Highly concerned about the bad bank loans rise

Zhang makes the loan total assets increased dilution results. In this case, measure the risk of non-performing loans ratio has lost its meaning. Accurate method is to look at the situation appropriate absolute amount of non-performing loan growth. The first three quarters of non-performing loans of banking financial institutions increased by 50000000000 yuan, the total stock of bad loans is 10.4%, the growth rate is amazing and terrible. more terrible is, the three quarter non-performing loans increased by about 24000000000 yuan, accounting for the first three quarters of the new 48% of the total, accounting for all the stock of bad loans. The ratio of the two more terrible. This shows that China's non-performing loan growth in the rapid rebound of non-performing loans, the growth trend in acceleration. The bad bank loan growth where The author thinks, mainly in the following aspects: one is the part of the loan financing platform where the overdue situation the formation of non-performing loans, the two is real estate loans by the regulation effect and the occurrence of bad loans in the acceleration, three small and medium enterprises and farmers, non-performing loans rapid growth. Four is the steel trade group of loan risk. Of course, also includes a small number of large enterprises, state-owned enterprises individual occurrence of overdue loans. More should pay attention to is, for bad loans real integrity before three quarter is in doubt. If there are some basic line because of fears that the data of non-performing loans or phenomenon accountability, hiding or delay the report of non-performing loans, these are very likely to. fortunately, in late October the CBRC held the third quarter of the financial situation analysis meeting, CBRC Chairman Shang Fulin pointed out that "some sectors of the credit risk has been exposed", and require banks to layers of investigation of potential risk, according to the "insurance policy is a" actively promote and cooperate

As of the end of 9, the balance of bad loans of financial institutions in the banking industry has exceeded 481000000000 yuan, which means that the first three quarters of the banking industry of new bad loans has more than 50000000000 yuan, of which only the third quarter, non-performing loans increased by about 24000000000 yuan 10:21 2012-11-9.

Third quarter of new bad loans accounted for the first three quarters of new bad loans 48%, the analysis from the curve, non-performing loans are rising trend is very clear. Is expected in the fourth quarter of the non-performing loans of financial institutions in the banking industry growth will continue to accelerate. In this regard, must have a high level of vigilance and attention.

Throughout the development of the banking industry before the three quarter, its characteristic is very obvious, namely: profit farewell "high growth", the non-performing loan fierce look up. Although the first three quarters of the banking industry profits reached 800000000000 yuan, accounting for more than half of the listing Corporation profits, however, profit growth in the collective reduction. Three of the Quarterly Bulletin shows that, the big 5 banks before the three quarter net profit achieved a growth rate of more than 10%, but with the same period last year by nearly 10 percentage points. From a macro perspective, the decline in economic growth caused by, is the enterprise decline, to curb the expansion of bank lending, reducing the profit growth. From the internal cause, narrowing of interest rate spreads directly restrict bank profit growth.

Pay close attention to the rise of bad loans in the banking as of the end of 9, the balance of bad loans of financial institutions in the banking industry has exceeded 481000000000 yuan, which means that the first three quarters of the banking industry of new bad loans has more than 50000000000 yuan, of which only the third quarter, non-performing loans increased by about 24000000000 yuan 10:21 2012-11-9. third quarter of new bad loans accounted for the first three quarters of new bad loans 48%, from the curve analysis, non-performing loans increased very. Is expected in the fourth quarter of the non-performing loans of financial institutions in the banking industry growth will continue to accelerate. In this regard, must have a high level of vigilance and attention. throughout the Business Development Bank of the three quarter situation, its characteristic is very obvious, namely: profit farewell "high growth", the non-performing loan. Although the first three quarters of the banking industry profits reached 800000000000 yuan, accounting for more than half of the listing Corporation profits, however, profit growth in the collective reduction. Three of the Quarterly Bulletin shows that, the big 5 banks before the three quarter net profit achieved a growth rate of more than 10%, but with the same period last year by nearly 10 percentage points. From a macro perspective, the decline in economic growth caused by, is the enterprise decline, to curb the expansion of bank lending, reducing the profit growth. From the internal cause, narrowing of interest rate spreads directly restrict bank profit growth. Growth in profit decline at the same time adverse, banking loan has seen rapid growth. Of course, commercial banks and financial institutions in the banking industry's non-performing loan ratio flat and a weak decline. As of the end of 9, the commercial bank non-performing loan rate of 0.97%, with basically the same as at the beginning of the year; non-performing loans of financial institutions in the banking industry was 1.63%, compared with the beginning of the year will decline further. But must realize, this is the size of the loan expansion

