平安银行温州承压：9.48%不良率新高 2天一起官司(3)

Pingan bank wenzhou confined: 9.48% defect rate high 2 days case (3)

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. The steel special steel enterprises southeast major project nickel-chromium alloy project, and in June, 2011, when put into production, because without any approval of the competent administrative department of environmental protection, environmental protection bureau three production without authorization shall be ordered to suspend production, and then inspected and intermittent production. In November 2011, the local environmental protection bureau to instruct its comprehensive production rectification, this enterprise could make and was again put on record is investigated, to suspend production.

Fraction defective or rise

"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." Zhejiang merchants securities analysts pointed out that DaiFang.

"In wenzhou more bad exposure is the main reason of the previously in wenzhou vigorously develop" business credit "business. The business credit is pingan bank break through the old business advantage (mortgage business, trade financing), in the field of personal business loans trying something new, open in 2008. 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. DaiFang said.

Wenzhou this once created economy many legendary city, in the first half of 2012, total GDP dropped out of the top three, zhejiang province in the growth of the city at the end of November. Nowadays, many enterprises still face idling or even bankruptcy.

Several brokers banking analysts predicted pingan bank four quarter defect rate rise.

"Although the company in wenzhou region for loan risk no apparent diffusion signs, but we expect the overall bad will still in wenzhou area with high bad and slowly rise. The company's provision coverage rate fell to 209%, dial the credit ratio is 1.68%, lower than the average, with bad continues to rise in the fourth quarter of the company provision pressure or to reflect. Ubs securities banking analysts SunXu said.

At the same time, familiar with banking the personage inside course of study reminds, the third quarter from the annual report released, the time interval is very long, bad assets management of the space is larger, to keep the whole annual report defect rate level stable, will not rule out using bank profits to offset defect rate.