7.5 trillion credit to be lost the CBRC controls the transfer of credit

Commercial News (reporter Ching) there are 8 working days at the end of the year, the CBRC will be the regulatory sword to the risk of a dark surge in the credit transfer market. Last night, the CBRC website officially hung the CBRC's notice on further standardizing the transfer business of credit assets of banking Financial institutions (hereinafter referred to as "notice"), urging and directing the banking financial institutions to further standardize the transfer of credit assets.　　In fact, as early as the beginning of December, the "notice" has been issued, the credit asset transfer market formally set the regulatory yoke. Since the end of last year, the CBRC has issued a series of regulatory measures, including regulation of cooperation in banking and credit, in line with the lending list of commercial banks since the second half of 2009. According to the latest figures released by the central bank, the new renminbi loan has reached 7.46 trillion yuan by the end of November, which means that the established 7.5 trillion-dollar new loan size is facing a fall. The same trick began to repeat itself between banks.　　The transfer of interbank credit assets has become an important channel for banks to maneuver credit after a tightening of the door on trust business that transfers credit assets from the table to the table.　　The so-called credit asset transfer, refers to the financial institutions (such as banks, trusts, asset management companies, financial companies, etc.), in accordance with the agreement to transfer within the scope of their business, independent, compliance with the issuance of credit assets have not yet expired financing business. For the first time, it is clearly stated in the notice that banking financial institutions should observe three principles in carrying out the transfer of credit assets, namely authenticity, integrity and clean transfer. "Notice" choice at this time has a profound meaning, three principles is ' sharply on the nail '. Two types of risk are now likely to cause concern in regulators, first, the late-year commercial banks of non-performing assets, in order to achieve regulatory requirements, two financial institutions signed an agreement, and the actual assets have not been transferred, just show on the book, that is, a false transfer; the second is the tightening of commercial banks during the year, the large-scale credit is not good through the bank directly There could be a secretly concluded treaty between banks to lend by transfer. Lu Ying, deputy director of the Center for Financial Research at Peking University.