129788454860937500_103Credit card loans into billions of times buried in bad loans risks
Credit card Regulation new rules after more than a year, work step by step, fuelling rapid growth in credit card lending. Published annual report of the 12 listed banks display, 2011 on the occasion of issuing volume growth tended to be stable, credit card loans (overdrafts) range from 33% per cent increase in balances, ABC campaign the most fierce. This flagging situation different from a year earlier. According to the China Banking Regulatory Commission mandates thatBeginning in the first quarter of last year, the listed banks will not use credit cards credit risk assets included. To this end, the excess credit chaos that prevailed in the industry has in the past contained. Annual report shows that most of banks did not use a credit card decline in credit growth, China, people's livelihood, Societe Generale, and even negative growth of about 30%. "Banks more power to increase customer spending overdraft,Future trends to improve. "Shares credit card said. At the same time, some people in the industry believe that some SMEs to obtain general lending difficulties, use credit cards get a lot money for production operations, both for bank credit card loans increased soil, buried large risks. Enter the "billions of times" local financing loans and real estate loans regulated repressionHou, transfer to other use of commercial banks ' asset structure, began to make a big credit card loans. Reporter statistics
tera power leveling, four major lines of credit card loans, agriculture, industry and construction increase in General, agricultural Bank increases home ownership of the 12 listed banks, 165%, balance of $ 100.4 billion at the end of last year. Bank of China had in previous years famous for its radical style, but in 2011 seem relatively conservative, growth slipped to four rowsThe end of the 67%, the balance of $ 89.5 billion. Industry sources said in Beijing, bank regulators to focus several times, had to slow down. ICBC as China's largest issuers, credit card loans increase last year reached 94%, balances up to 177.8 billion yuan. However, the substantial decline in volume increase of bank card issuer. At the end of 2011
tera power leveling, the Bank's issuing new Trojan 7,065Growth only 11%, end of the row of 12 listed banks. Bank of China, agricultural Bank, construction bank card issuer amount respectively, 42%, 16%, 30.86 million, 31 million sheets, eight new threat definitions. "From the card, two loan comparison shows that ICBC's effective and proactive management highlights, is the industry standard. "One shareCredit card Center said. Shares, China, people's livelihood in the first camp, increase in credit card loans, 134%, balance to $ 4.1 billion, $ 38.6 billion. Shenzhen market, said China is the credit card industry latecomers, charge is fierce in the market in recent years. Annual report showed that the bank card issuing amount is 1.78 million new threat definitions. China Merchants Bank urging that the creditRefining operations, loan growth has fallen to last 12 listed banks, only 33%, the balance of $ 73.3 billion. Looking at the 12 listed banks as a whole can be found, credit card loans close to or exceed the Bank already has industrial and commercial bank, agricultural Bank, construction Bank, Bank of China, Bank, China Merchants Bank
tera gold, 6 home, accounting for half of, billions of times have come. Takamashi concern "letter BankCard loan assets to a new threshold, active and passive. "A stock analysis of senior members of the credit card. In January 2011, the CBRC issued the credit card business of bank supervision and management measures, credit card issuers should not use credit line, included in the commitment item "additional commitments" subkey calculation of off-balance sheet risk-weighted asset, credit for 50% goChange coefficient and the main credit card transactions to determine the appropriate risk weight. This new regulatory rules "forcing" banks to stimulate the cardholder spending, improving the overdraft facility, in order to avoid invalid capital occupied. Annual report, China, people's livelihood, Societe Generale bank unused credit card lines respectively-30%,-,-32%, the balance of $ 9.1 billion and HK $ 12.6 billion, 1$ 9.8 billion. "Growth is good, we don't often line is offered in credit card customers cut lines, to free up credit while implementing various measures to stimulate such as installment card holder overdraft consumption. "Bank one credit card account manager told reporters. Increase in the amount of unused credit cards of other banks is declining. At the end of last year, in a high growthDeep development of ICBC 57%, 56%, and Shanghai Pudong development cent, the remaining banks between in-20%. Credit card excessive credit was one of the marketing confusion, current data may indicate, under supervision under the new rules, though the phenomenon is slowed, but not yet the end. Multiple credit cards on the reporter said, passive element of credit card loans growth, liquidity crunch to prod enterprises orPersonal credit card is increased. "Some time in the last year, had emergency consolidation, part of the cardholder's card can't brush, because the Bank monitoring found that many people credit card not to spend, it is used for business purchase, operating cash flow. "Shares credit card Center in Shanghai said. Another stake in bank credit card Center Vice President, with respect, "increase", simply byCredit card consumption increases the amount of credit card loans should not be so large, there may be other factors, for example, some larger banks change credit card business structure, individual small micro-enterprise loans (using a credit card as an intermediate) included credit card loans. "Some unusual factors will lead to credit card bad debt risk, economic departure by credit card cash should focus, in particular, toTo the limit. "He said.
Others:
No comments:
Post a Comment