Executives consider more "steady growth," the measures, the financial times yesterday in a report shows, in late April this year, just released a document CBRC, require Banks to lend in steel trading enterprise must further improve vigilant.
According to the documents, the CBRC urged, the bank must be accurate assessment export decline, domestic real estate and cars to steel demand and weak demand steel trade enterprise business impact.
In addition, the CBRC warned, steel traders to bank loan used in steel and relevant business-sometimes use the same collateral to different financial institutions receiving a loan. Banking regulatory commission (CBRC) said, the steel demand, they take of borrowed money for risky investments, "this leads to excessive financing, with steel market risk emerge, it may enable the bank of bad debt, serious damage suffered financial security".
According to market analysts said, 2008-2009, the global financial crisis period, China has launched 4 trillion yuan help city policy. Meanwhile, many massive bank lending, to a lot of money into the economy. And steel enterprise is in 2008 the largest beneficiary of the stimulus plan. But it is because in a hurry to these steel trading enterprise expansion high debt, excessive risk exposures.
"This (Ed note: the above documents) remind people, if China's official relax to the financial industry regulatory approval, a new round of investment project, risk could suddenly broke out." The report said.
Similarly. Before another report quotes a close to regulatory, according to the people familiar with the macro economic downturn, commercial Banks' non-performing loans pressure increases day by day, the banking regulatory commission has asked workers, farmers, and built into five large commercial Banks self audits classifying loans into five categories. Self-examination results have been reported to the end of June regulatory agencies.
"Self-examination scope includes five large bank at the end of 2011 and all of all related loan category five classification the authenticity and accuracy." The person familiar with the deal said, a move aimed at exposed credit risk, this from another aspect also shows that regulatory bank assets to the quality of worry.
The so-called loan quality category five classification, that is, according to the risk degree will be divided into five types of loans: normal, attention, subprime, suspicious, losses, after three for bad loans.
According to the 2011 report done, at the end of 2011, workers, farmers, in, in the building, the bad loans balance is respectively 73 billion, 87 billion, 63 billion, 71 billion and 22 billion yuan, total 316 billion yuan.
And at the end of 2011, icbc, the construction bank, bank of China and the outstanding balance of the loans in the agriculture bank, respectively for 7.8 trillion, 6.3 trillion, 6.3 trillion, 5.4 trillion and 2.6 trillion yuan, five bank loan total aggregate size of about 28 trillion yuan, accounting for half of China's banking loan balances jiangshan above.
In fact, over the past three years, as local financing platform credit problems such as temperature, about 2008 and 2009 led to massive bank lending bank asset quality scores of debate, there has been no end.
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