At the end of June approved small micro enterprise financial bond more than 260 billion yuan

Beijing on October 22, special telegram (reporter LiuShiPing, SuXueYan) since this year banking continued ascension small micro enterprise financial services. The CBRC statistics show that by the end of June 2012, the banking regulatory commission has rights to small micro enterprise loan special financial bond 262 billion yuan; Late September for small small enterprise loan balance more than 14 trillion yuan, the loan risk overall controlled.

(small title) by the end of June reply small micro enterprise financial bond 262 billion yuan

Last October the CBRC issued notice, explicitly support commercial Banks to issue special for small small enterprise loan financial bond. By the end of June this year, banking regulatory commission has rights to 262 billion yuan for small small enterprise loan special financial bond.

Banker small micro enterprise financial bond, can add a small amount of micro enterprise credit funds, to a certain extent, improve the small micro enterprise financing environment, minsheng bank (6.09, 0.09, 1.50%), Shanghai pudong development bank (7.65, 0.07, 0.92%), societe generale (12.58, 0.15, 1.21%), Beijing bank (7.04, 0.06, 0.86%), Harbin Banks and other small and medium-sized Banks are to apply for the issuance of the small micro enterprise financial bond.

The CBRC relevant person in charge said that since the third quarter of this year, banking further improve the small small enterprise loan differentiation management in risk weighting, deposit-loan ratio, non-performing loans tolerance, etc is certain to give policy support, in the small micro enterprise centralized area batch add specializes in institutions, orderly propulsion meet the conditions of the banking financial institutions to issue small micro enterprise loan special financial bond.

(small title) by late September small micro loan balance is 14.2 trillion yuan

Statistics show that by the end of late September, bank for small small enterprise loan balance is 14.2 trillion yuan, up 18.2%, the loan growth than the average 1.8% higher.

So, new small business loans mainly focus on what areas? Which industries and will continue to focus on the loan support? The banking regulatory commission, said an official with the banking regulatory commission (CBRC) has been focus on leading commercial bank key support conforms to the national industry and the environmental protection policies, which helps to expand employment, have repayment willingness and ability to repay, have commercial sustainability of small micro enterprise financing demand.

"From the data at the end of June to see, small small enterprise loan industry to conform to the supervision policy guidance, the loan balance the top five industry is manufacturing, wholesale and retail, water conservancy, environment and public facilities management, lease and business services, transportation, warehousing, and compared with the postal service. At the beginning, small small enterprise loan increment the top three, is the manufacturing, wholesale and retail, transportation, storage and postal service." The person in charge said.

(small title) by the end of June small micro loan defect rate 2.4%

Since last year, the economic situation at home and abroad influence, the bank small micro enterprise assets quality fluctuate, non-performing loans rebound pressure increases. To this, the CBRC relevant person in charge said that at present, the small small enterprise loan quality is steady, the risk is higher than the average level of enterprise loan, but overall controlled.

By the end of June this year, the bank small micro enterprise non-performing loan balance for 267.9 billion yuan, bad loans 2.4%, a decrease of 13.8 billion yuan a year earlier, down 0.37%; The other according to statistics, by the end of June, commercial Banks non-performing loan balance for 456.4 billion yuan, bad loans is 0.9%.

The banking regulatory commission, said an official with the banking regulatory commission has always attached great importance to the small micro enterprise credit risk management problems, to guide the banking financial institutions to deal with good service small micro enterprises and strengthen the risk management of the relationship, keep risk the bottom line, improve risk management ability. At present, quite a number of Banks have set up a complete set of adapt to the small small enterprise loan risk management concept, mechanism and process, in achieving small micro financial sustainable development has achieved significant results.