Bank loans were cast in the who?

Yesterday (January 15th), according to the "Shanghai Securities News" reported that, as of January 12th, the workers and peasantsIn the construction ofFour line new RMB loans of about 320000000000 yuan, significantly higher than the same period last year 270000000000 new. According to the "daily economic news" reporter recently learned, at present first-tier cities of consumer loans and housing loans are not completely relaxed.

Open upFunds are invested in what areas? Yesterday, a joint-stock banksTold reporters, at present more emphasis on business loans.Another company for the personage expresses to the reporter, now the main job of small micro loans and individual industrial and commercial households credit loan, the annual interest rate is about 20% in the.

"Because of the state control of real estate loans, now our bank loan tend mainly to business loans, and many banks mortgage loan size are reduced, mainly with national policy." A joint-stock bank sources.

Reporters recently in Beijing area to understand, many banks and not to let go at the beginning of the scale of housing loans, many banks housing mortgage loans lowest interest rate as the benchmark interest rate, only a small number of bank housing mortgage loans at a discount.

"We haven't do housing loans, lower interest rates. Now the main job of small micro loans and individual industrial and commercial households credit loan, the annual interest rate is about 20% in the." A joint-stock bank sources told reporters.

To support the real economy development has been the important position of the national financial. In 2013 July, the State Council issued "financial state of the ten" (i.e. "on financial support for economic restructuring and the transformation and upgrading of the directive opinion") requires integration of financial resources to support Small and micro businesses development. Continue to support qualified banks to issue Small and micro businesses special financial bonds; gradually promote the securitization of credit assets routinization, dish vivid capital support Small and micro businesses development and adjustment of the economic structure; improve the Small and micro businesses loans non-performing loans tolerance.

Yesterday the central bank issued the 2013 financial data display, in 2013 the new 8.89 trillion yuan loans, an increase of 687900000000 yuan. At the end of broad money (M2) growth of 13.6%, the narrow money (M1) growth of 9.3%. Market participants said, basic data with the central bank to control objectives, but slightly lower than market expectations. One bright spot is that, M1 growth rate increased significantly, show business activity improved markedly.

At the beginning of the bank lending pressure

Understand according to the reporter, many banks at the end of 2013 impact point and tighten lending. But in order to flush the size of loans in the new year, usually at the end of last year will be some loan signing, and then at the beginning of the year to lending, which is at the beginning of this year a new reason for the substantial increase in loans. At the same time, because of the new loan scale assessment, a new year so, banks want earlier put out loans, "early lending early benefit."

A securities company senior bond analyst expresses to the reporter, recently, he went to a large state-owned bank repayment, the bank said repayment will be required before a month, "shows that the bank lending business at the beginning of the pressure is relatively large."

Understand according to the reporter, some customers apply for loans at the end of the year at the end of 2013, but were not successful at the beginning of this year on loan, and get the loans, housing loans in the restart, after all the banks pay more attention to quality assets loans.

According to a bank customer manager told reporters, if in accordance with the requirements of personal credit loans, the maximum loan 500000 yuan, if the indicators meet, the fastest one week to get loans.

Said Xi Junyang, deputy director of the Shanghai University of Finance and Economics modern financial research center yesterday to accept the "daily economic news" interview with reporters, now the bank profit pressure is relatively large, branches below to early have index, set the size of the loan, so the beginning of each loan growth is relatively fast. Wait until the end of the season or year, consider the regulatory factors, bank lending will decline in number.

"The main bank loans to won't have very big change, now change the whole macro economy is relatively stable, should be similar to 2013, banks will lend according to the development prospects, industry profit ability, recovery is smooth and other factors." Xi Junyang said.

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