Regarding the new loans of 7.72 trillion yuan in the first half of this year, the CBRC said on August 9 that in the first half of this year, while the loans grew at a high speed, the loan investment structure of banking financial institutions generally reflected the national macro-control principles and policies. Logitech believed that the reasonable risk of credit investment in the first half of this year was stable and decreased, and the credit risk was stable and decreased. Earlier, Suning, deputy governor of the central bank, said on the 7th that it would not adopt scale control to control the loan scale of commercial banks.
The China Banking Regulatory Commission also said that while the loans grew at a high speed this year, the risk control of banking financial institutions continued to be strengthened. At the same time, in accordance with prudential supervision standards, the CBRC requires banking financial institutions to strictly abide by the bottom line of credit concentration, capital adequacy ratio, provision coverage ratio and other indicators, and continuously enhance their risk compensation capabilities. In the first half of the year, the balance and proportion of non-performing loans remained "double down". At the end of June, the balance of non-performing loans of commercial banks was 520.8 billion yuan, down 42.7 billion yuan from the beginning of the year; The NPL ratio was 1.8%, which was 0.64 percentage points lower than that at the beginning of the year. The provision coverage ratio of commercial banks was 134.8%, which was 18. 12 percentage points higher than the beginning of the year. Logitech thinking in the market: reasonable credit investment in the first half of the year has the risk of falling steadily.
When analyzing the characteristics of new loans in the first half of the year, the CBRC said: First, the regional structure of loans has been further improved. The first is to promote regional coordination and "east-west" overall planning. Since the beginning of this year, the imbalance of resource allocation between economically backward areas and developed areas has improved significantly, and the loan growth rate of banking financial institutions is high in the west and low in the east. At the end of June, there were four western provinces with the highest year-on-year loan growth, namely Chongqing (46.9%), Guangxi (44. 1%), Inner Mongolia (4 1.9%) and Sichuan (39.5%). Among the ten provinces with the highest year-on-year increase in loans, there are 6 in the west and 3 in the middle. The second is to support the eastern coastal areas with a high degree of extroversion and the worst impact of the financial crisis. The top five provinces with the largest increase in loans in the first half of this year were Guangdong (854.8 billion yuan), Jiangsu (752.7 billion yuan), Zhejiang (636.4 billion yuan), Beijing (564 billion yuan) and Shandong (506,654.38 billion yuan). Logitech thinking in the market: reasonable credit investment in the first half of the year has the risk of falling steadily.
At the same time, new medium and long-term loans are mainly invested in infrastructure industries and industries closely related to people's livelihood.