On September 28th, at the Banking Frontier Issues Lecture Hall held by the China Banking Association, Xiao Yuanqi, the director of the second supervisory department of the China Banking Regulatory Commission, said that the non-performing loan tolerance of small business credit could be raised to 5%. However, relevant experts believe that although this measure has certain incentive effects on commercial banks, it is still difficult to solve the financing problems of small enterprises. Small and micro enterprise loan non-performing rate can reach 5% In May 2011, the China Banking Regulatory Commission issued the “Notice on Supporting Commercial Banks to Further Improve Small Business Financial Services†(hereinafter referred to as “Silver Tenâ€), and because the specific implementation rules have not been introduced, the non-performing loan tolerance of small enterprises is mentioned. How high is always an unknown number. Xiao Yuanqi said, "From the international experience and the actual situation in China, the non-performing loan ratio of small and micro enterprises is 3 to 5 percentage points higher than other. We also believe that the non-performing loan tolerance of small business loans can be Raised to 5%. This is already much higher than the current average NPL ratio of commercial banks is less than 2%." At the beginning of July this year, the Ministry of Industry and Information Technology and the four ministries and commissions issued the "Standards for the Standardization of SMEs", which divided the standards for medium, small and micro enterprises. In this document, industrial enterprises with less than 300 employees and operating income of 20 million yuan are classified into small and micro enterprises. In recent years, many commercial banks have stepped into the small and micro enterprise market and strive to promote transformation. The data shows that, including state-owned commercial banks and joint-stock commercial banks, 109 commercial banks nationwide have established franchisees. According to incomplete statistics, the newly added micro-enterprise loans of the franchises of major commercial banks have exceeded 60% of the new small and micro enterprise loans of the whole bank. 80% to 90% of the customers in some city commercial banks are small and micro enterprises, and the average household balance is mostly less than 1 million yuan. Small business loans increased by one trillion yuan in the first seven months Xiao Yuanqi said that as of the end of July, the balance of small business loans of banking financial institutions reached 9.85 trillion yuan, 2.4 times that of 2008, accounting for 28.9% of the total corporate loan balance; small business loans increased by 1.02 trillion yuan compared with the beginning of the year. More than the previous year, an increase of 68.8 billion yuan. As of the end of July, the balance of small business loans of banking financial institutions increased by 26.6% compared with the same period of last year, which was 10 percentage points higher than the average growth rate of all loans. At present, a total of 109 commercial banks nationwide have established small business loan franchises. 80% to 90% of the customers of some commercial banks are small and micro enterprises, and the average loan balance per household is mostly less than 1 million yuan. According to the incomplete statistics of the China Banking Regulatory Commission, the newly added micro-enterprise loans of the franchises of major commercial banks have exceeded 60% of the new small and micro enterprise loans of the whole bank. Innovative small micro guarantee With the high cost of corporate finance this year, in recent times, many private lending have broken the risk of capital chain breakage. However, SMEs, especially small and micro enterprises, are not only facing the pressure of capital costs. “In the next few months, I think China’s small businesses will face the biggest difficulties in history. The high cost of capital, the high cost of labor, the reduction of orders, and the tightening of credit scale are all very big for enterprises. The challenge." Fu Yao Investment Credit Guarantee Co., Ltd. Cheng Yaohui said. Xiao Qiyuan pointed out at the meeting that banks should continue to stimulate endogenous power, innovate guarantee methods, and improve risk sharing mechanisms. Calcium Phosphate Granular for fertilizer ,it have white and grey colors ,its powder can be 45mesh to 200 mesh ,granular size from 1-2mm,2-5mm,also we have our new formula ,this is an excellent elements,can make granular easily break down in the soil and release the Phosphorous slowly and stablely.if you need add Sulphur Element ,it is can be accepted ,but MOQ need 100MT at least.the bags we can supply 25kg ,1000kg ,or OEM as your requirements, it should be stored in a ventilative and dry warehouse instead of in the open air ,kept away from water,moisture and sunlight during transport,handled with care so as to avoid damage to bags. Phosphorus Fertilizer,Tricalcium Phosphate Squeezed Chips,Tricalcium Phosphate Granular,Tricalcium Phosphate Tcp MIDI FEED BIOTECH LIMITED , http://www.midifeed.com
The CBRC made it clear for the first time: the tolerance for non-performing loans of small businesses can be raised to 5%.
Summary September 28, cutting-edge issues in the Bank Auditorium China Banking Association held two CBRC supervision department director Xiao Yuan prices, said non-performing loans could increase credit to small businesses tolerance of 5%. However, relevant experts believe that this measure, although for commercial banks, produces a...