平安银行温州承压：9.48%不良率新高 2天一起官司(2)

Pingan bank wenzhou confined: 9.48% defect rate high 2 days case (2)

Pingan bank wenzhou branch defect rate rise obviously. 2012 years after the acquisition of shenzhen development up first earnings, and exposed the pingan bank in wenzhou area of vulnerability: wenzhou branch non-performing loan balance accounts for 27.61% of the son. Peace in the bank, in the most serious folk lending, when the "wenzhou first rotten poop" developers tai yu real estate company. According to the financial weekly reporter statistics, from February to July, involving pingan bank cases, the main cause of action for financial loan contract dispute or disputes in the cases of l/c a total of 47 on, among them and the concentrated in February and march session. That is to say, the next two months, on average less than 2 days, hold court together pingan bank financial disputes.

Defense "connections" size, often indicates the amount involved in big degree. The above cases, including local defense construction leading three arrows construction group, printing industry leading xinhua printing, wenzhou key government introduced in wenzhou light technology, large steel enterprises Shanghai shuangli group and southeast special steel group company, and other small and medium-sized enterprise, total 54 companies.

"Since September 2011, the macro economic and financial situation and folk loan crisis, the jiangsu and zhejiang provinces area especially wenzhou small and medium enterprises appear capital chain rupture and business owners flee phenomenon, lead to wenzhou branch of the bank asset quality deterioration, asset quality caused great pressure, but as a result of wenzhou branch of total loans accounted for the proportion of both low, only 2.80%, and most of the bad loans have to pledge, the overall risks are controllable and the normal operation of the bank less influence." Pingan bank said.

In fact, pingan bank wenzhou branch defect rate rise obviously. The second half of 2011 is still less than 1%, as of November 2012, according to the CBRC statistics, wenzhou has reached 9.48% of the history record.

"Go to court, is one of the ways to save bank assets, this step implies the high bad risks." South China some brokers who refused to give his name banking analysts the truth: "especially in wenzhou area, the majority of small and medium-sized enterprise capital chain continues."

The defendant enterprise more funds in despair, collection difficult

The above case, several defendants in folk enterprise financial crisis impact, and bank debt, pingan bank dunning difficult.

Be pingan bank charges of the greatest number is the lattice elegant dress co., LTD., zhejiang giant light machinery equipment co., LTD., zhejiang jetta apparel co., LTD. Three companies, indictment of as many as twenty.

Wenzhou lattice elegant dress for insolvency, the land has been in November of 2012 by the local court to auction at or above the county level shall, QiPaiJia 38.145 million yuan. "At that time the person is little, the land flow pat, now is still in court hand, next time QiPaiJia have to drop 10%." The auction house related sources told reporters financial weekly.

And jetta clothing is a typical folk lending sample. Its 2011 for a enterprise guarantee 15 million yuan, this home business owners "run road", the jetta dress become the bank's risk monitoring object, for the loan credit shall not be move.

Peace in the bank, in the most serious folk lending, when the "wenzhou first rotten poop" developers tai yu real estate company.

The county government initial audit, this enterprise total liabilities of nearly 1.3 billion yuan. "Tai yu longyuan" project not selling houses appraisal total about 920 million yuan, is expected to financing gap of about 380 million yuan. Pingan bank is just one of many creditors of the enterprise. It involves the creditor including trust companies, Banks, private lending, construction companies and the person that buy a house. On January 11,, one of the folk loan creditors to tai yu room open company debt over, insolvency, has for the county court for an application to the company for reforming. At present, the case is the docket.

Pingan bank the debtor, there is no lack of bank loans is deep in debt, such as Shanghai shuangli group.

It is reported, shuangli group in wenzhou district bank loans of about 700 million, Shanghai loans of about 300 million. But the above amount has not been confirmed shuangli group. At present it workshop has been mortgaged to the Shanghai agricultural businesses.

In addition to external debt, internal problems, is also one of the characteristics of the ping an bank.