Then, from the long-term perspective of ten years (20 12-202 1), what is the business development of Nanjing Bank in small and micro enterprise loans and personal loans for residents?
Attached drawing 1
Total growth analysis
First, the growth of small and micro enterprise loans. 20 1 1 At the end of the year, the balance of small business loans of Nanjing Bank was 26.785 billion yuan, up 5 1% year-on-year. During the ten years from 20 12 to 202 1, the year-on-year growth range of the bank's small and micro enterprise loans was 6.73% to 38.86%; The maximum growth rate is 20 15, and then it shows a downward trend. Starting from 20 18, it is lower than the average growth rate of the bank's loans, and the growth rate is the lowest in 20 19 years. It rebounded to 13.98% in 2020, and then fell back to 7.86% in 202 1 (see attached figure 2 for details).
Attached Figure 2
However, in recent years, the loans for inclusive small and micro enterprises (below100000 yuan) have grown relatively rapidly. At the end of 2065438+2008, Nanjing Bank issued small and micro loans of 28.543 billion yuan; During the three-year period of 20 19-202 1, the year-on-year growth rate was as high as 34. 15%, 3 1.38% and 30.42% respectively (see attached figure 3 for details), which was much higher than the average growth rate of loans of the whole bank and the growth rate of small and micro enterprises, and became a new impetus to the development of credit business. By the end of 20021,the balance of inclusive small and micro loans of the bank had increased to 6566438+02 billion yuan.
Of course, Nanjing Bank attaches great importance to the new growth point of credit business, and has made an oblique allocation of organizational structure and human resources. In terms of organizational structure, it has become a complete structure of "head office, branches and sub-branches" and "small business finance department". In terms of human resources, the small business finance department of the 133 comprehensive branch of the bank is equipped according to the number of personnel of "1+ 1+2". Although the online trend of credit business is obvious at present, to some extent, there is still a phenomenon of "sea of people tactics" for small and micro loans; Therefore, by the end of 2020, the number of employees of the Bank (only referring to a single legal person) was 1 15 14, an increase of 2 136 compared with the end of 20 17; 202 1, and the number of employees may have exceeded 1.2 million.
Attached Figure 3
Second, the growth of personal loans. 20 1 1 At the end of the year, the balance of personal loans of Nanjing Bank was1683.3 billion yuan, a year-on-year increase of 34.90%. During the ten years from 20 12 to 202 1, the year-on-year growth rate of personal loans ranged from 16.05% to 54.84% (see attached figure 4 for details). Among them, the biggest increase occurred in 20 18, mainly because personal consumption credit loans increased by 9 1.22% year-on-year.
Due to the rapid growth of consumer credit loans, the bank's credit management still lags behind, so many branches were later punished by supervision for this reason. For example, in 2065438+2008, 65438+February 2008, Wuxi Branch of the Bank was fined 650,000 yuan for illegal facts such as personal consumption loan funds being diverted to purchase wealth management, invest in securities, purchase houses or repay loans; 2065438+April 2009, Nantong Branch of the Bank was fined 165438+ ten thousand yuan for issuing consumer loans to enter the securities market and the real estate market.
In the first three quarters of 2020 and 2002/kloc-0, the personal loans of Nanjing Bank increased by 16.05% and 17.52% respectively, and the growth rate was obviously slower than that of the previous period. This performance is consistent with the relative slowdown of residents' consumption growth and house purchase growth in the same period.
Attached Figure IV
Structural adjustment analysis
First, the proportion of small and micro loans and personal loans. At the end of 20 12, small and micro enterprise loans and personal loans of Nanjing Bank accounted for 28.30% and15.64% of the total loans respectively; Since then, the former has little overall fluctuation, but the latter is more obvious. By the end of September, 20021year, the proportion of personal loans fluctuated upward to 29.84%. At the end of 20021,the proportion of small and micro loans was about 26. 1% (calculated by the total loan amount of 830 billion yuan), which was about 1 1 percentage point lower than the peak of 20 17 (see attached figure 5 for details). The reason is that after 20 18, the growth rate of small and micro loans in this bank is relatively slow compared with all loans.
However, due to the rapid growth of inclusive small and micro loans, its proportion in all loans rose from 5.94% at the end of 20 17 to about 8.38% at the end of 200217; The proportion of small and micro enterprise loans increased from 17.27% at the end of 20 17 to 30.27% at the end of 200217.
Attached Figure 5
Second, the total assets structure. In the banking industry, Nanjing Bank's inter-bank and investment fund operation business has always been very famous. Therefore, in the past, the proportion of loans (net) to total assets of the Bank has been low, and the value fluctuated between 20 12 and 20 18, ranging from 29.55% to 37.05%. Loans accounted for more than 40% at the end of 20 19, and increased to 44.24% at the end of 200213 (see attached figure 6 for details).