In classics finance: Follow Me!
On June 1, the silver-colored meeting that keep watch was released " banking finance orgnaization gives letter management way jointly (try out) " (the following abbreviation " " method " " ) and deploy develops pilot work, in order to control action of bull financing, excessive financing. In the meantime, award letter mechanism to also will be in jointly optimize financial natural resources configuration, raise capital to use sex of structure of side of supply of efficiency, support to reform a respect to produce positive effect.
Build combination to award letter mechanism
As we have learned, " method " cent is 6 chapters, in all 42, combine target of the mechanism that give a letter, suitable scope and main job principle clearly; Built system of agreement of member bank agreement, silver-colored look forward to, joint meeting to wait run administrative frame; Made clear information to share, award letter forehead to spend the risk such as management and management of financing stage Zhang to prevent jointly accuse a mechanism; Establish after the enterprise enters risk early-warning state, the risk of banking finance orgnaization is answered and deal with mechanism; Be opposite clearly violate compasses enterprise and the chasten measure that violate orgnaization of compasses banking finance.
Actually, because the competition of banking is intense with each passing day, and market information asymmetry, the issue of enterprise bull financing, excessive financing is outstanding with each passing day, a few large and medium-sized company debt dimensions tall, financial burden weighs big, leverage, liquidity is weak, put in serious risk hidden danger. Excessive financing pushs a few company occupied rare the financial resource that lack, reduced resource to configure efficiency. Current, single to be on guard bank is right single company (contain industry group, similarly hereinafter) the concentration that give a letter spent a risk to already built corresponding superintendency system, but excessive to single company to restraining many bank financing still lacks corresponding superintendency system to arrange.
Respect of the silver-colored meeting that keep watch says, award those who believe a mechanism to build the superintendency system limitation that in making up for banking to lack beforehand control and thing to behavior of enterprise bull financing, excessive financing, monitors jointly, conduce to banking finance orgnaization accurate control the company is real financing state, science evaluates standard of its whole risk, identify the look up before mixing to prevent beforehand control a venture. In the meantime, the mechanism conduces to the information between aggrandizement bank sharing, restrain cut apart because of information between the bank those who bring about give a letter not careful, compress the system space of enterprise bull financing, be on guard effectively the financing that the enterprise exceeds its liquidity.
Those who deserve attention is, " method " the enterprise range that established combination to award letter mechanism. There is financing remaining sum in orgnaization of finance of 3 above banking, and financing remaining sum is total the enterprise in 5 billion yuan of above, banking finance orgnaization should build combination to award letter mechanism. Have financing remaining sum to the banking finance orgnaization in 3 above, and financing remaining sum is total in 20 ～ 5 billion yuan of enterprises between, banking finance orgnaization can build combination to award letter mechanism of one's own accord.
Be in pilot during, each silver-colored inspect bureau should according to afore-mentioned standards, choose inside administer representative enterprise is had to serve as pilot object on property, industry, dimensions.
Concealed of industry competition malpractice shows
In the risk incident that brings hair waiting for frequency in aegis, banking is excessive to big company the risk that gives a letter is exposed gradually come out. This not only with information cut apart relevant, still have immediate concern with the competition do not have foreword of the industry.
" China runs a newspaper " the reporter understands, wait for the loan principal part that owns credit to endorse to look forward to of state-owend enterprise, center, the bank often can be contended for under the pressure in outstanding achievement give a letter, have one even relatively the situation of relative superiority or inferiority, oversight among them risk. Some enterprises to financing of much home bank while, the bank is taken harder also hold risk border, its are met to the judgement of the risk constant occurrence deviation.
"Different bank is right of the risk accuse strength different, the way that makes loan and point of view are different also, this is put in very big risk hidden trouble. " public figure of bank of a share-holding system expresses.
He tells a reporter, enterprise of a place is in to this bank financing when, the bank gave a company give a letter overally, also think to award danger of letter dimensions ahull to be not met in this too big. But this enterprise after this is mixed to bank of much home place again farming commercial firm makes loan, latter financing brought pressure to former financing. "Especially a bank is smoked borrow, the likelihood brings about other bank to appear severe loss, even mutual beware of is worn between the bank. Even mutual beware of is worn between the bank..
"A harmonious mechanism is lacked when the enterprise borrows money, credit not only special concentration, bull financing and excessive financing appear very easily. Be in excessive below the case that gives letter and bull to give a letter, once market liquidity is nervous, the probability that the risk of this kind of enterprise reveals is bigger. " he thinks, the industry measure with an excellent place is so much, the bank is being contended for to this kind of enterprise for certain give a letter, be willing to do large-scale. If financing dimensions is excessive, the enterprise is formed very easily depend on. When market liquidity is tightened up, capital catenary ruptures, the bank smokes borrowed circumstance to be able to be compared much.
In addition, he thinks to combine the mechanism that give a letter to still have an advantage, can make market information more transparent. After increasing information to share, the judgement to the risk will be more accurate between the bank.
Classics finance is in " China runs a newspaper " the public date of news of domain of subordinate and dedicated finance and economics, content covers the many banking industry such as business of bank, safe, certificate, fund, bourse, everyday many are achieved formerly, aim to provide valuable content service for the reader.
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