After experiencing the “regain†of credit in July, the scale of new loans in August has been enlarged. According to sources, although the overall scale of credit has increased this month, individual banks have begun to control the lending of corporate loans, and bank credit tightening is increasing in the second half of the year.
The above-mentioned person said that as of August 20, the new RMB loan was 400 billion yuan, and it is estimated that the new loan will be around 500 billion yuan. However, as individual commercial banks will move the loan from the table to the off-balance sheet at the end of the month by selling loans, this may cause distortion of the new loan data.
A commercial bank official revealed that due to the rapid growth of new RMB loans in the first half of the year, a large state-owned joint-stock commercial bank recently issued a notice requesting that the monthly loans “only receive no loansâ€, intending to reduce the scale of new loans. There are also large state-owned joint-stock commercial banks that have begun to sell stock loans and transfer loans from the balance sheet to off-balance sheet, resulting in a decline in the size of new loans in the month.
From the data of joint-stock commercial banks, although the loans of small and medium-sized joint-stock commercial banks in July showed a rapid decline, even the new loans of Bank of China, Huaxia, China Everbright, CITIC and Minsheng had negative growth, but new loans for small and medium banks this month. The tightness of the delivery has eased, especially as some small and medium-sized bank loans have shown some vitality, and the willingness to place credits has strengthened.
The industry believes that this is closely related to the recent policy orientation to strongly support the financing of SMEs. As a joint-stock commercial bank serving SMEs, it began to “do something†in August.
This judgment was also confirmed by the joint-stock commercial bank. According to insiders of the bank, since the capital adequacy ratio is lower than the regulatory requirements and the deposit-to-deposit ratio exceeds the red line, now some small and medium-sized joint-stock commercial banks have to shrink the loan scale, and the loans for small and medium-sized enterprises. Delivery has become the “sole export†for corporate credit.
Despite this, in the second half of the year, the overall monetary policy tightened the signal, the overall tightening of credit, the difficulty of financing small banks from the banking system is increasing, and the capital prices of private financing began to rise. It has been reported that the current private lending rates in Shanghai, Wenzhou and Shenzhen have risen from the previous monthly interest rate of 6 points to a maximum monthly interest rate of 10 points.
In addition, the money market interest rate has also risen to some extent in the near future. Insiders pointed out that the central bank's dynamic fine-tuning did not change the liquidity situation, but it had an important impact on the money market interest rate, making the interbank market interest rate significantly accelerated. The data shows that the 7-day interbank offered rate in the first half of the year was basically maintained at around 1%. After the central bank implemented the policy of fine-tuning, the inter-bank lending rate in the interbank market once rose to more than 2%, currently at around 1.4%.
The above-mentioned person said that as of August 20, the new RMB loan was 400 billion yuan, and it is estimated that the new loan will be around 500 billion yuan. However, as individual commercial banks will move the loan from the table to the off-balance sheet at the end of the month by selling loans, this may cause distortion of the new loan data.
A commercial bank official revealed that due to the rapid growth of new RMB loans in the first half of the year, a large state-owned joint-stock commercial bank recently issued a notice requesting that the monthly loans “only receive no loansâ€, intending to reduce the scale of new loans. There are also large state-owned joint-stock commercial banks that have begun to sell stock loans and transfer loans from the balance sheet to off-balance sheet, resulting in a decline in the size of new loans in the month.
From the data of joint-stock commercial banks, although the loans of small and medium-sized joint-stock commercial banks in July showed a rapid decline, even the new loans of Bank of China, Huaxia, China Everbright, CITIC and Minsheng had negative growth, but new loans for small and medium banks this month. The tightness of the delivery has eased, especially as some small and medium-sized bank loans have shown some vitality, and the willingness to place credits has strengthened.
The industry believes that this is closely related to the recent policy orientation to strongly support the financing of SMEs. As a joint-stock commercial bank serving SMEs, it began to “do something†in August.
This judgment was also confirmed by the joint-stock commercial bank. According to insiders of the bank, since the capital adequacy ratio is lower than the regulatory requirements and the deposit-to-deposit ratio exceeds the red line, now some small and medium-sized joint-stock commercial banks have to shrink the loan scale, and the loans for small and medium-sized enterprises. Delivery has become the “sole export†for corporate credit.
Despite this, in the second half of the year, the overall monetary policy tightened the signal, the overall tightening of credit, the difficulty of financing small banks from the banking system is increasing, and the capital prices of private financing began to rise. It has been reported that the current private lending rates in Shanghai, Wenzhou and Shenzhen have risen from the previous monthly interest rate of 6 points to a maximum monthly interest rate of 10 points.
In addition, the money market interest rate has also risen to some extent in the near future. Insiders pointed out that the central bank's dynamic fine-tuning did not change the liquidity situation, but it had an important impact on the money market interest rate, making the interbank market interest rate significantly accelerated. The data shows that the 7-day interbank offered rate in the first half of the year was basically maintained at around 1%. After the central bank implemented the policy of fine-tuning, the inter-bank lending rate in the interbank market once rose to more than 2%, currently at around 1.4%.
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