Following the "78" of the four major banks, small and medium-sized banks supported the policy of private enterprises.
■ Reporter Mao Yuzhou
Following the four major banks in the middle of November a policy to support private enterprises, measures to support private enterprises, such as the Industrial Bank and China CITIC Bank, were also introduced in the past week.
CITIC Bank said it will accurately support the region of the Yangtze River Delta, the Delta region of the Pearl River and the economic belt of the Yangtze River, where the private economy is active and actively supports strategies that emerge in emerging industries such as the Internet, new energy , new materials and high-end equipment. The Industrial Bank said it would increase the supply of loans to private enterprises, increase the promotion and promotion of lending products to private enterprises, focus on expanding private funding channels, will continue to improve the non-financial business system, and will promote profit reduction.
Rescue private enterprises
Small and medium-sized banks in action
Private companies expect new one-to-two loans. In new corporate loans, large banks do not have less than a third of loans to private enterprises, and small and medium-sized banks have less than two-thirds. After three years of competition, loans to the banking industry of private enterprises accounted for less than 50% of new corporate loans.
Subsequently, four state-owned state-owned banks took the lead in implementing a policy to support private enterprises, a total of 78. In recent days, many shareholding banks are intensively supporting private enterprises.
CITIK Bank has issued 14 initiatives, including strengthening bonds, enriching capital financing services, adapting international financial services to private enterprises, and actively tracking innovative services, such as credit and investment links and science and technology funds.
The Industrial Bank has issued 19 members to support private enterprises, including its comprehensive operational advantages and competitive advantages in the investment banking sector, promoting the success rate of issuing bonds to high-quality private enterprises, promoting the return of financial interest rates and the use of non-financial instruments and enterprises for financing the debt of enterprises. Tools, such as securitization of assets, help private companies to optimize their balance sheets by financing bonds and stocks.
Jiangsu Bank has launched 20 support for private enterprises, added the credit score and weighs for private enterprises to the estimate, gave special incentive incentives for private enterprises, focusing on the number of customers and new loans and stimulating institutions to support private enterprises. Enthusiasm.
Everbright Bank has launched five major initiatives to support private enterprises: First, achieve four "one-sided" ones to support the development of private enterprises, second, to explore the establishment of debt-to-equity funds to optimize the structure of assets and liabilities of private enterprises; third, to allocate special credit lines to support outstanding private enterprises. Development, the fourth is to give the game the advantages of both seats in the Mainland and Hong Kong and effectively reduce the cost of financing, and the fifth is to give a game of industrial advantages and to work with private enterprises to achieve winning results .
Zheshang Bank recently said it would increase the placement of private enterprises in the next year, and put about 130 billion yuan, and further increase the percentage of private financing.
According to the Securities Reporter, at present, many banks have added the number of new clients and loan amounts to private enterprises in the assessment of the client managers and implemented them to individuals.
Banks add credits to a private company
More than 30%
According to the statistics of the Securities Diary, at present, the percentage of loans to private enterprises in the banking industry is more than 30%, and most of them are still 50%.
Starting from the end of September 2018, the balance of private enterprises loans to the Industrial Bank amounted to 518.8 billion yuan, which is 11 percent from the beginning of the year, and private enterprises account for 36 percent. In the same period, Everbright Bank's credit balance of China's private enterprises reached 386.3 billion yuan, an increase of 49.5 billion yuan at the beginning of the year, representing 39% of the total loan growth, and the rate of growth is higher than the average growth rate of loans to the entire bank. The balance of private corporate loans of CITIC Bank was 731.5 billion yuan, accounting for 38% of public loans, the balance of general loans was 123.2 billion yuan, an increase of 38.4 billion yuan.
It is worth noting that Minsheng Bank is focusing on Xiaowei and has achieved remarkable achievements in private enterprise loans. Data show that from the beginning of this year, Minsheng Bank added 150 billion yuan to public loans, of which more than 75% are used to support the development of private enterprises. In the Minsheng Bank's public lending balance, loans to private enterprises have already occupied half of the country.
Since the large state-owned bank, since late October, there were almost 80,000 private enterprises with a pool of ICBC funding, an increase of 8% compared to the beginning of the year, representing almost 80% of the total number of financing companies, and the financial the balance is 2.1 trillion yuan; The interest rate was 4.7%, representing a significant decline of 5.37% at the end of the first quarter.
Since the end of September this year, China has supported 537,000 clients for lending to private enterprises, with a credit balance of 1.53 trillion yuan, representing 30.18% of the total balance of the domestic loan. (Daily Securities)