The decline in profit growth at the same time, the non-performing loans of financial institutions in the banking industry was the rapid growth trend. Of course, commercial banks and financial institutions in the banking industry's non-performing loan ratio flat and a weak decline. As of the end of 9, the commercial bank non-performing loan rate of 0.97%, with basically the same as at the beginning of the year; non-performing loans of financial institutions in the banking industry was 1.63%, compared with the beginning of the year will decline further. But must realize, this is the size of the loan expansion makes loans to total assets increased dilution results. In this case, measure the risk of non-performing loans ratio has lost its meaning. Accurate method is to look at the situation appropriate absolute amount of non-performing loan growth. The first three quarters of non-performing loans of banking financial institutions increased by 50000000000 yuan, the total stock of bad loans is 10.4%, the growth rate is amazing and terrible.

What is more, the three quarter non-performing loans increased by about 24000000000 yuan, accounting for the first three quarters of the new 48% of the total, accounting for all the stock of bad loans 5%. The ratio of the two more terrible. This shows that China's non-performing loan growth in the rapid rebound of non-performing loans, the growth trend in acceleration.

Bad loans in the banking sector growth in where? The author thinks, mainly in the following aspects: one is the part of the loan financing platform where the overdue situation the formation of non-performing loans, the two is real estate loans by the regulation effect and the occurrence of bad loans in the acceleration, three small and medium enterprises and farmers, non-performing loans rapid growth. Four is the steel trade group of loan risk. Of course, also includes a small number of large enterprises, state-owned enterprises individual occurrence of overdue loans. More should pay attention to is, for bad loans real integrity before three quarter is in doubt. If there are some basic line because of fears that the data of non-performing loans or phenomenon accountability, hiding or delay the report of non-performing loans, these are very likely to.

Fortunately, in late October the CBRC held the third quarter of the financial situation analysis meeting, CBRC Chairman Shang Fulin pointed out that "some sectors of the credit risk has been exposed", and require banks to layers of investigation of potential risk, according to the "insurance policy" to actively promote and cooperate with the treatment principle of key risk, in view of the key key areas of industry, increase the risk of collection, verification. Commercial banks are investigating various industries loans, is thoroughly bad loans growth state. Diagnostic investigation is the premise, is the means, is the key to the loan risk to quickly develop the collection and countermeasures. For example: the preservation of assets must be preserved; the through legal channels to collect, must enter the legal procedures as soon as possible; the responsibility person responsibility, must be resolutely investigated.

In short, the non-performing loans of financial institutions in the banking industry rapid rebound trend must attach great importance to and alert. In the past in order to state-owned bank restructuring and listing, countries have to pay for the bad loans on in the final analysis, is the nation's pay. Never let the people for the bad loans of commercial banks to pay.

News links:The key risk, the focus of industry, regional risk, increase recovery efforts to write off. Commercial banks are investigating various industries loans, is thoroughly bad loans growth state. Diagnostic investigation is the premise, is the means, is the key to the loan risk to quickly develop the collection and countermeasures. For example: the preservation of assets must be preserved; the through legal channels to collect, must enter the legal procedures as soon as possible; the responsibility person responsibility, must be resolutely investigated. anyway, adverse to the banking financial loans rapid rebound trend must be highly valued and. In the past in order to state-owned bank restructuring and listing, countries have to pay for the bad loans on in the final analysis, is the nation's pay. Never let the people for the bad loans of commercial banks to pay. news links1031_23802933.shtml http:finance.chinanews.comfortune201210-314291322.shtmlHttp://www.ce.cn/macro/more/201210/31/t20121031_23802933.shtml

Http://finance.chinanews.com/fortune/2012/10-31/4291322.shtml

Source: (Http://blog.sina.com.cn/s/blog_45554c9a0102e842.html) - highly concerned about the bad bank loans rise _ Yufeng Wai _ Sina blog