Late September loan balance growth 16.39% overall controllable risk

Reading · found economic operation of the trajectory
- to 9 banking financial institutions at the end of the outstanding balance of the loans 65.46 trillion yuan, a year-on-year increase of 16.39%, stable investment and consumption
- to credit to adjust to guide and promote industrial structure adjustment, effectively promotes the our country the changing of economy development mode
Fox banking loans risk overall controlled: by the late September banking financial institutions bad loans for 1.63%, a slightly down last month
Our newspaper Beijing on October 24 report (reporter OuYangJie) issued by the China banking regulatory commission today data show that at the end of September this year, banking financial institutions the outstanding balance of the loans amounted to 65.46 trillion yuan, a year-on-year increase of 16.39%. All the new loans of 797.3 billion yuan, 242.2 billion yuan more than year-on-year increase. At the same time, the banking risk resistance capacity increase. By late September, banking financial institutions bad loans is up to 1.63%, a slight decrease in late last month, Commercial bank bad loans is 0.97%, and the basic flat at the beginning.
From the credit structure to see, the banking industry to increase the key industries and key areas of credit support, support emerging industrial development, indemnificatory comfortable housing project construction and consumption, continuous increase agricultural credit and small small enterprise loan on the dynamics, constantly optimize the credit structure, and effectively supported the entity economy.
Since this year, banking regulatory commission (CBRC) through the supervision policy and window guidance, and guide the national banking financial institutions to implement new industry policy. The first three quarters of this year, the state development bank and five state-owned commercial bank new emerging industry loans 131.7 billion yuan. By late September, six bank emerging industry loan balance is 938.5 billion yuan.
Personal consumption loans steady growth, a big luminescent spot, especially the personal housing mortgage loans appear restorative growth. In September, banking financial institutions personal housing mortgage loans increased by 108.3 billion yuan, 1.3 billion yuan more than last month increase; Among them, the commercial bank personal housing mortgage loans increased by 100.2 billion yuan.
Small micro enterprise financial services continuous improvement. Since this year, banking regulatory commission (CBRC) encourage banking financial institutions to actively carry out financial service innovation, strengthen the accord with national industry and the environmental protection policy, market, demand, have the prestige, sustainable operation of small micro enterprise financial support, especially to export-oriented, innovative small micro enterprise credit support, reasonable pricing, and further reduce the financing cost. As at the end of the third quarter, banking financial institutions for small micro enterprise class loans, including small small enterprise loan, small small business loans and individual and industrial and commercial door loans, the outstanding balance of the loans amounted to 14.18 trillion yuan, accounting for 31.77% of all outstanding balance of the loans. Meanwhile, small micro enterprise non-performing loan balance of 331.8 billion yuan, a decrease of 9.1 billion yuan a year earlier, non-performing loans rate 2.78%.
In recent years, the CBRC constantly improve the rural financial service system, guide the banking enrich agriculture financial products and service mode, increase agricultural credit availability strength. By the end of June this year, agriculture loan (excluding bill financing) balance, 16.29 trillion yuan more than ShangNianMo an increase of 1.67 trillion yuan, up additional 149.1 billion yuan, a year-on-year increase of 21.6%, more than the loan (excluding bill financing) average 7% higher growth.


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