Credit for 19 months in artificially high long-dispatched repayment checks regulators

 Recently, the CBRC issued a notice requiring the relevant departments of non-bank financial institutions as of the end of December 2010 to conduct a comprehensive self-examination and long-term loans, and submit the self-inspection reports.

Beijing, who is responsible for self-examination of the said trust company, calculated by single contract, a trust company for more than 1 year, 3-year or more financial companies, financial leasing for more than 3 years, the contract amount 1 million or more (including 100 million) of single solid credit and liquidity loans to all in the check list.

reporter has learned that on the non-bank financial institutions, but regulators have dispatched long-term loans check check tip of the iceberg. A source close to the CBRC, told reporters late last year from the China Banking Regulatory Commission has initiated a long-term loans to financial institutions throughout the jurisdiction of a comprehensive inspection.

trillion in new loans to invest in a large part of the 'Rail-based' credit and financing platform, this side there are a lot of potential risks.

thorough investigation of the repayment

a local banking regulatory bureau, told reporters that in recent months, bank credit is difficult to control the momentum, and in particular in long-term rigidity particularly strong loan growth, so the monitoring of the recent focus on commercial bank credit to implement the

reporter learned that, in addition to loan before the loan check to pay investigation and trustee, the one on the track after the long-term credit loans and method of repayment is the focus of the inspection.

2010 �� 12 6, China Banking Regulatory Commission issued repayment of a standardized manner, shall not be concentrated in loans to repay when due.

also a ban on the entire credit on the basis of the whole, ask the lender takes into consideration the project is expected to cash flow and payback period, etc., to determine a reasonable repayment methods, the implementation of amortization, do at least half a year debt service, and encourage qualified to achieve quarterly repayment of long-term loans.

a large commercial bank risk department manager told reporters, according to regulators request, we will vigorously promote the long-term loan contract rectification work, make up the difference between the relevant loan agreement retroactive to make up the funding gap payments.

shall not exceed 15 years from the completion of the project in principle, the annual repayment of principal at least twice, with the clear benefit.

and close to the China Banking Regulatory Commission told reporters, according to the instructions of senior collect commercial banks and non-bank financial institutions two months of solid loan credit and the flow of a large copy of the contract, check the implementation, check the principal terms of the scientific problems must be corrected.

newspaper learned of the loans in the implementation of new regulations on work in place, tangible results, not compliance deadline for the banking financial institutions, the Banking Department will study the loans are not in place to take the corresponding raise additional capital and increase the provision, and the central bank reduced the size of loans combined to adjust the deposit reserve ratio, until the limit market access, suspension-related businesses, limiting such loans linked regulatory measures.

credit risks in the long

In fact, credit in the past two years, the long-term loans are an absolute The central bank recently issued loans from financial institutions to invest in 2010 statistical report shows the year 2010, all financial institutions reached RMB long-term loans reached 6.17 trillion yuan added; in the year 2009 of RMB 9.59 trillion yuan in new credit, invest more, including a large part of the

close to the regulatory authorities have pointed out that, after long-term loans by banks in the contract

Evergreen is engaged in lending, the whole also by the whole.

Currently, the trend continued to strengthen long-term loans, long-term loans to 19 months of consecutive year on year growth remained at 30% growth rate over the same period the sharp decline in short-term loans to single digits or even negative.

different industries, the long-term loans in the municipal building, real estate development, power generation, highways, ports, civil aviation and a large number of high-speed railway construction and other areas of precipitation. risk assessment.

the Banking Bureau said that the examination of long-term loans mainly internal control, which aims to ensure credit quality and increase the efficiency of credit. He pointed out that the long-term loans of post-loan management, loan and use of monitoring capital flows, capital returns control, risk classification and early warning are the focus of previous inspections.