Recently, Reuters 21 large state-owned bank official said in an interview: Bank loans in early 2010 will still be large-scale launch, at least in the first quarter and last year's fair. If the projections are accurate, then the first quarter of this year will still be 4 trillion yuan of new credit.
According to several research institutes forecast a "structural adjustment" will become "credit large," the main theme. For example GF Securities that "differential treatment, and keep" principle will be reflected in the industrial chain, the backbone of a strong stimulating effect of radiation key industries, enterprises, and meet the requirements of competitive SMEs in key industries. In addition, issuance of credit, small and medium-bank financial institutions and large state-owned banks can be taken to competitive differentiation.
Hai Tong Securities (600,837) is that many credit with last year's show "the size of the impulse to" do something different is that the credit industry structure and the restructuring of clients are placed in an important position. Energy-saving emission reduction, health care, science and technology projects, such areas as financial support for small and medium enterprises will increase the intensity. Specific to the actual combat, this year, banks may be key support areas such as proprietary technology or energy-saving emission reduction of automobile industry; energy consumption is small, the effectiveness of long battery manufacturing; medical care, medical equipment, as well as the potential for development abroad industries, such as the LED industry; the real estate industry, M & A loans; topics also include consumer industries, such as some of the better clothing, shopping centers, stores, large chains such as electrical distributors.
The loans may withdraw from the industry is "energy," "pollution" in the larger industries, such as very good paper industry, chemical lines (601398) industry, is of poorer quality of the mobile phone industry, other industries with low technology content and so on. Turned to put the money into the reserves of energy and new energy fields.
Domestic financial institutions, major banks at the beginning of credit put in a few areas of high motivation. First, commercial banks profitability requirements, the sooner the loan proceeds throughout the year sooner reflected; Second, banks are now based on loan-to-deposit ratio and capital adequacy ratio and other indicators of control over loans to the rhythm of those hard, so in the beginning of deposits and more loans more abundant when the deposit will lend as much as possible; the three, the industry worried that the second half of the government's macro-control policy will change, and to tighten control over the size of the loan, it will advance loans; the four commercial banks late last year has been a large number of credit project reserves, and some can not be suppressed for too long. In addition, most banks do not loan in the end of one side only accept the one hand, strong sequestration, for the coming year, the size and accumulated reserves of credit resources. The relevant parties, taking into account these factors, banks for the first half of this year, are simmering burst of energy, over the Chinese New Year, perhaps there is an outbreak of commercial bank credit.
