest rate pricing issued the Resolution on Practically Implementing the Spirit of Shanghai Real Estate Regulation and Promoting the Orderly Operation of the Real Estate Financial Market, further requiring all commercial banks to strictly implement the Shanghai real estate regulation and control policies and maintain the order of the real estate financial market. At the same time, commercial banks are also required to effectively prevent all kinds of funds such as credit, especially wealth management funds from entering the land market illegally.
In fact, since 20 16 and 12, housing enterprises have become cautious and standardized in taking land. Judging from the signals released by the management, the follow-up housing enterprises not only have difficulties in land financing, but also may face tension in other financing. ? Experts said that banks are expected to be more cautious about real estate financing next, and the cooling pattern of the land market has been established.
65438+ 10 15, then Shanghai mayor Yang Xiong pointed out that he insisted? The house is for living, not for speculation. Positioning, strengthening the regulation of the real estate market, strictly implementing the regulation policies, and promoting the stable and healthy development of the real estate market.
It is worth noting that there was another 0 new supply in Shanghai's new housing market last week. Judging from the recent new supply in the market, it shows a continuous downward trend. It can be seen that the developer's willingness to sell before the Lunar New Year is quite light.