"Sagittarius" to control the credit scale of China's small banks worry and worry
This month in March, China's eastern Zhejiang Province, a county town of rural credit director Pharaoh had a little bit of collapse, although the higher leaders with the central bank central branch of the successful completion of a modest increase in the size of the first quarter of the opportunity, but compared to primary farmers and businesses small The amount of loans to the strong demand, the amount of some increase is a drop in the bucket.
To Pharaoh's credit cooperatives, for example, according to the local central bank requirements, the first quarter of the scale of loans for 300 million yuan, equivalent to 100 million per month, the branches can be deployed on their own rhythm. Pharaoh frankly two months before the strong demand for loans, did hold the "first let go," the chances, the results did not significantly exceeded in March, and ultimately had to transfer some of the credit assets out to compress scale.
"Last year is not so severe scale indicators, this year is obviously not the same," Pharaoh said that the local central bank to control the scale of credit and MPA (macro prudent management system) is not unrelated to the official assessment, but support the three rural and small micro- Direct and most effective small banks, because the scale of credit itself is small, the indicators are difficult to swap each other, "one size fits all" approach is not appropriate.
According to Pharaoh introduced, similar to rural credit cooperatives such local banks in the loan on the basic have a common point, that is, about 60% -70% annual credit indicators will be completed in the first quarter, especially in Jiangsu and Zhejiang these small micro-enterprise height Developed areas, "small bosses are like to borrow money at the beginning of the year and then go out to do a year of business."
As for why farmers do not find a large local bank branch loans, the reason can be described as well known: grass-roots farmers business loans to tens of thousands to more than ten million, few collateral and comprehensive rate of return is relatively low, leading to large banks on the lending prudent Attitude, more business power is still insufficient.
"Big banks have indicators of loans put out, we want to put but no indicators, this year I am below a town branch loans are currently added 120 million, the Agricultural Bank of the county did not increase so much." Pharaoh quite depressed Said, "the control index is simply tailor-made for the state-owned, but the most injured is that we really call the real economy of small banks, so special Biequ."
What makes him annoyed is that they want the central bankers to visit the grassroots farmers real business needs, according to the actual situation and then in the end there is no need to adjust the scale of credit indicators, "in previous years have come, this year do not come "
To Pharaoh's credit cooperatives, for example, according to the local central bank requirements, the first quarter of the scale of loans for 300 million yuan, equivalent to 100 million per month, the branches can be deployed on their own rhythm. Pharaoh frankly two months before the strong demand for loans, did hold the "first let go," the chances, the results did not significantly exceeded in March, and ultimately had to transfer some of the credit assets out to compress scale.
"Last year is not so severe scale indicators, this year is obviously not the same," Pharaoh said that the local central bank to control the scale of credit and MPA (macro prudent management system) is not unrelated to the official assessment, but support the three rural and small micro- Direct and most effective small banks, because the scale of credit itself is small, the indicators are difficult to swap each other, "one size fits all" approach is not appropriate.
According to Pharaoh introduced, similar to rural credit cooperatives such local banks in the loan on the basic have a common point, that is, about 60% -70% annual credit indicators will be completed in the first quarter, especially in Jiangsu and Zhejiang these small micro-enterprise height Developed areas, "small bosses are like to borrow money at the beginning of the year and then go out to do a year of business."
As for why farmers do not find a large local bank branch loans, the reason can be described as well known: grass-roots farmers business loans to tens of thousands to more than ten million, few collateral and comprehensive rate of return is relatively low, leading to large banks on the lending prudent Attitude, more business power is still insufficient.
"Big banks have indicators of loans put out, we want to put but no indicators, this year I am below a town branch loans are currently added 120 million, the Agricultural Bank of the county did not increase so much." Pharaoh quite depressed Said, "the control index is simply tailor-made for the state-owned, but the most injured is that we really call the real economy of small banks, so special Biequ."
What makes him annoyed is that they want the central bankers to visit the grassroots farmers real business needs, according to the actual situation and then in the end there is no need to adjust the scale of credit indicators, "in previous years have come, this year do not come "