Financial Pfusion Entity Business Path Change

< p > in Jiangsu and Zhejiang provinces where the pressure of overcapacity is high and small enterprises are concentrated, many banks reflect that at present, many enterprises borrow 50% to 70% of their debts, not investment.

Since the beginning of this year, the demand for new loans has been greatly reduced. The reason is that the willingness to invest in manufacturing industry is generally not strong.

During the economic downturn, the highly indebted enterprises have fallen into the cycle of raising funds and paying debts, while the normal ones prefer to close the door after the loan.

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< p > for banks, it is normal for good projects to be difficult to find.

A senior bank executive said frankly, "in the economic downturn, lending well is the ability.

Banks must find new lending routes and wind control models. "

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< p > in fact, the lending path of banks has been quietly changing.

For example, in the past, banks have difficulty in putting loans on the basis of their lack of collateral, but now some banks try to jointly guarantee the "government + banks", or the Government recommends guarantee guarantees.

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< p > adjustment of credit structure is also interacting with industrial structure adjustment.

Liu Renjie, Senior Credit expert of Jiangsu branch of ICBC, said: "the structural adjustment of bank credit and upgrading of industrial structure should be interactive, and some aspects are adaptive and some aspects are leading.

For steel, cement, solar energy, photovoltaic, glass and other industries, banks have implemented more stringent management, put forward the target of reducing production capacity this year, and implemented classified guidance and stricter requirements.

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< p > for ICBC, Liu Renjie said, "our credit to small businesses is trying to adopt the marketing mode of" Development Zone + small and medium-sized enterprise customer groups "in the areas of provincial and national development zones, supply chain core customers, upstream and downstream industries, industrial clusters and so on, and adopt various guarantee modes such as" platform enterprise guarantee + risk guarantee fund "," mortgage pool "," guarantee + small loan guarantee insurance "and so on.

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< p > the relevant person in charge of the Ningbo banking regulatory bureau said, "as of the end of 6, the scale of new loans in Ningbo's banking sector was about 60000000000 yuan, unchanged from last year, but the structure has changed.

In line with the adjustment of industrial structure, many of our banks have made some loans in the medium and long term loans through the cooperation of silver and silver certificates, and put them into the credit demand of small and medium-sized enterprises.

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"P" in the treatment of the old problem of high financing cost, Zhu Dashu, deputy governor of Jiangsu bank, said, "reducing the cost of enterprise financing should minimize the channel of structured financing business, such as the business model of silver card before, and only adopt the silver or silver letter mode at present."

In addition, the rate of compressing the channel side will be negotiated by the head office to determine the benchmark cooperation rate of trust and assets.

At present, the rate of single bank trust channel of Jiangsu bank has been reduced to more than 3/1000 from two years ago to 7/10000.

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< p > the tolerance of non-performing loans is also easing.

In Jiangsu Province, the credit default rate of some small banks has exceeded 2%, a high level in ten years.

"In the past, if a defective credit product reaches 2%, it should be reformed or stopped, or the approval authority is collected, but at present, the tolerance rate for the single credit product is 2% to 3%."

Xu Xiaofei, deputy governor of Nantong branch of Agricultural Bank of China, revealed.

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< p > although a href= "http:// www.sjfzxm.com/news/index_c.asp" > financing cost < /a > has been tried hard to compress, the current financing environment of enterprises is still not very good.

Statistics show that the average lending rate of small and medium enterprises in Jiangsu is up to 8% of the benchmark interest rate. Among them, the technology assets of light assets are generally floating 10% to 15%.

The interest rate of bank loans in Zhejiang is similar to that of other banks.

Besides undertaking the interest rates of banks, enterprises need to undertake other financing fees, such as guarantees.

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< p > "in terms of financing, at present, our bank loan interest rate is about 7.8%. If we add guarantee fees and other expenses, the financing cost of the whole enterprise will be above 10%."

Lu Jianhui, director of Jiangsu Ge Mei hi tech Development Co., Ltd.

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< p > > a href= "http:// www.sjfzxm.com/news/index_c.asp" > economic structure < /a > pformation and adjustment period, the design and guidance of banking supervision system is facing the test of rationalizing allocation of market resources.

The difficulty of lending and lending is not only a problem of banks, but also a problem of regulators.

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< p > at present, < a href= "http:// www.sjfzxm.com/news/index_c.asp" > bank lending < /a > ability is constrained by three aspects of liquidity, desirable credit scale and capital adequacy ratio.

"The state has provided a lot of support to banks in terms of financing for small and micro businesses and" agriculture, rural areas and farmers ", including refinancing, directional reduction, and so on. The sources of bank funds have been alleviated, but the loans in the bank account have to be occupied by capital. Therefore, it is not excluded that some banks are still inclined to make off balance sheet financing, and real estate and financing platforms have raised the cost of capital through the off balance sheet financing of banks. This just suppresses the small and micro businesses that banks need to support.

Some analysts think so.

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< p > there are also bankers who have disclosed that "lowering the credit and easing the loan to deposit ratio can really release part of the credit fund. However, under the control of the scale of the central bank's voluntary credit, coupled with the sluggish market, banks will rather take these funds to do some high-yield asset allocation in the short term, rather than lend money."

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< p > "under the control of the size of the central bank's agreed credit scale, our loan to deposit ratio is only 61%. Even if there is capital, we can not lend it all."

A senior executive of a joint-stock bank in Zhejiang said frankly, "therefore, some banks that are restricted by the size of loans will not be excluded. They would rather take the funds released from the loan to make other high-yield asset allocation and make more profits, rather than lend to the real enterprises. This will definitely affect the original intention and effect of the regulation."

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