Introduction
The reporter believes source place to affirm independently from two, superintendency layer is right exceed the time limit 90 days of above but the superintendency line of action that did not include bad loan already was tightened up further.
Newest policy caliber is, the state-owned bank that belongs the silver-colored meeting that keep watch to be in charge of continuously and requirement of share-holding system bank are before June 30, "One knife is cut " will overall exceed the time limit the loan of 90 days of above plan into undesirable; The bank of local legal person that belongs management of bureau of local silver-colored inspect wins certain amortize term, press each district actual condition, some places bank can adjourn to amount to mark next year even.
"It is to have this demand really, basically be state-owned bank and share travel this moon base wants all plan into undesirable, we are silver-colored inspect bureau asks in deploy, time time chairman a bit, but pressure is not little also. " chief of commercial firm of a large city says mid area.
Superintendency requirement upgrades further
Suffer visit the personage inside course of study to say, from last year actually the bottom begins, the policy caliber that former silver-colored inspect meets asks the bank is reflected namely true undesirable expose a case, bring into its superintendency grade.
"According to superintendency requirement, by 2017 undesirable and true expose a circumstance to want to bring into superintendency grade, that is to say, the data of bank assets quality that when end superintended grade 2017, accepts with ' exceed the time limit 90 days of above borrow money ' , ' bad loan remaining sum ' what is high accurate. " a Huanade chief of plan money department checks area farming trading company the reporter expresses, "We are all right last year in year already internal outgoing message, loan of 90 days of above should bring into exceed the time limit entirely undesirable, such also reflecting on money newspaper. Such also reflecting on money newspaper..
According to reporter understanding, the bank with more reasonable structure of a few business is in really a long time ago already against a rainy day. In order to enrol exemple of trade silver-colored act, when 2014 annals is released this already will all exceed the time limit the loan of 90 days of above plan enter undesirable, add accordingly carry batch of equipment, so that be pulled directly low in those days net profit is added fast. Annals data showed last year, remaining sum of loan of 90 days of above is this exceed the time limit forty-five billion six hundred and seventy-nine million yuan, bad loan remaining sum is fifty-seven billion three hundred and ninety-three million yuan, bad loan irrelevance 79.59% .
"But the problem depends on, bad loan irrelevance can say only is a referenced index. Each undesirable classification policy is different, if not was to say exceed the time limit of all 90 days of above are overall clearly,enter undesirable, the bank with small irrelevance of that unwarrantable still bad loan won't be faced with loan to be classified afresh, increase the pressure that carries batch of equipment. " one suffers personage of the travel that visit silver to express to the reporter.
China in public figure of department of risk of area city commercial firm expresses further, it is only to superintending the influence of grade among them one part, the new classification that borrows money to exceed the time limit in fact matters to square field surface, for example says assessment of superintendency examination, leader, superintendency punishment is waited a moment. He also expresses, had had by last year " loan of 90 days of above brings into exceed the time limit entirely bad loan remaining sum " asked, "But the requirement of each places may come in and go out somewhat, each rectify and reform the circumstance, problem that encounter all right different, this year is to emphasize be being carried out by the requirement further " .
The likelihood affects metaphase profit considerably
Senior and financial personage expresses, to prep above of bad loan irrelevance the bank of 100% , new superintendency requirement will is opposite undoubtedly current profit causes an effect. "Irrelevance returns opposite easy to handle in 110% less than, too won't big to the influence of profit, but the part appears on the market the bad loan irrelevance of the bank exceeds 130% , these bank pressure are opposite bigger. " auditor of industry of a senior banking expresses.
Data shows, up to last year end, 26 A appear on the market bank the Communist Party of China has 10 banks (contain commercial firm of 4 travel of 5 a big travel, share, cities) prep above of bad loan irrelevance 100% .
If use reductive caliber, does to these silver the influence of profit of profession period net have how old? Be based on the risk policy with different different bank and accountant processing, the auditor is narrated to think to do not have standard answer before. "If use large number to be calculated simply, original exceed the time limit loan of 90 days of above is worse that part of tower above of loan remaining sum, be come according to the scale of 8% plan carry loss preparation; If all plan enter undesirable, and plan enter sub kind of loan, may come with the scale of 30% plan carry, this should be trapped the poor cost that raises amount will be expressed in profit go up to be reflected directly " .
"But this kind of means can use descriptive trend only, because the policy of every bank is different, asset quality index reachs batch of equipment plan of of all kinds loan to carry scale to also come in and go out somewhat, change and cannot form the concern of equality of a certain maths of net profit of these index accordingly. " before narrate an auditor to think.
He also expresses, in be operated actually, partial bank can have a few methods to reduce the impact that expresses to profit. "For example is accelerated undesirable deal with, to exceed the time limit the reductive part of bad loan remaining sum vacates prep above of loan of 90 days of above space, for example reduces put together aggregate raise scale (go each so plan raise scale major prep above superintends a requirement) etc, every bank has different idea possibly. Every bank has different idea possibly..
