Reporter Lu Xianbing reports from Shenzhen
With the expectation of national industrial structure adjustment, the credit structure of the banking industry is also accelerating adjustment.
"Our credit this year, the dropout rate is about 10%, and Kengriffe shoes are concentrated in six industries with overcapacity, which will be further adjusted next year, while the credit amount of energy and environmental protection industries will increase, which is expected to increase by 70%." 1February 28th, China Merchants Bank said.
Another bank, Industrial Bank, also tends to express the direction of green credit adjustment next year, hoping to increase the expansion of carbon finance. By the end of 1 1 in 2009, Industrial Bank had issued a total loan of13.737 billion yuan to emission reduction projects, and the sales of griffey shoes had a certain foundation.
According to the sources of China Merchants Bank, although the support for government financing platforms will be maintained at 20 10, the proportion will not exceed 7%, and the types of platforms for loans from "shell" city investment companies will be strictly restricted. In addition, consumer credit companies will be the main target of the bank.
Coding green credit
Near next year, the green credit line will exert its strength and begin to realize its credit direction.
12 2 1, the French Development Agency and the Ministry of Finance of China signed a memorandum of credit intention on two French green intermediate projects. This project supports national renewable energy and energy efficiency projects in China.
A major green project in China Merchants Bank and Cooperative Credit Bank of France. China Merchants Bank said that the loan will be used to support domestic industrial enterprises to carry out renewable energy and energy efficiency projects, and state-owned enterprises and private enterprises can apply for loans from investment banks. Businessman, company
The above shows that with the adjustment of the national economy and industrial structure, banks will also increase the adjustment of industrial credit and commercial credit in the industry next year. Among them, green finance (green energy) is what China Merchants Bank will increase its support next year. He believes that with the shortage of energy, green industries such as new energy and energy conservation will be the most promising industries in the next 10 year, and banks will increase loans to such industries next year.
According to reports, by the end of 2009 1 1, the balance of green credit of China Merchants Bank (renewable energy, clean energy and environmental protection industry loans) was 28.9 billion yuan, and the initial goal was to increase it to 500 billion yuan next year.
Industrial Bank credit also paid attention to the green industry. Tang Bin, deputy general manager of Industrial Bank, said that the bank's credit industry guidelines for next year have not yet been issued, but they are very supportive of green industries and low-carbon economy. industrial bank
1February 29th, the latest data of footwear industry in Faye Wong shows that by the end of 2009 1 1, Industrial Bank had issued a total of 187 loans for energy-saving projects, with Nike shoes, Nike shoes, etc. put in an amount of13.737 billion yuan. China can save 85010.78 million tons of standard coal, Nike Dunkhheels, 26 griffeys, reduce carbon dioxide emissions by 853,400 tons, reduce chemical oxygen demand by 42.82 million tons and utilize solid waste by 472,500 tons every year. Tang Bin said that since the operation of this business, so far, the quality problems of loan assets for all energy-saving projects have not occurred, and the loan income level is at a good long-term project level. cautious
Development loan
Recently, the relevant ministries and commissions of the state clearly listed the steel, cement and flat glass industries as six surplus industries, and the CBRC suggested that we should lend cautiously to avoid risks. In view of this, the restructuring of banking institutions and credit industry will follow next year.
People from the Risk Management Department of Ping An Bank told this newspaper that the bank will be more cautious in emerging industries. For industries such as flat glass, polysilicon and wind power equipment, the bank will not give loans, and industries such as steel, cement, Templeton and coal chemical industry will undergo mergers and acquisitions, and Ping An will give support to some industries with greater M&A opportunities. A loan. Judging from the actual credit this year, infrastructure and real estate development loans have grown rapidly. In order to prevent risks, Ping An Bank will limit these two types of loans next year.
Feedback from other banks said that the specific adjustment plan for the credit industry will be introduced early next year, but some banks have drafted preliminary guidance documents for the loan marketing industry. Businessman, Nike high heels, company
According to the aforementioned sources, the bank has drafted a "Guidelines for Marketing Industry". According to this guideline, in 20 10, in addition to energy and environmental concerns, infrastructure loans (government financing platforms) will remain certain. Government financing platforms can be divided into three categories, one is urban infrastructure, the other is land development, and the other is financial platforms. This year, regulators have been reminded of the credit risk of government financing platforms many times, but people who watch it think that it should be classified. China Merchants Bank will still provide credit for urban infrastructure and land development next year, but it will limit the financial platforms for loans. "Many financial platforms are the shells of urban investment companies."
The guideline also proposes that China Merchants Bank will increase the credit supply to industries and enterprises in the service industry with strong production and sales of consumer goods and good development momentum.
However, in terms of real estate development loans, China Merchants Bank has become cautious. The person from China Merchants Bank said that there is no plan to increase the proportion of development loans next year, and the amount of development loans will be reduced in the case of shrinking total credit. "Next year, the state will definitely restrict real estate through taxation, financial instruments and so on." He said worriedly.
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