温州不良贷拖累多家银行 广发分行不良率超10%

Wenzhou bad credit drag many Banks guangdong branch defect rate over 10%

Many Banks for wenzhou folk loan crisis, bad loans rise. Yesterday, a news show, pingan bank wenzhou branch defect rate rise obviously, is less than 1% in the second half of 2011, and in November, 2012, has reached 9.48% of the history record. The personage inside course of study points out, "peace in wenzhou, the Banks' bad loans is not the highest. More sources said, "at present in wenzhou, bank credit tightening, risk control more and more tight."

According to wenzhou silver inspect bureau the latest statistics show that by the end of December last year, wenzhou banking bad loans is 3.75%, link up 0.32%. This is the end of November last year, wenzhou defect rate even rise after 17 months after first drop, again rebounded. The personage inside course of study, "the second half of 2011 wenzhou folk lending crisis outbreak of concentration, small and medium-sized enterprise capital chain rupture, so from last year, banking bad loans continue to rise, and will continue to appear in the course of the year."

Peace "business credit" born at the wrong time

Reporters access to pingan bank 2012 three quarterly report found that its 2012 third quarter non-performing loans continue to rise, by the end of June's 0.73% to 0.80%, and by 4.97 billion the balance of bad loans rose to 5.66 billion yuan. Boc international analysts pointed out that in 2012, the first two index increase is more than the second quarter that non-performing loans generated high tide has not been in the past. And from the region's point of view, pingan bank wenzhou district non-performing loans continue to inflation, the end of September last year the non-performing loan balance accounts for the proportion of both for 32.24%, compared to 27.61% in the last year at the end of June. From the industry point of view, business is bad first generation of the main industry, new bad loans 446 million, accounting for 65% of all new bad loans.

Analysts will pingan bank in wenzhou bad exposure more mainly due to its previous development "business credit" business. "In wenzhou, to small and medium-sized enterprise is given priority to, and the bank's lending object is generally small and medium-sized business owners, so the bank according to the jiangsu and zhejiang provinces area of small and medium-sized business owners also developed many suitable for they need products." Zhejiang merchants securities analysts still said, "business credit" is pingan bank in 2008 break through the old business advantage (mortgage business, trade financing), in the field of personal business loans trying something new. "From a public report on the information, because of the fierce market competition, the local branch business development way appear some radical, credit access conditions and interest rates may be lower than similar products together. Then just meet wenzhou small and medium-sized enterprise liquidity crisis, is born at the wrong time."

Won't happen national crisis

Still said, "business credit" wenzhou YuCuo, waiting for a new business idea management come on stage, "ping an bank management had earlier said, pingan bank recently new management work, both the new development strategy has yet to be disclosed, but is expected to the individual business loans development strategy will not big adjustments.

Also analyzes believed that because the pingan bank asset quality is affected by the zhejiang area at the end of September last year the non-performing loans, about the other half from the zhejiang region, wenzhou region of the bad assets and accounts for 32% of the son. Wenzhou region with bad situation, is expected to continue to rise slightly peace bank defect rate. "But because of wenzhou special regional characteristics, bad loans will not just be confined in the above areas, does not appear the national crisis."

The asset quality concerns to ease

Is not only safe bank, at the end of December last year, guangdong development bank wenzhou branch bad loans is 10.10%, the highest in recent years wenzhou Banks defect rate high. And focused on "small micro financial" minsheng bank (also in wenzhou "planted fall". According to the people's livelihood bank disclosure on January 19, the performance of express, the company by the end of 2012 defect rate is 0.76%, the year up 13 basis points, compared to the previous quarter increased 4 basis points. Zheshang securities analysts believe that the people's livelihood non-performing loans is the main source of zhejiang area, industry to manufacturing, business mainly small and medium-sized enterprises.

But analysts have that "the most difficult time has been spent". "At the end of 2012, wenzhou area assets quality stability has go sign, credit event is expected to occur, but in the macro economy under the background of global weak recovery, the most difficult time has been through." Still points out, since the latter half of wenzhou region increased bad recovery efforts, to control the area fraction defective continue to climb up the great role.

Ubs securities analysts said last quarter commercial bank fraction defective mild rebound in the first half of last year, reflecting the overdue loans of commercial Banks increase pressure. In the first half of this year is expected to non-performing loans or will continue to rise, short-term economy stabilises or make industry pressure to ease, but cyclical improvement factors will not change in the middle of the defect rate upward trend.