Wednesday , May 18 2022

Following the "Four" of the four major banks, small and medium-sized banks accept private business policy to access each other –


Following the "4" of the four major banks, small and medium-sized banks accept private business policy.

■ Reporter Mao Yuzhou

The four major banks supporting shareholders have also joined the last week to support private businesses and the Central Bank and the Chinese CITIC Bank.

CITIC Banks actively support the Delta region of the Yangtze River, the Pearl River Delta and the Yangtze River Economic Ring, where the active economy is actively engaged in the private economy and is currently supporting the industrial strategy, such as Internet, new energy, new materials and high-end equipment. The Industrial Bank will increase credit supply to private companies, promote private and promotional product financing by expanding private companies' financing channels to improve the non-financial business system and reduce profits.

Refusal of private companies

Action for small and medium-sized banks

Private companies are expecting more "one-two" loans. In new lending businesses, large banks do not have a third of the loan for private companies, and small and medium-sized banks have less than two thirds. After three years of the competition, bank loans for private companies were less than 50% of new corporate businesses.

Subsequently, the four leading banks in the country participated in the launch of a policy to support private companies 78. In recent days, among private equity banks, private companies strongly support it.

CITIC Bank published 14 initiatives, including enhancing bail services, enriching equity financing services, adapting international financial services to private businesses and actively developing innovative services such as lending and investment links and science and technology funds.

The Bank of Industry has published 19 articles to support private companies, comprehensive operational benefits and competitive advantages in the banking sector, including the promotion of high-quality commercial issuing rates, the promotion of interest rate financing and the use of tools and financial instruments to finance non-financial instruments. Tools like asset securitization tools can companies optimize their stock markets to finance bonds and stocks.

Jiangsu Bank launched 20 support services for private companies. In the evaluation, credit indicators and weights were added to private companies, the special rates of incentives for private companies were assigned to customers and new loans and private entities. initiatives

Everbright Bank initiated the five main initiatives to support private companies: First, to obtain four "sudden" support to private companies development, second, to consolidate the debt funds to optimize the structure of the liability of private companies; Third, assign special credit lines to private companies. Development; The fourth is to play two continental continents and two local advantages in Hong Kong, effectively reducing the cost of financing; The fifth is to support the industrial advantages and in collaboration with private companies to achieve the results of the winners.

Zheshang Bank has recently said it would increase the attitude of private companies for the next year and increase 130 million yuan and increase the proportion of private funding.

According to the "Daily Values" report, many banks have added the number of new clients and the amount of loans to private companies to the clients 'managers' assessment and to the individuals they have implemented.

Banks add private business loans

More than 30%

According to statistics from the "Daily Values" report, the proportion of loans to private companies currently in the banking industry is greater than 30% and most of them are 50%.

At the end of September 2018, the balance of Loans granted by the Bank of Industry amounted to 518.8 million yuan, up 11% since the beginning, and private companies accounted for 36%. At the same time, China's Everbright Bank's private equity loan amounted to 386.3 million yuan, up 49.5 billion yuan at the beginning of the year, 39 percent of the total increase of the loan and the growth rate was higher than the average loan growth rate of the entire bank. The CITIC Bank Private Loans Loan accounted for 731.5 million yuan, 38% of public lending, a total loan balance of 123.2 million yuan, 38.4 million yuan.

Minsheng bank has been focused on Xiaowei and has made significant advances in private equity loans. Data show that from the beginning, Minsheng Bank has added 150 million yuan to public loans, of which more than 75% are used to support private companies. In Minsheng Bank's public lending balance, private companies have already occupied half the country.

At the end of October, at the end of October, almost 80,000 private companies with ICBC financing balances grew 8% at the beginning of the year, about 80% of the financing companies and a balance of funding of 2.1 trillion yuan; The interest rate was 4.7%; At the end of the first quarter there was a significant drop of 5.37%.

At the end of September this year, China approved loans of 537,000 private customers, a loan balance of 1.53 trillion yuan, of 30.18% of total domestic loans. (Values ​​Day)

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