78 "dry goods" in four major lines in a week to support private enterprises
發(fā)布時(shí)間:[2018-11-18 16:11:26] 瀏覽量:4601次
Bank of China "20", ICBC "10", Agricultural Bank "22", CCB "26" ... Within a week, major banks have issued a new round of financial support measures for private enterprises, unprecedented strength.
On November 15th, CCB issued a notice, proposing 26 measures to further increase support for the development of private and micro enterprises from the eight aspects of service implementation of central policy requirements, strengthening credit policy support, optimizing performance evaluation, and differentiated credit policies.
The actions of the banks are highly consistent with the request made by Guo Shuqing, party secretary of the People's Bank of China and chairman of the China Banking Regulatory Commission in an interview. A number of commercial bankers said further expansion of credit to MSMEs was in line with market trends and demand and a good opportunity for banks to restructure their credit structures.
Take the opportunity to restructure the credit structure
"The goal of the '125' is guiding. As a business organization, banks have not received regulatory documents or clear assessment methods. We believe that this is the current private enterprises encounter certain difficulties, the regulatory level hopes that commercial banks to increase financial support for private enterprises. "Lixinbin, deputy general manager of ICBC's financial business department, told reporters.
The industry interviewed by the reporter pointed out that the recent regulatory authorities have proposed to further increase the lending to private enterprises and small and medium-sized enterprises, which is also a good opportunity for commercial banks to adjust the credit structure and meet the future development direction.
"The regulators did not say '125' was the indicator of regulation," said Caojiangtao, head of company operations at Pudong Development Bank. "In fact, we will try to go in that direction even if we do not mention specific figures. He explained that the private economy is relatively large in the domestic economic structure. Since banks serve the real economy, they must comply with the market. This is also the internal driving force for bank restructuring and transformation.
"ICBC needs to add billions of yuan in new loans each year. In addition, there are more than 2 trillion yuan in refinancing. Such a large amount of money needs good investment. With the market's demand for personal mortgage loans slowing down, state-owned enterprises deleveraging and local government debt strengthening regulatory management, small and medium-sized enterprises are undoubtedly a good place for bank credit. "ICBC Vice President Huhao analyzed.
It is understood that the bank of China, construction bank, industrial and commercial bank loans to private enterprises account for the balance of all public loans about 30 %.
We 've got a move on the 125.
Before that, banks have already taken some measures, such as ICBC and 100 private companies signed the "general agreement" and so on. In the past week, the new measures of the big commercial banks represented by the four major actions have landed one after another, and some joint-stock banks are studying and deploying new measures.
For example, ICBC has recently studied and deployed a number of new measures to support the development of private enterprises, including 10 specific measures to promote the landing of cooperative customer service at the head office level, improve the distribution of private enterprise financing regions and industries, and make good the maturity of private enterprise stock financing.
While proposing the "22" targeted measures, Agbank made it clear that the growth rate and increment of private enterprise loans will steadily increase from next year, and strive that the increase in private enterprise loans will account for the proportion of new corporate loans after three years.
In terms of equity banks, "the Pudong Development Bank is also active in the near future and will soon issue guidance on supporting private companies to improve their financial services capabilities. "Caojiangtao revealed. Everbright Bank proposed six "put in place" to improve the effectiveness of serving small and micro enterprises and private enterprises.
Risk prevention has its own experience
There are concerns that massive support for private companies will lead to a rise in bad rates. In fact, as a market-oriented operation of the bank, for risk prevention has its own set.
"The goal of increasing the share of loans to private companies will not allow Pudong Development Bank to reduce the approval conditions. Caojiangtao stressed that Pudong Development Bank treats private enterprises and state-owned enterprises equally and will strictly implement relevant system measures in loan review and approval.
Looking at the banking sector as a whole, providing financial support to micro and private companies does not necessarily mean that risk magnification must accompany it. In fact, there are some small and medium-sized banks in China, focusing on small and medium-sized services, private enterprises, has formed business characteristics, asset quality is stable all year round.
For example, Taizhou Bank, which specializes in serving private companies, and Zhejiang Tailong Commercial Bank, more than 90 % of credit funds are invested in the private economy, while asset quality is maintained at an excellent level all year round. At the end of September, the bad rates of both banks were much lower than the average bad rates in Zhejiang Province.
The reason for this, Huangjunmin, president of Taizhou Bank, said that small banks and many small businesses in the same area, there are many links between each other. With the advantages of system, popularity and geography, the information between banks and enterprises is highly symmetrical and the cost of information search is extremely low, which overcomes the original lack of information.
Tyrone Commercial Bank combines "running grassroots" and "running data" to master customer "soft information" and "hard data", and actively introduces external data such as industry and commerce, justice, anti-fraud, customs, blacklists, real name certification, and taxation.
But for the big bank, where the traditional model makes it difficult for the customer manager to sink to cover a large number of small and micro businesses, the progress of related businesses is more challenging. The vice president of CCB, Zhanggengsheng, admitted at the regular news conference of the banking industry on the 15th that because of the large number of micro and small enterprises, if the past style of play is used, it will be too difficult to prevent and control.
"But China Construction Bank has a new approach to management, especially in the use of technology. "Daiyueming, president of CCB Anhui Branch, said that in the past, a customer manager managed 20 to 30 customers and felt that he had reached the limit; Now a customer manager can handle two or three hundred customers. Because risk management is now based on models and early warning.
