The supply of credit continued to "reserve", which has attracted the supervisor's attention.
A listing people familiar with the bank told the the first financial daily reporter, about the middle of October, the central bank  initiative, asked why the supply of credit is slow.
In "preset fine-tuning" policy has released new signal of the background, 2011 years in the future 2 months credit whether "fine-tuning" becomes the market a big focus.
Our reporter found calculation, if we are to achieve the credit for 7.5 trillion on the level, the average monthly level in the fourth quarter will achieve 600 billion yuan. Three quarters of the data for 503.7 billion yuan.
However, in view of the monetary policy would not whole steering, the agency's mainstream judgment is, credit will not fully open.
In addition, the deposit-loan ratio restriction factors is also the new loan scale trend variables.
Year-end relax expectations
Yesterday, the China Daily quoted analysts said, four quarter credit policy may relax.
Previously, media reports said, before October 20 days, four big do new loan scale only in 80 billion yuan or so, 21, and 27 tumbled, to 60 billion yuan.
There is concern that the "preset fine-tuning" signal it is in this time of release.
October 24 to 25,, the state council premier wen jiabao in tianjin research the deployment of the above, and stresses the need to keep the total amount of money and credit reasonable growth. Last weekend's standing committee of state council reiterated that demand.
The people familiar with the bank to our reporter says, October on the half-way mark, commercial bank credit on small scale caused by the central bank's special attention.
According to the analysis, October before paragraph the new credit smaller there are two main reasons why, in addition to the National Day holiday, the central bank credit for the size of the prudent supervision and banking regulatory commission deposit-loan ratio constraint, restrict the ability of the bank credit supply.
The central bank data shows, the new September 470 billion yuan RMB loans, below market expectations.
This newspaper has reported previously, some place where money is very hungry appeared, appear even the mayor "forced" bank lending.
Prevent economic entity "blood transfusion" shortage, this is to promote credit "directed loose" a big concern.
economicanding committee of state council put forward is, credit policy and industrial policy to better together, make sure that have keep pressure.
Use the money on the blade, this also is to make sure national key project under construction, the need for the funds allocated to the meanings.
Bank entanglements
The central bank data shows, in the first three, the RMB loan increased 5.68 trillion yuan, an increase of 597.7 billion yuan less. Of these, only 3 months and 6 months of credit incremental year-on-year increase in more.
According to the arrangement of the new loans early yuan dimensions calculation, the supply of credit in the fourth quarter this year and 1.82 trillion yuan scale, or the average monthly 600 billion yuan.
Comparison of the 2010 fourth quarter, new RMB loan size is 1.65 trillion yuan, the average monthly 550 billion yuan.
If this year and several other than in 600 billion, yuan theory scale is also a "huge". The third quarter, the supply of credit on average slightly more than 500 billion yuan.
A joint-stock Banks plan to our reporter who finance department, said the central bank reserve model according to the difference between early window guidance and determine the bank credit scale, with four quarter 50 billion yuan can be used, but the deposit-loan ratio constraint and in the future the new loan scale depends mainly on deposit increment.
Our correspondent in carding banking three found quarterly reports, many listed bank deposit and loan than already nearing their regulatory red line, in the third quarter, appear even deposit outflow phenomenon.
So, there may be, some Banks loanable fund is extremely limited, lenders have desire.
Over allfunction reference is the best recent credit trends portraiture.
Everbright bank chief macro analysts ChengHongQing said overall steady overall situation won't change, but will carry on the structural adjustment of the credit. For example, increase the supply of credit to small and medium enterprises, improve the defective rate tolerance, etc.
" The total credit can't completely opening the gate. If relaxed, may lead to the already curb inflation turned up." ChengHong is expected ,In October new RMB loans are in 500 billion yuan or so, two months also remained at that level, the whole year new loans to achieve 7 trillion yuan of above.
UBS securities research report released yesterday also says, whether  the consideration of the capital , or the end of the yield of loans to consider, the bank itself is not great urge to large-scale lending




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